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Home > Blogs > Here's the Deal > Archives > 2009 > May

May 2009

What was your best gift for a teacher?

In line with today’s column about teacher gifts, I was wondering what have been some of the best teacher gift ideas in the Miami Valley.

Do you have a gift you gave a teacher that you thought was awesome, and that he or she loved?

Teachers, what have been your favorite gifts to get? Which ones do you prefer not to receive?

Permalink | Comments (5) | Post your comment | Categories: Sunday columns, Talking point

Here’s the Deal: Good presents for teachers

Not only is it time to honor our graduates with gifts, but it is time to recognize those people who have helped the many students along their paths to achievement — the teachers.

But sometimes it is difficult to know what to get for your child’s teacher and how much is appropriate to spend on those end-of-the-year gifts.

Tammy Wrobleski, a clinic assistant in the office at Monticello Elementary School in Huber Heights, said many teachers appreciate gift certificates.

“A gift certificate to either to a teachers’ store or for a night out,” Wrobleski said. “That’s what they really want.”

Mindy Catalano, a third-grade teacher at Smith Elementary School in Oakwood, agreed that gift certificates are good for teachers, but said she thinks that the best end-of-the-year gifts are those inspired by the students.

“Some of my past favorites were a flower pot with all of the students thumbprints and signatures on it, a school bag with all of the signatures, a T-shirt with each child’s handprint and a cute quote, and a stone with the kids thumbprints,” Catalano said.

“I have also enjoyed getting notes from the students telling me what they enjoyed about the class and/or what they were going to miss.”

Catalano said she doesn’t like the idea of parents putting money into gifts because of the economy, and that teachers don’t do this job for monetary rewards.

“(But), I think we all enjoy gift cards that we can use over the summer months.” Wrobleski, who also has worked at the high school level, said that if you do spend money, around $20 is a good amount.

Another option to save money is to pool your resources with other parents and get a present together.

Christine Jahn, a Kettering mother of four, has coordinated many personalized presents for her daughters’ classrooms.

“Especially with the economy like it is, going in together is a good option,” Jahn said. “And it is nice if parents can send in what they can — whatever they can afford. That way, if someone can’t afford it or forgets, no one would really know.”

“Besides,” Jahn added, “teachers can only have so many mugs and magnets.”

Some of the presents Jahn has created for teachers include a canvas director’s chair decorated with the kids’ thumbprints that were then made into ladybugs, and a canvas tote bag decorated with thumbprint acorns.

“I think teachers really appreciate a personalized gift,” she said. “And I always put the year on there. It just takes one of the parents taking the time to coordinate it.”

So, in addition to personalized group gifts and gift certificates, here are some more options for end-of-the-year teacher presents:

Photo album: It has become easy to create photo albums online for teacher gifts due to digital technology. Have moms of the other kids in the class pitch in for the cost, as needed, as well as pitching in some digital photos for the album. Add words from each of the kids if possible.

Books: Make a contribution to the teacher’s classroom library. Make it a book that means a lot to you.

“The Teacher’s Calendar”: This is an inexpensive book ($14 at Amazon.com) keeps teachers in the day-to-day know of upcoming holidays, historic events, birthdays, and special days, weeks, and months.

Charitable contribution: Make a donation to the Make-A-Wish Foundation, St. Jude Children’s Research Hospital or another charity in the teacher’s name.

Basket of goodies: Is your teacher a chocolate lover? Popcorn nut? Diet Coke fiend? If you know your teacher’s favorite edible goodie, put it in a nice basket for her or him.

Flowers/plant: Does the teacher like to garden? Something pretty to have in the classroom or at home might be appreciated by a nature-loving teacher.

Letter of praise: Did you love your child’s teacher? A letter of praise addressed to the principal can be a wonderful token of appreciation. Cite why that teacher made a difference to your family.

Permalink | Comments (0) | Post your comment | Categories: Sunday columns

CVS, Rite Aid offering many BOGO deals

The BOGO Fetcher Web site listed Dayton-area buy-one-get-one-free deals that run through today, May 30.

Leading the deals league this week? CVS and Rite Aid. CVS has BOGO offers on Planters nuts and Nabisco cookies, among many others, while Rite Aid’s deals include Hershey’s candy, Maybelline makeup and Lay’s potato chips.

The site also lists BOGOs for Toys R Us, Walgreens and Cub Foods.

Permalink | Comments (0) | Post your comment | Categories: Free stuff

U-verse reps discuss ‘new choice’

Many area residents have responded to the story and poll about cable TV providers in the Dayton area.

AT&T U-verse, the newest provider to the region, is more of a mystery to some consumers, since it is not yet available to everyone in the Dayton and Springfield markets. But that is something the company said it is working to change.

“Our goal is to roll (U-verse) out as quickly as possible and reach as many customers as possible, so consumers can take advantage of this TV option,” said to Kari Toth, general manager of AT&T U-verse in Ohio.

Toth noted that U-verse, which is in just 22 states and 93 markets, took first place in the 2008 Residential Television Service Satisfaction Study put on by J.D. Power and Associates.

“For us to launch in 2006, and to be ranked in that short time is important to us,” Toth said. “We didn’t get that ranking without doing well in customer service.”

Toth added that U-verse is the only national provider to offer 100 percent Internet Protocol-based TV service, which gives the company the ability to integrate its services, including cable, Internet, phone and wireless capabilities.

“It is a newer technology,” said Toth, who also lauded U-verse’s Total Home DVR service.

“Customers can program DVRs from any PC or wireless device, and you can program four shows at once and play back that same show on different TVs.”

She said the receivers are HD ready and U-verse offers than 100 HD channels.

As far as pricing, Toth said U-verse does not have an introductory period, and customers do not sign a contract.

She added that the only complaint she had heard was that installation time can be long.

“We tell our customers to dedicate four to six hours for installation, since we want them to be very comfortable in how they use their new service.”

When I asked the U-verse folks what they thought about the local responses to the initial story on DaytonDailyNews.com, Chris Bauer of AT&T said he was pleased to see that they could offer area customers a new choice.

“Integration just makes for a great customer experience,” he said.

To find out if you are eligible for U-verse, Toth said you can call, click or visit — call (800) 288-2020, go to uverse.att.com or visit a local AT&T store.

She added that the Centerville store in Cross Pointe Center offers customers a chance to try out U-verse in person.

If nothing else, it will make for a more informed decision.

Permalink | Comments (9) | Post your comment | Categories: Consumer interest

Chick-fil-A celebrates with June deals

Chick-fil-A Lunch Express in downtown Dayton has recently extended its hours and expanded its menu. And, in celebration of this, the restaurant will have a couple great deals in the month of June.

The offer is only good at the downtown Dayton location.

The restaurant’s new Lunch Express hours are 11 a.m. to 4 p.m.

Every Thursday next month, the Chick-fil-A downtown will offer customers a buy-one-get-one free 12-count nuggets, which is priced at $4.49.

And, for catering orders, Chick-fil-A will give a free small brownie tray to every order on Tuesdays in June.

This offer is only good at the West 2nd Street Lunch Express location, in the Key Bank Building.

Permalink | Comments (2) | Post your comment | Categories: Savings

Phones recalled for failure to reach 911

Fortunately, it was caught before it could be a fatal flaw.

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Jitterbug phones recalled

Samsung Jitterbug cell phones, which have been marketed to seniors and others who might need its large, easy-to-use keys, recently issued a recall because a number of the phones failed to connect to 911.

The recalled cell phones that are in a no-service area and display an “out of range, try again later” message could fail to connect to emergency 911, according to the U.S. Consumer Product Safety Commission.

No injuries have been reported.

The recall involves Jitterbug cell phones with model numbers SPH-a110 and SPH-a120 with standard key pads and version BB14 software.

No other Samsung wireless phones or software versions are included in this recall.

The phones were sold directly to consumers through targeted national advertisements and publications, electronics and drugstores nationwide, and on the Web at www.jitterbug.com from March 2008 through May 2009 for about $150.

Samsung and Jitterbug are directly contacting consumers to schedule a free software upgrade. If you are a customer and have not been contacted, call Samsung toll-free at (866) 304-4980.

For more information, visit the firm’s Web site at www.samsung.com.

Permalink | Comments (0) | Post your comment | Categories: Recalls

Free doughnuts at Krispy Kreme

In celebration of National Doughnut Day on June 5 (a week from Friday), Krispy Kreme is inviting all customers — including those at the Kettering store on Dorothy Lane — to come in and have a free doughnut in any variety on that day.

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Mmmm … free doughnuts

No purchase is necessary to receive your free doughnut on June 5.

Also, if you have a child in kindergarten through sixth grade, Krispy Kreme will give him or her a free doughnut for each A on his or her report card.

“Just bring in the kid and the report card,” said the folks at the Kettering store at 2001 E. Dorothy Lane.

Permalink | Comments (3) | Post your comment | Categories: Free stuff

Burger King debuts new healthy kids’ meals

Cheap, healthier food is a good deal.

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Fresh Apple Fries

Burger King Corp. announced Wednesday, May 27, that it is enhancing its BK Kids Meal menu with healthier options as part of their BK Positive Steps program.

The meals cost around $3 to $4

The three new additions are:

Two-pack of BK BURGER SHOTS, bite-sized burgers topped with mustard, ketchup and two crunchy pickles, served with Fresh Apple Fries, low-fat caramel dipping sauce and apple juice.

HAMBURGER served with Fresh Apple Fries, low-fat caramel dipping sauce and apple juice.

Newly reformulated four-piece CHICKEN TENDERS meal, (the CHICKEN TENDERS are reduced in sodium by about one-third), Fresh Apple Fries, low-fat caramel dipping sauce and HERSHEY’S fat free milk.

With three new additions, Burger King Corp. now offers a total of four BK Kids Meal options that comply with Burger King Corp.’s advertising pledge through the Council of Better Business Bureaus Children’s Food and Beverage Advertising Initiative.

The CFBAI’s stringent nutrition criteria for Kids Meals (consisting of an entrée, side dish and beverage), is defined as:

No more than 560 calories per meal

Less than 30 percent of calories from fat

Less than 10 percent of calories from saturated fat

No added trans fats

No more than 10 percent of calories from added sugars

No more than 600 milligrams of sodium

A “good source” or “excellent source” of at least two of the following nutrients: calcium, fiber, potassium, magnesium, vitamin E.

Permalink | Comments (7) | Post your comment | Categories: Helpful information

Macy’s having BOGO clothing sale

Through the end of this month, Macy’s is having a buy-one-get-one free sale on select shirts, pants and shorts for the whole family. The sale does require that you buy the first one at regular price.

The store also is having a “fashion and home” clearance, discounting items “an extra 40 percent off” already reduced prices, making the final savings up to 85 percent off.

Check out the Web site to see if it is worth your while.

Permalink | Comments (0) | Post your comment | Categories: Savings

Teach kids money lessons

As parents, we have a responsibility to teach our children to be responsible with money, learning to distinguish wants from needs and to understand the importance of saving and budgeting.

The best way for kids to learn, experts agree, is for them to have money they have to manage on their own, but as parents, it can be tough to decide when to start, how much to give and how to present the facts to our children.

An allowance is an excellent tool for learning good money management principles. In turn, one of the best ways for kids to learn is by making mistakes and facing the consequences of their decisions.

A common expert view is to give kids $1 per year of age every week, but you may want to base the amount on what you expect or require your children to do with their money.

Once you decide on an amount, set parameters but keep the reins loose — one of the best teachers is failure and in safe surroundings, it’s OK for kids to learn the hard way.

If your child spends all of her lunch money on toys and has to pack a lunch for a few weeks, it’s a good learning experience.

There are a number of useful references online at kidsmoney.org/allart.htm and bankrate.com/brm/news/pf/20070206allowancechildagea1.asp to help you determine amounts and parameters.

When deciding how you want kids to use their money, consider that experts agree allowance should not be contingent upon good behavior or chore completion.

If your child sees less value in cleaning the bathroom than you do — which is certainly likely in my house — you will have another battle on your hands. Better consequences for failing to complete chores may be a loss of privileges.

Children need to learn about cooperation and the responsibilities of being part of a family, according to Aletha Solter, developmental psychologist and founder of The Aware Parenting Institute in Goleta, Calif.

And it’s never too early to start. Another point of agreement among experts is if your kids can tell you they want something, they’re old enough to start the process.

By 5 or 6, most children are able to understand the differences between spending, savings and donating. As they get older, they can begin buying gifts and personal items, said Lynne Ticknor, contributor at Bankrate.com.

She said many teens are capable of managing a clothing allowance to cover what covers them for the year.

For a good overview of children and financial literacy, check out bankrate.com/brm/news/financial-literacy/Oct06childrenfinancialliteracya1.asp?prodtype=pfin.

Permalink | Comments (0) | Post your comment | Categories: Consumer interest, Good ideas, Helpful information, Savings

Which cable TV option is best?

Dayton-area cable TV providers are not created equally.

From price to service to reliability to ease of use, sometimes you don’t really know what you are getting until you have committed to a comprehensive package.

And sometimes — if you opt for a cable, phone and wireless bundle — you don’t find out you don’t like it until after you have changed your e-mail address or phone number, making your choice more complicated to undo.

To prevent others from signing up for cable TV they really wouldn’t want, and to get the real scoop on what cable TV option is best, let us know your experiences and what option you think is best.

Your responses, combined with data from cable companies and consumer advocate feedback, will help us advise Dayton-area residents as to what option is best for cable TV viewing. (See also, U-verse’s response.)

Permalink | Comments (23) | Post your comment | Categories: Talking point

Treadmill safety tips for children

In light of the horrible treadmill accident that claimed the life of Mike Tyson’s 4-year-old daughter on Tuesday, May 26, Consumer Reports has put together a guide to help keep your children safe around treadmills and other exercise equipment.

CR noted that hospital-treated treadmill injuries are on the rise, adding that the greatest percentage of injuries have been among toddlers who were hurt while a parent using the machine didn’t see the child playing behind or beneath it.

A report from the Consumer Product Safety Commission estimated that more than 25,000 children younger than 14 are injured by exercise equipment, including stationary bikes, treadmills, and stair climbers, each year.

Here is a synopsis of CR’s safety tips:

Keep your child away from the treadmill while it is in use.

When the treadmill is not in use, unplug it, and if possible, lock it up to keep out of your child’s reach. Consider surrounding it with a safety gate.

If your treadmill has a safety clip, remove it when the machine is not in use. This switch poses a strangulation risk. Removing it can also prevent accidental operation of the machine.

Keep young children away from all exercise equipment without safety locks.

Permalink | Comments (0) | Post your comment | Categories: Helpful information

Trick yourself into saving money

Tip Hero, a savings-oriented dispenser of common sense, has passed along a list noting 10 ways you can trick yourself into saving money.

The list, originally from LifeHacker.com, helps set up rules so that you keep more money in the bank.

Among their top ideas:

Setting up an automatic savings plan — out of sight, out of mind.

Making a list of “Crap I Just Don’t Need.”

And, setting up a standard waiting period (like the cooling off period for guns) before committing to more expensive purchases.

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Freeze foods — even milk and butter — and save

When you are trying to save money, it can be advantageous to buy food in bulk and to make those purchases last.

In that vein, About.com put together a list of food that you may not realize you can freeze. By doing so, you can stretch your grocery dollar.

Among the items you can freeze are milk, butter, bananas, celery, fresh tomatoes, fresh herbs, nuts, zucchini, squash and apples.

For more information on how to freeze these items, visit the About.com site.

On the flip side, their experts recommend you do not freeze delicate vegetables, fruits with high water content, cooked egg whites, mayonnaise, cooked pasta and cream cheese, among others.

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Don’t get hit with tax surprise

Frederick Bennett, owner of Bennett’s Tax Service, 17 N. Belmont Ave., called recently to let me know about an important potential problem relating to the recently enacted Making Work Pay provision of the American Recovery and Reinvestment Act.

Through 2010, Making Work Pay will provide a refundable tax credit of up to $400 for working individuals and up to $800 for married taxpayers filing joint returns.

The tax credit will be calculated at a rate of 6.2 percent of earned income and will phase out for taxpayers with modified adjusted gross income in excess of $75,000, or $150,000 for married couples filing jointly.

All working Americans who receive a paycheck and are subject to withholding may have already seen an increase in their take-home pay because in most cases, the credit is being handled by employers through automatic withholding changes.

That’s where the problem may lie.

As a result of the program, all working taxpayers’ withholdings will be lowered, even if that’s not optimal for individual situations.

Married couples filing jointly, Bennett said, need to be sure they aren’t having too little taken out of their collective paychecks to cover their taxes.

“If that happens,” he said, “when married couples file their income taxes, they may lose up to $800 of what they would have received as a refund.”

His advice — begin by checking your withholding status with your employer. “Some people may not have changed that for 15 or 20 years and may have had changes like kids growing up, marriage, divorce,” he said.

Then, make any necessary changes to be sure you are paying enough now so you don’t get hit with an unpleasant surprise next April.

Tax professionals can offer advice about appropriate withholding levels or you can use the Internal Revenue Service’s withholding calculator at irs.gov.

Bennett said others who might need to check their withholding status include married couples with one person working part-time, pension recipients, self-employed people or people with more than one job.

“People rely on their refunds, so it’s important for them to be sure they’re paying the right amount now,” Bennett said.

Permalink | Comments (0) | Post your comment | Categories: Consumer interest, Good ideas, Helpful information, Savings

Get a free breakfast at Mimi’s Cafe

In the category of “free stuff in exchange for your e-mail address,” Mimi’s Cafe is offering a free breakfast to those who become a member of Mimi’s E-Club.

Members of the club not only get a free breakfast, but also get “members-only access to special offers and information from Mimi’s Cafe.”

So if you like the restaurant and visit often, this could be a win-win.

The local Mimi’s Cafe is at The Greene in Beavercreek.

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Meijer has best deals for week of May 24

This week, the sales are generally slim, according to ad/coupon guru Andrea Deckard of Mommy Snacks.

“But, if you need a few things, Meijer is where I would go,” she said.

Here is a list of the deals Andrea found that utilize the store ads and various coupons to gain the biggest value.

When you click on each store name, you will see a comprehensive sale list for that store and associated coupon match.

Mommy Snacks has many great printable coupons, which are accepted by all of these stores.

CVS

FREE Colgate Total after coupons/ECB

FREE Speed Stick Deodorant after ECB

$.75 Palmolive Dish Liquid

Walgreens

$.50 Reach Toothbrush or Floss after coupons/RR

$.99 Speed Stick Deodorant after RR

FREE Vitamin Water

Kroger

$.99 Raspberries (great price to stockpile and freeze)

FREE Quaker Rice Cakes

$.50 Green Giant Veggies

Meijer

$.29 Aunt Millie’s Buns

Orville Redenbacher Popcorn B1G1 FREE — use 2 coupons

$.67 Triscuit or Wheat Things — visit Mommy Snacks.net for a Printable coupon

Target

$1 SmartFood Popcorn Clusters — visit Mommy Snacks.net for a Printable Coupon

$2.33 Pepsi 12-Pack (with the Target Printable Coupon)

$.09 A1 Steak Sauce

Walmart

$.88 Bagelfuls — visit Mommy Snacks.net for a Printable Coupon

FREE Frank’s Hot Sauce

$1.78 Nabisco 100-Calorie Packs

Permalink | Comments (0) | Post your comment | Categories: Andrea's best deals

Photo sharing can be a snap

As you read my column this week, I’ll be somewhere in Chicagoland with a group of 24 teenage students. My older son’s class is on its annual end-of-year trip and I was fortunate enough to be invited along as a chaperone.

Preparing for the trip, I started thinking about the memories we’ll have when we return home; those moments — and photos — we’ll talk about for years.

It’s so much easier to preserve and share those memories these days thanks to the digital media options available. Gone are the days of waiting for film developing, returning to the store to order reprints, then mailing them to family members.

Digital photography saves time and money since there is no need to print every photo. Sharing is as easy as sending an e-mail and storage is so much more compact.

Before you download your photos, scroll through them and be ruthless. Get rid of the bad ones — the ones with closed eyes, only half a head or your thumb poking into the frame.

To print and store photos, either download directly to your computer or take advantage of the services available at retail outlets like Walmart and Walgreens.

At the in-store photo kiosks, you can pop your camera chip into a slot and view your photos, print a chosen set, then create an archive CD that can usually store about 250 images.

It is a great value — Walgreens charges less than 20 cents per print (coupons can reduce your cost to about 15 cents per photo). An archive CD can be created for less than $3.

On the store’s Web site (walgreens.com), you can order prints stored on your computer and pick them up at the store. You also can utilize photo sharing that will allow you to invite friends and relatives to view your photos, then order what they like. Their orders can either be mailed or picked up at the location nearest them.

Photo sharing sites like Flickr, dotPhoto, Fotki, OurPictures and Picasa offer users the ability to create online albums quickly and easily. Some allow users to send images to and from their cell phone’s camera.

A dramatic increase in the number of sites during the past couple of years has lowered costs while increasing features. Be sure to check out the features and associated costs to find the site that best fits your needs.

Two helpful reviews can be found at pcworld.com/article/119985-4/betterphotosharing.html and reviews.cnet.com/4520-6451_7-6245099-1.html.

Permalink | Comments (0) | Post your comment | Categories: Consumer interest, Good ideas, Helpful information

What is the new definition of value? $1

In this recession-minded economy, it seems more unusual to see an item that isn’t on sale than one that is. And those sales are significant.

On this theme, USA Today had an article last week that took a look at how the food industry has taken a cue from fast-food restaurants, and have been offering their own versions of the $1 menu.

The story cited the tactics of Walmart, Kraft, Unilever and Campbell, which are using the magical $1 price to tap into the trend of people eating and cooking more at home.

“It seems like that’s the definition of value,” said Tom Vierhile of the $1 mark. Vierhile is a research director with Datamonitor, which tracks marketing and consumer products. “You have a whole segment of retail built around it. And it has a ring to it.”

Of the $1 deals, Kraft is promoting grilled cheeseburgers for $1, Walmart is pushing more than a dozen items as a “nutritious breakfast” for about $1 a person and Campbell is testing a $1 price for some condensed soups at select outlets instead of the usual $1.59.

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Bad ideas that made tons of cash

Last week, U.S. News and World Report put together a fun list of the worst ideas that made tons of money, noting that it is sometimes better to be lucky than smart.

Among the awfully lucrative ideas:

Selling real estate on the moon.

Pet rocks.

Tumbleweed farms.

Fake wishbones.

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Here’s the Deal: Grocery stores Round 2; Kroger readers’ pick

As part of last Sunday’s Here’s the Deal column, I compared six area grocery stores known for their low prices — Meijer, Cub Foods, Dot’s Market, Walmart, Kroger and Sam’s Club.

Looking at the actual prices of the items at the store, with some on sale and some not, Sam’s came out as cheapest (if you are willing to buy in bulk), and Kroger came out the most expensive — although the price differences were not budget-busters.

Also with that column, I posted a poll on our Web site asking readers to vote on what they considered to be their favorite grocery store.

The store in the lead? Kroger — by a country mile.

As of midweek, Kroger had received 224 votes, while the closest runner-up, Meijer, had earned just 77.

Most fans cited the store’s produce, meat, store brands and helpful employees for the reason they shopped at Kroger. Some said they still thought the price was right at Kroger when you factor in double coupons and the store’s rewards programs.

Other readers wanted me to take a closer look at some stores that were not featured, such as Dorothy Lane Market, Trader Joe’s, Aldi’s, Save-A-Lot, Fulmer, Groceryland and even the Commissary at Wright-Patterson Air Force Base.

Some of these had been left out of last week’s story because they did not carry all of the brands that were being compared, while others were omitted (mistakenly, by me) because their emphasis is more on food quality than prices.

What I found was these stores naturally grouped themselves in pairs, with the Commissary, being a special case, on its own.

The big question comes down to: How much do brand names mean to you?

Dorothy Lane/Trader Joe’s

Both of these stores pride themselves, justifiably, in having more healthy options. For instance, they both have a large selection of hormone-free and organic options in meat, dairy and produce, as well as other items, with Trader Joe’s leading that charge.

Dorothy Lane carries more mainstream brand choices, whereas Trader Joe’s sells most of its own store brand. Trader Joe’s brand of Oreos are called Joe Joe’s and their Cheerios equivalent are Joe’s O’s.

Quite notably, even the more expensive hormone-free beef and organic bread, Trader Joe’s was cheaper than all the stores from last week, although it doesn’t sell American cheese and had very few name brands.

And, even with the expensive beef and brand names, Dorothy Lane’s prices (with card) came out cheaper than the prices at Kroger and Dot’s Market, as noted last week.

Aldi’s/Save-A-Lot

If you don’t care about brand names and are looking for the biggest bargain, these are the stores for you.

Aldi’s had the lowest overall prices of all the stores in this survey, but it has none of the name brands on the initial list.

Save-A-Lot has a smattering of name brands, and had the second lowest prices overall. Another notable nugget about Save-A-Lot is that it recently switched from carrying Coke products to carrying Pepsi products.

Shoppers can still get Coke while supplies last, but after that the stores will only carry Pepsi.

These stores also have the most limited selection of brands of those in the survey.

Fulmer/Groceryland

These markets have a selection comparable to the big chains and generally cheaper prices, with Groceryland coming in less expensive than Fulmer.

What these stores offer, according to one Fulmer associate, is a personal touch.

“We have to know everybody’s name,” she said. “That’s what we can offer to compete with big stores like Kroger.”

Furthering that hometown feel, both stores had aisle names matching area streets, such as Broad Street, Detroit Street or Dayton Drive.

Commissary

The Commissary has most brand names and sells them at good prices.

Even though it is only open to certain military personnel, I thought was important to include for those who have that option and are trying to decide where to shop.

To sum up

After comparing 13 Dayton-area stores in the last two weeks, using a standard grocery list of products, I learned a great deal — brand names really do bump up the cost, buying in bulk isn’t always the best deal and even stores that are tops in food quality can have great prices.

The grocery items included a pound of ground chuck (or hormone-free beef at Dorothy Land and Trader Joe’s), a gallon of milk, 18-ounce package of Oreos (or closest brand), 14-ounce box of Cheerios (or closest brand), 18-pound bag of Purina One Dog Food (or closest brand), 70-ounce Tide detergent (or closest brand), dozen eggs, loaf of Wonder Classic white bread (or closest brand), 16-slice pack of Kraft American Cheese (or closest brand), 12-pack of Coke (or closest brand).

Here is a final snapshot of each week’s results and findings, separated to reflect that week of savings. Last week Sam’s Club: $39.34; nearly everything has to be purchased in bulk, brand names.

Walmart: $43.58; good prices, comprehensive selection, brand names, store can be overwhelming.

Meijer: $45.48; like Walmart, not as daunting.

Cub Foods: $47.91; decent prices, easy store to navigate, brand names.

Dot’s Market: $51.42; OK prices, good selection.

Kroger: $52.97; OK prices, great selection, fan favorite.

This week

Aldi’s: $21.43; cheapest overall, no brand names, limited selection.

Save-A-Lot: $29.94; some brand names, limited selection.

Commissary: $32.61; cheapest of those with brand names.

Trader Joe’s: $35.68 (without the cheese); many organic options, few brand names.

Groceryland: $38.67; brand names, good prices, personal touch.

Fulmer: $46.56; decent prices, good selection, brand names, personal touch.

Dorothy Lane: $48.91; decent prices, great choices in food quality.

Permalink | Comments (10) | Post your comment | Categories: Sunday columns

Take challenge, “What Can You Live Without?” for chance to get on “Oprah”

Want to learn something about your family, “feel a lot of love” and possibly get on “The Oprah Winfrey Show”?

Take the “What Can You Live Without?” Challenge. To take part, you need to follow these guidelines for seven days and report back to Oprah:

  1. Cut out all technology — no televisions, video games, cell phones, computers, MP3 players or anything else you may use on a daily basis.

  2. No eating out. Everyone must eat dinner at home as a family and brown bag it for lunch.

  3. Curb your spending! The only items you can buy are groceries, and try to buy what you need for the week for $125.

  4. Plan an inexpensive, creative family outing. You may spend a small amount of money on this if necessary.

  5. Choose one family activity that gives back to others.

  6. Mom and Dad: Plan one date night so you can connect as a couple.

  7. No working late.

At the end of that week, see if you can go for another week and add some of your family’s own rules to the challenge. Then share your experiences with Oprah.

And, according to Oprah, it will not only be a great money-saver — you’ll have a great time.

“You’re going to reconnect as a family. You’re going to find out what each other’s real interests are, what everybody’s been thinking, what everybody’s been feeling. You’re going to feel a lot of love.”

I wonder if Oprah is speaking from experience.

At any rate, it could be interesting. And, even if you don’t get on Oprah, we’d like to hear from you. Let us know how your family does on this challenge and you could be featured in the newspaper next month.

Best of luck!

Permalink | Comments (24) | Post your comment | Categories: Consumer interest

Bally members can get deal at Urban Active

Even though Bally Total Fitness is leaving town, its members still have area workout options.

Urban Active, a health club at The Greene in Beavercreek, said it would allow Bally members to join Urban Active without paying an enrollment fee or paying for their May membership.

Jeremy Alexander, district manager for Urban Active, said the affected Bally members would pay $29.99 per month for an Urban Active membership.

For information, call (937) 427-0700.

The club at 1530 Miamisburg-Centerville Road in Centerville will close Tuesday, May 26, while the club at 8423 N. Main St. in Englewood will close May 29.

Bally customers with questions about their memberships can call (800) 515-2582.

Permalink | Comments (0) | Post your comment | Categories: Helpful information

Get $25 restaurant gift certificates for $2

Get gift certificates valued at $25, while you pay just $2 — that is not a typo.

As mentioned today, May 22, on the More With Less Today site, you can get this deal through Restaurant.com and by using a special code.

Here’s how you do it: Visit Restaurant.com to find a restaurant, search by ZIP code, select a restaurant, type SPECIAL in the ENTER DISCOUNT CODE BOX, purchase the gift certificate, print it, then take it to the restaurant.

The selection is somewhat limited, but if you find a restaurant that works for you, this is an amazing deal.

More With Less offers these tips as well:

Some of the restaurants have restrictions as to the day(s) that these can be used, such as midweek and not weekends or holidays. Other restaurants specify a minimum food purchase and add in a gratuity of 18 percent. Just read the fine print before you purchase, even with some restrictions, this deal can’t be beat.

Before you are able to print out your certificate, you have to by pass a few “bonus offer” pages, just look at the bottom of the page for the “no thanks” option.

If the restaurant hasn’t already added in the gratuity, please remember to tip your server for the full amount of the check before the $25 discount.

Permalink | Comments (1) | Post your comment | Categories: Savings

Bunn recalls single-cup coffee brewers

The U.S. Consumer Product Safety Commission announced a recall Thursday, May 21, of Bunn Single Cup Pod Brewers.

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Drawer can open, pose burn hazard.

The CPSC said the pod drawer of the pod brewer can open unexpectedly during a brew cycle, posing a burn hazard to consumers.

U.S. manufacturer Bunn-O-Matic has received 10 reports of the drawer opening unexpectedly, including one report of minor burns.

The coffee makers were sold online and at department and hardware stores nationwide between August 2004 and March 2009 for about $300.

Consumers are advised to immediately stop using the recalled coffee makers and contact the firm to obtain two replacement pod drawers.

For more information, call (800) 741-3405 or visit www.bunn.com.

Permalink | Comments (0) | Post your comment | Categories: Recalls

Best new car deals; best deals on American-made cars

In honor of Memorial Day and to mark the kickoff to the summer travel season, Consumer Reports has examined the best new car deals and the top 40 best deals on American-made cars.

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Best new car deal? 2009 Ford Escape XLT

Of the best new car deals, CR named the 2009 Ford Escape XLT 2.5L 4WD as best, with a $2,500 total available savings, which expires June 30.

Also on the list of current best deals are many models of Acura and Ford, as well as a Buick and Chevy. A little further down the list of deals are many Honda and Hyundai models.

As far as the top 40 best deals on American-made cars, CR judged the models on customer rebates and hidden dealer incentives.

Of note is that the list showcases a diverse assortment of 11 brands, “reflecting the global nature of the auto industry and the reality that most companies build cars in the United States. (Conversely, many models from Chrysler, Ford, and GM are imported from other countries.)”

Their top 5 cars made in America:

2009 Nissan Titan SE 4X4 Crew Cab SWB

2009 Ford Focus SES Sedan

2009 Ford Focus SES Coupe

2009 Nissan Armada LE 4X4

2009 Ford Mustang GT Premium Coupe

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Old Navy selling flip-flops for $1 Saturday

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Flip-flops for a cool buck

Old Navy is getting into the summer spirit, and for one day only — Saturday, May 23 — is selling all solid-colored flip-flops for $1 per pair, while supplies last. Might be a good time to stock up on a variety of colors.

The Deal-Seeking Mom suggests checking out store coupons before heading out to the store.

Local stores are in the Dayton Mall and across from the Mall at Fairfield Commons in the Shoppes of Beavercreek, as well as in Springfield at Upper Valley Mall.

Old Navy also is having “sizzling summer deals” online, with clothes starting at $5.

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3 types of bikes recalled due to crash hazard

The U.S. Consumer Product Safety Commission this week recalled three brands of bicycles due to problems with the bicycle frame in one and the fork alignment in the other two.

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Trek bikes among recalls

Among the recalled products are Norco Bicycle Frames, Trek Bicycle Corp. and Cannondale Bicycle Corp.

The Norco frame can crack and separate, causing a rider to fall from the bicycle and suffer injuries.

Norco has received one report of a rider who fractured their collar bone after falling from the bicycle.

The bikes were sold at various bicycle distributors nationwide from September 2006 through February 2009 for between $2,000 and $7,000.

All owners should immediately stop using the bicycle frame and contact a local Norco dealer or Norco directly for information regarding receiving a possible replacement frame.

For additional information, call (800) 663-8916, visit www.norco.com or e-mail recall@norco.com.

The Trek Bicycles with JD suspension forks also were recalled this week.

The recalled bicycle’s fork can lose alignment causing the front wheel to turn unexpectedly, which can cause the rider to lose control of the bicycle and crash.

There have been four reports of misaligned forks. No injuries have been reported.

The bikes were sold at Trek bicycle dealers nationwide from August 2008 through April 2009 for between $640 and $940.

Consumers should stop riding the recalled bicycles immediately and contact their dealer to arrange for a free repair.

For more information, call (800) 382-2453 or visit www.trekbikes.com.

Finally, Cannondale Bicycle Corp. bicycles with JD suspension forks also were recalled.

The fork can lose alignment causing the front wheel to turn unexpectedly, causing the rider to lose control of the bicycle and crash.

No incidents or injuries have been reported.

The bikes were sold at Cannondale bicycle dealers from February 2009 through April 2009 for between $600 and $800.

Consumers should stop riding the recalled bicycles immediately and contact their dealer to arrange for a free repair.

For more information, call (800) 245-3872 or visit www.cannondale.com.

Permalink | Comments (0) | Post your comment | Categories: Recalls

Burger Classic beer making comeback

The budget beer long associated with the Cincinnati Reds — Burger Classic — is coming back for extra innings.

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Photo from Cincinnati.com

The beer, one of the first to be sold in cans, will be relaunched from 6 to 11 p.m. May 29 during a special event at the Cincinnati Reds’ Hall of Fame & Museum adjacent to Great American Ball Park.

The event will be part of the park’s salute to Crosley Field. Admission is $10 and the first 600 in attendance will receive commemorative Burger Classic T-shirts.

While the beer won’t be brewed in Cincy (it’s actually made in western Wisconsin) it will be available in Ohio, Indiana, and Kentucky soon, with a 12-pack costing a projected $5.99.

And it reportedly tastes pretty good — better than Budweiser, according to BeerAdvocate.com.

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Gutsy claim: The recession is over

According to Robert J. Gordon, an acclaimed macroeconomist and professor at Northwestern University, the recession is over.

And Gordon, one of seven members of the elite Business Cycle Dating Committee of the National Bureau of Economic Analysis, should know. That committee is the group that decides officially, for the record books, when recessions begin and end.

But what makes him think this one is over now?

MSN Money reported today, May 21, that Gordon bases his findings on an indicator that he says the committee never even looks at: claims for unemployment benefits — or jobless claims.

According to Gordon’s research, in every recession since 1974, the peak in jobless claims came within weeks of the bottom of the recession.

The writer of the MSN Money story, Donald Luskin of The Wall Street Journal, said that Gordon has really just made the simple observation that the peak in the four-week moving average coincides perfectly with the ends of recessions.

And Luskin said that looking at the data as of May 14, the four-week moving average of claims (preadjustment) was down 4.3 percent, so the early April reading is looking more and more like a real peak.

Luskin added: “I charted the data to prove it to myself, and he’s right.”

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70% to 80% off at Gaiam Outlet

The Gaiam Outlet, which calls itself a lifestyle company, is having a big sale starting today, May 21, through Saturday that is worth the drive down to West Chester if the merchandise meets your needs.

Deals Team member Cea Cohen Elliott spotted the sale and sent along a flier documenting that the sale has the majority of items for this sale will be 70 percent to 80 percent off.

Copper fire bowls are 60 percent off, Stefani Water Purifiers are 80 percent off, Coolaroo Shade Sail are 80 percent off, Insulated Roman Shades are 80 percent off, Bio-Energizer Foot Spa is 70 percent off and Yoga Sandals are again on sale for just $5 per pair.

The store at 5455 West Chester Road will be open from 10 a.m. to 6 p.m. today and Friday, and 10 a.m. to 4 p.m. Saturday.

Permalink | Comments (0) | Post your comment | Categories: Deals Team reports, Savings

Are you planning a paycation?

Many of us have heard the term staycation, coined in the last year or so to address staying at or near home for vacation instead of traveling in an effort to save money.

But here is a new one for you — paycation.

A paycation is when you spend time off from one job to earn extra cash at another, give up your vacation and keep working or spend at least some of your vacation working.

According to a story Wednesday, May 20, by Consumer Reports, more than 35 percent of workers say they haven’t gone on or aren’t planning to take a vacation in 2009, and 71 percent of those indicate it is because they just can’t afford it.

CR got its data from the annual vacation survey of 4,400 workers by CareerBuilder.com. The study was conducted from Feb. 20 to March 11.

Also in the study, 50 percent of U.S. employers expect employees to remain in touch with work during their vacations, and 28 percent of workers plan to contact their job at least once while they’re out.

What about you? What are your plans for 2009 — vacation, staycation or paycation?

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Kroger, Meijer have Memorial Day savings

Kroger is having a Memorial Day Sale on many picnic and barbecue favorites. Cheese, buns, dips, eggs and ice cream are among the items being sold 10 for $10, with your Kroger card.

Also, the store is selling fully cooked rotisserie chickens for $4.99 and barbecue chickens for $5.99, and has milk on sale for $1.79.

At Meijer, Ball Park Franks and Eckrich Franks, Bologna or Salami are 4 for $5, Lays Potato Chips are buy-one-get-one free, and the store’s 3-pound salads are 2 for $7.

Check out their weekly ads for more money-saving details.

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Save extra 20% at Half Price Books

In honor of Memorial Day, Half Price Books is marking down their already discounted inventory by 20 percent.

The sale starts today, May 21, and runs through Monday.

The local Half Price Books is in South Towne Center, at 2090 Miamisburg-Centerville Road.

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Reminder: Free pizza for John and Sarah Connor

As noted last month in this column, Pizza Hut is offering a deal for the aptly named in honor of the latest Terminator installment, “Terminator Salvation.”

The pizza chain will give away a free medium one-topping pizza to anyone named John Connor or Sarah Connor on Thursday, May 21.

Make sure you bring your ID. If not, you may just have to tell them, “I’ll be baaack.”

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Get rid of old fridge, get $25 from DP&L

Dayton Power and Light recently launched a program that picks up and recycles old refrigerators and freezers for free. And, to sweeten the deal, participating customers earn a $25 rebate from DP&L.

DP&L residential customers can schedule a free pickup by calling toll free at (877) 545-4112 or registering online at www.dpandl.com/save.

Scott Kelly, senior vice president of Service Operations for DP&L, said about 10 percent of homes have a second refrigerator and 40 percent have a second freezer.

“But many people don’t realize that those inefficient appliances can cost upwards of $150 per year to run. Our appliance recycling program provides our customers with an easy and convenient way to dispose of unwanted appliances in an environmentally friendly way.”

To qualify for the program:

You must be a DP&L residential customer.

The refrigerator or freezer must be empty and in working condition.

The unit must be 10 to 30 cubic feet in size.

There must be a clear path to access and remove the appliance.

The owner of the appliance must give permission for it to be picked up and recycled.

After dismantling, DP&L said that nearly 100 percent of the refrigerator and freezer parts are recycled rather than going to the landfill, and the procedures will follow guidelines and best practices from the U.S. Environmental Protection Agency, allowing DP&L to be a utility partner in the EPA’s Responsible Appliance Disposal Program.

Permalink | Comments (0) | Post your comment | Categories: Helpful information, Local consumer events

Reminder: Job-seekers can get suit cleaned, resume help for free today

At the beginning of the month, I noted that Long Cleaners would be holding two special deal days to help area folks who are out of work get a suit cleaned for free, as well as help finding a job.

The first of those days is today.

All day today, May 20, and May 27 job-seekers can bring in a copy of their resume and a suit that needs to be cleaned to one of the four area Long Cleaners.

Tom Perry, co-owner of Long Cleaners, said that representatives from Adecco employment agency also will be on hand to give people tips on finding a job, and will fax resumes to Adecco for possible placement.

All for free.

Long Cleaners will be open from 7 a.m. to 7 p.m.

The four stores are in Fairborn on Dayton-Yellow Springs Road, in Beavercreek on Dayton-Xenia Road, in Miami Twp. on Springboro Pike (across from LexisNexis) and in Miamisburg on Main Street.

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Dayton 10th most affordable place to buy home

It isn’t surprising, given the bombardment of dire economic information out there, that according to CNN Money today, May 19, a study shows that houses are the most affordable in 18 years.

And, helping to lead that cheap charge in our great nation? Little old Dayton, Ohio.

Dayton ranks 10th among big metro areas where residents are most able to afford to buy a home. The study measured affordability index and median home price to get its results.

To be deemed affordable, a family making the median national income of $64,000 must be able to buy the property and devote no more than 28 percent of their income toward housing costs.

Ohio is really the heart of the affordable list. Dayton is among five other Buckeye State cities — Youngstown is No. 2, Akron is No. 3, Cleveland is No. 7 and Toledo is No. 9 — on that list.

No. 1 is Indianapolis, which has led the list for 15 straight quarters.

Which cities are least affordable? New York, San Francisco and L.A.

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Cut college costs with new tax credit

Paying for college is often a challenge for parents, but it is even tougher for many in this recession as those costs continue to rise.

However, as Consumer Reports wrote today, May 19, a new tax credit can help curb college expenses.

According to the Internal Revenue Service, under the American Recovery and Reinvestment Act, more parents and students will qualify over the next two years for the American Opportunity Credit to pay for college expenses.

CR noted that the new tax cut, which was included in the stimulus package, beefs up an old college tax break, the Hope Scholarship Credit, according to Eric Smith, spokesperson for the Internal Revenue Service.

As the IRS noted:

The new credit modifies the existing Hope Credit for tax years 2009 and 2010, making the Hope Credit available to a broader range of taxpayers, including many with higher incomes and those who owe no tax.

The IRS said the tax credit adds required course materials to the list of qualifying expenses and allows the credit to be claimed for four post-secondary education years instead of two.

Many of those eligible will qualify for the maximum annual credit of $2,500 per student.

“The full credit is available to individuals whose modified adjusted gross income is $80,000 or less, or $160,000 or less for married couples filing a joint return. The credit is phased out for taxpayers with incomes above these levels. These income limits are higher than under the existing Hope and Lifetime Learning Credits.”

CR added that the stimulus package also has increased the Pell Grant by $500 to $5,350 for 2009 and $5,550 for 2010.

In case you are filing taxes late this year, the American Opportunity Credit is not available on the 2008 returns taxpayers are filing during 2009.

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Save hundreds with frequent-shopper cards

Do frequent shopper cards really save you money? ShopSmart;) magazine says they do.

The money-saving source reports that using free frequent-shopper cards offered by booksellers, movie theaters and other major retailers is a smart way to save up to hundreds of dollars a year or more.

Here are 10 frequent-shopper programs from ShopSmart; as compiled by Daniel Vasquez of the Sun-Sentinel.

AMC Theatres MovieWatcher: Earn two points for every movie ticket you buy; redeem 10 points for a small popcorn or 30 points for a free movie ticket.

How To Sign Up: Go to Moviewatcher.com.

BORDERS Borders Rewards: For every $150 you spend, you get $5 toward another purchase within a month; you also get special discounts and offers.

How To Sign Up: Sign up in the store or at Borders.com.

CVS Pharmacy ExtraCare: 2 percent rebate on every in-store and online purchase; $1 “Extra Buck” for every two prescriptions filled; discounts on items featured in weekly circulars.

How To Sign Up: Go to CVS.com or ask for an application in any CVS store.

Office Depot Worklife Rewards: 10 percent back on ink, toner, paper, design, print, and shipping services; 1 percent back on all other items; rebate is redeemable for future purchases.

How To Sign Up: Ask at Office Depot or go to Myworkliferewards.com.

PETCO PALS (Petco Animal Lovers Save): One free bag of food for every 10 bags of natural or premium food you buy within a 12-month period; one free grooming, bath, or wash for every eight you buy within a 12-month period.

How To Sign Up: Sign up at your local store.

PetSmart PetPerks: Coupons; monthly exclusive online offers; discounts on some in-store items.

How To Sign Up: Go to Petsmart.com.

Regal Cinemas Regal Crown Club: Get one point for every dollar spent on tickets and extra credit for concessions; redeem 50 points for a small popcorn or 150 points for one free admission.

How To Sign Up: Ask at the theater or go to Regmovies.com.

Staples Staples Rewards: 10 percent back on ink, toner, paper, and copy and print services; rebate is redeemable for future purchases.

How To Sign Up: Ask at Staples or go to Staples.com.

Toys “R” Us Rewards “R” Us: $5 gift certificate for every $150 spent during select promotional periods, plus discounts on diapers and other items.

How To Sign Up: Go to Toysrus.com.

Walgreens EasySaver: Rebates on featured items; you must save receipts and submit them by mail or online.

How To Sign Up: Go to Walgreens.com.

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Coupon/ad deals for week of May 17

Andrea Deckard of Mommy Snacks has compiled her list for the best coupons/ad deals this week.

Andrea said that this week, the sales are at Kroger. “You can get so many things super cheap to allow some wiggle room in your grocery budget.”

Each store name is a link to a comprehensive sale list for that store and associated coupon match.

Mommy Snacks has many great printable coupons, which all of these stores accept.

After your shopping trip this week, comment here or at Mommy Snacks and let us know how much you saved!

CVS

$.65 Dial Soap after coupons/ECB

$.99 Colgate Toothpaste after coupons/ECB

FREE Right Guard or Dry Idea Deodorant after coupons/ECB

Walgreens

$.25 Skintimate or Edge Shave Gel after coupons/RR

FREE Right Guard or Dry Idea Deodorant after coupons/RR

$.25 Band Aids — visit Mommy Snacks.net for a Scenario to get 4 boxes for $2

Kroger

$.50 Kool Aid Canisters — visit Mommy Snacks.net for a Printable Coupon

FREE Kraft Barbecue Sauce

FREE Vitamin Water and SoBe Life Water

Meijer

FREE Green Giant Valley Fresh Steamers

FREE Sauces — visit Mommy Snacks.net to see just how many

$.10 Country Crock Butter Tub

Target

FREE Kraft Salad Dressing

FREE Hershey’s Bliss Candy Bars

$.49 Kraft Mayo — visit Mommy Snacks.net for a Printable Coupon

Walmart

$.56 A-1 Steak Sauce

$.49 Crystal Light On the Go — visit Mommy Snacks.net for a Printable Coupon

$.08 Kraft Salad Dressing

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Half-price drinks at Steak ‘n Shake, Sonic

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Are you thirsty for a fountain drink, shake or slush? Want to get it for half-price?

Go to a Steak ‘n Shake or Sonic between 2 and 4 p.m. That is when the restaurants hold their happy hours and you can get their beverages for half-off the original price.

At Steak ‘n Shake, the happy hour discounts apply to all beverages, including shakes.

At Sonic, all fountain drinks and slushes also are half off during that time.

Enjoy!

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Some dollar stores accept coupons

Here is a little-known fact that I just learned from DDN staffer Liz Rossi — some dollar stores will accept manufacturers’ coupons.

And, given the already cheapest-of-cheap prices, using a coupon at these stores can yield huge savings.

The ones in the Dayton area that DO accept coupons are Family Dollar Store and Dollar General.

The ones that DO NOT accept coupons are Dollar Store, Dollar Tree and Deals — Nothing Over a Dollar.

Good to know. Thanks, Liz!

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BOGO free on eyeglasses, vitamins, makeup

Stanton Optical, a lab and eyeglasses store in Miamisburg, is having a buy-one-get-one free sale on frames and throwing in a free eye exam as well.

The store, which has more than 3,000 frames to choose from, also has deals on a select pair of glasses for $39 or two pairs for $69.

The store is in front of the Dayton Mall. Call (937) 433-3937 for more information.

Speaking of glasses on sale, Walgreens has Foster Grant and Studio 35 sunglasses for men, women and children for buy one get one. Walgreens also has vitamins, Planters nuts and Breyers ice cream for BOGO.

And, to round out the BOGO deals, CVS/Pharmacy has vitamins, Revlon eye or lip makeup, Purex laundry detergent, batteries, candy and tissues on special for buy-one-get-one free.

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Lowe’s to offer military discount for Memorial Day

To honor all of our country’s servicemen and women and their families, Lowe’s Home Improvement stores are offering them a discount for Memorial Day.

For all active, reserve, honorably discharged, and retired military personnel and their immediate family members, Lowe’s will give a 10 percent discount on in-store purchases made during the Memorial Day holiday.

The discount is available Thursday, May 21, through Monday, May 25, on in-stock and special order purchases up to $5,000.

To qualify, individuals must present a valid military ID or other proof of service. Excluded from the discount are sales via Lowes.com, previous sales, and purchases of services or gift cards.

The offer is not redeemable for cash and is nontransferable.

In addition to offering military discounts, Lowe’s has extended benefits for its employees serving in the military and offers employment opportunities to military personnel after their military service has ended.

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Poll: What is your favorite grocery store?

In this week’s Here’s the Deal column, I took a look at Dayton-area grocery stores. I noted what their actual prices were on a random day last week and what the shopping experience was like at each store.

I visited six area supermarkets — Kroger, Walmart, Sam’s Club, Meijer, Cub Foods and Dot’s Market — and noted what I thought to be the positives and negatives. I mentioned that most folks weigh prices, location and comfort level when choosing a favorite store.

And it made me wonder what grocery stores were the top picks for Miami Valley shoppers and why. What are your thoughts?

Permalink | Comments (30) | Post your comment | Categories: Sunday columns, Talking point

Here’s the Deal: Comparing grocery stores

Last week on the Internet I came across a free one-day pass to shop at Sam’s Club. The coupon expires May 25.

Sam’s Club, which has three area locations, is a member’s-only store that offers what it calls “warehouse savings,” and specializes in selling things in bulk.

I hadn’t shopped at Sam’s, and the coupon made me wonder if their savings were worth the membership fees for a typical family.

Also last week, I was reading the new book by The Wall Street Journal’s Smart Money editors called “1,001 Things They Won’t Tell You.”

The book has lists of the top 10 list of things insiders won’t tell you about many industries, including warehouse clubs and supermarkets.

The book notes that warehouse clubs often have long lines, less variety and that if you use the store credit cards, the interest can be inordinately high.

About supermarkets, the book notes that the term “special” can be misleading and not really offer a discount, and that “fresh” also is a relative term. The book added that stores with loyalty cards make up their losses by overcharging those who don’t use the cards.

These comments and the Sam’s coupon convinced me that a comparison shopping trip was in order, and motivated me to find out exactly how much specific items cost at Dayton-area grocery stores and what stood out about the shopping experiences.

So, on a random day last week, I went to an area Kroger, Dot’s Market, Meijer, Cub Foods, Walmart and Sam’s Club. I compared 10 popular grocery store items, which were chosen blindly before the trip.

At the bottom of this column, I noted the prices as marked on the merchandise — some were “on sale” and some were not.

Many of these stores have perpetual or revolving sales on these core items, and others might inflate an “original price,” so I went with the price at checkout.

Also recorded is the price “with card,” if applicable. If you are going to shop at a store that requires a card, you should use it to get the most savings possible.

Observations

I knew Sam’s Club sold in bulk, but I didn’t realize there weren’t many other options. In 7 of the 10 items compared, the amount has been calculated to find out how much it would cost in the comparative size. That bears noting.

The actual cost of this shopping trip would have been $95.22 (instead of the listed $39.34), because you would have to buy the items in the jumbo sizes. That would include 44 pounds of dog food, 30 six-packs of Oreos and 72 slices of cheese. You would, however, not have to shop as often.

At an area Kroger, the sign for the milk said, “$1.98 with card,” but didn’t mention another price.

When I asked an associate at the store, she said that the $1.98 was the price for everyone, regardless of the sign. She added that they were “trying to keep as close to Walmart as we can.”

But Kroger, even using the card prices, still came in last place for savings. Walmart and Meijer, which divide their stores between grocery and other merchandise, both came out favorably in the price comparison.

Meijer did well because many of these items were “on sale.” Walmart’s items were not listed as sales, as part of the store’s “everyday low prices” mantra.

However, it is good to remember that it can be an inconvenience when shopping at these superstores when you have to go to the other end of the building to get something.

At the Walmart I visited, to get the pet food was a hike; and at Meijer, the toiletries section was on the far end as well.

Cub Foods and Dot’s Market both had competitive prices, without the overbearing feel of some of the larger stores. Cub was the easiest of the stores to navigate, and Dot’s had a smaller selection than most, but was efficient.

Conclusions

If you need to buy larger quantities of food or stock up, Sam’s is a good choice. If you don’t have use for things in bulk, it is not as beneficial.

As far as other stores, where you choose to grocery shop depends on a combination of factors — price, location and comfort level.

Here is some information toward that end, but find out which works for you.

That is the only way to get the best deal.

Here are the prices I found at Kroger, Dot’s Market, Meijer, Cub Foods, Walmart and Sam’s Club, in that order for the grocery items below. (*Items sold only in larger size; price has been calculated for comparison.)

Ground chuck (per pound): $2.79, $2.59, $2.90, $2.19, $2.25, $2.88

Milk (one gallon): $1.98, $1.98, $1.98, $1.98, $1.98, $1.94

Oreos (standard package): $2.98, $3.59, $1.99, $3.50, $2.50, $1.44*

Cheerios (14-ounce box): $2.88, $2.99, $2.78, $2.50, $2.86, $2.22*

Purina One Dog Food (18 pounds): $24.59, $23.99, $18.29, $21.39, $16.97, $14.45*

Tide detergent (70-ounce box): $6.49, $7.49, $8.29, $7.99, $7.97, $9.16*

Dozen eggs (brand store carries): $1.19, $.95, $.98, $.98, $.92, $1.09*

Wonder bread (classic white loaf): $2.49, $1.69, $1.69, $1.59, $1.77, $1.57

Kraft American Cheese (16 slices): $2.49, $2.49, $2.00, $1.79, $2.38, $1.64*

Coke (12-pack of cans): $5.09, $3.66, $4.58, $4.00, $3.98, $2.95*

Total: $52.97, $51.42, $45.48, $47.91, $43.58, $39.34*

Permalink | Comments (5) | Post your comment | Categories: Sunday columns

Tips for shopping organic

Organic items tend to cost more, so it is important to know which organic foods or products are worth the extra cash.

So the kind folks at ShopSmart; magazine put together a cheat sheet of what to look for in organic products, and what to skip.

First off, look for the USDAseal. If you see the USDA organic seal, that means the product contains at least 95 percent organic ingredients. Otherwise, “100% organic” means just that; “organic” means it contains at least 95 percent organic ingredients; and “made with organic ingredients” means it contains at least 70 percent organic contents.

Good organic items to buy:

Apparel and linens: Cotton, linen, wool, and hemp.

Beverages: Coffee, tea, cocoa, wine, spirits, and beer.

Fruit and nuts: Fruit baskets, preserves, and nuts.

Plants and flowers: Potted plants and cut flowers.

Sweets: Cakes, cookies, and chocolate.

Organic items to skip:

Organic seafood: There’s no USDA standard for organic seafood.

Some personal care products: While some ingredients may be certified as organic, the product itself may not be. Some products might also contain unapproved synthetic ingredients.

Where to find organics:

Online directories can help you track down specific organic products.

For apparel and linens, check out the Organic Exchange. For food and flowers, check the Organic Consumers Association (it also lists clothing) or Local Harvest, which features products from family-farmers.

Another organic item of note, which shouldn’t come as a surprise in this economic climate, is that organic sales leveled off in 2008 after four years of growth, according to Nielson’s Director of Industry Insight, Tom Pirovano.

Permalink | Comments (0) | Post your comment | Categories: Helpful information, Savings

Aeropostale jeans up to 70% off, shorts BOGO

The popular, predominantly teen store, Aeropostale, is having a big sale online that includes 70 percent off guys’ jeans and girls and guys’ shorts that are buy-one-get-one free.

The shorts deal is also at the stores, and the guys’ jeans on clearance are 50 percent off in the stores. There are Aeropostale stores are at the Dayton Mall, The Greene and the Mall at Fairfield Commons.

Most of the jeans, as noted by DealNews, start at around $40 and are marked down to around $15 online.

The shorts are a little pricey at around $40 as well. But if you want more than one pair, it is a good deal.

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Weekend sales on flowers, lawn equipment

Looks like we are in for a semi-nice weekend in the Dayton area.

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Flats of impatiens on sale at Meadow View

According to the National Weather Service, there is a chance of showers and thunderstorms Saturday, so that might be a good day to shop, and with sunshine predicted for Sunday, maybe there will be a chance to work outside a bit.

Given that forecast, here are some garden-related sales this weekend:

Get 20 percent off all Craftsman lawn and garden equipment and outdoor storage at Sears on Saturday. Sears also has 9 a.m. to noon doorbuster sales that day.

Impatiens flats will be sold for $12.99 each or two for $25 at Meadow View Growers in New Carlisle all weekend. (Next weekend flats of Zinnias will be on sale for that price.)

At Grandma’s Gardens near Centerville, all in-stock fountains are 25 percent off through Memorial Day.

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“Everything” on sale at JCPenney

According to the latest ads from JCPenney stores, “everything is on sale!” in large bold print, with a smaller notation, “except cosmetics, fragrances and Sephora.”

Despite their slight overstatement, the stores are having their “biggest sale of the season” today, May 15, and Saturday, and their discounts upon discounts seem to back up that claim.

The stores are open until 10 p.m. today and 8 a.m. to 10 p.m. Saturday, and there will be doorbuster sales from 8 a.m. to 1 p.m. Saturday only.

Among the in-store savings are a storewide (except for furniture, mattresses and fine jewelry) sale of buy one clearance item, get a second clearance item for 50 percent off.

Which, with “everything” already on sale, should give you many items to choose from. And the discounts are up to 50 percent off to begin with.

Online, the stores are offering 40 percent off, and an additional 10 percent off sale prices.

Definitely check this one out.

Permalink | Comments (0) | Post your comment | Categories: Savings

Top myths, tips to save on car insurance

If, like the girl on the State Farm commercials, you are at a loss for sound car insurance information, the folks over at MSN Money have your back.

They have put together a list today, May 15, of the six biggest car insurance myths to help you get what you really need from your coverage.

Here is what they found, in a Webbified nutshell:

Myth No. 1: Red cars are the most expensive to insure. (Color doesn’t really matter.)

Myth No. 2: Thieves are more likely to steal new cars. (Stats show it is the other way around, with 1995 Honda Civics leading the list of most stolen cars.)

Myth No. 3: My insurance will cover me if my car is stolen, vandalized or damaged by hail or fire. (Unless you have comprehensive coverage, you are not covered for any of these things.)

Myth No. 4: If my car is totaled, my insurance will pay off what I owe on my loan or lease. (In fact, when your car is totaled, your policy does not promise to pay off what you owe. It will pay you the actual cash value of your car, minus your deductible.)

Myth No. 5: My insurance company will pay for a rental car if my car is stolen or damaged in an accident. (Even if you have comprehensive and collision coverage, it may not include a rental car. But you can add that feature at an affordable cost.)

Myth No. 6: Drivers of sports cars get more tickets and thus pay higher insurance premiums. Not necessarily. (According to a study released in 2009 by Quality Planning, leading the pack with the most violations are drivers of the Hummer H2/H3. Drivers of three Scion models also made the top 10 list. Others include drivers of two Mercedes-Benz models, two Toyotas, the Subaru Outback station wagon and the Audi A4.)

MSN also has 22 tips to save on car insurance, 15 things you might not know your policies cover, what a car wreck could cost you, which cars draw the most tickets and what a lack of car insurance knowledge could cost you.

Permalink | Comments (0) | Post your comment | Categories: Helpful information

Sony may cut price of PlayStation 3

CNBC reported Thursday, May 14, that Sony — which just suffered its first quarterly loss in 14 years — came close to confirming it will cut the prices of the PlayStation 3 this year.

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PlayStation 3 may cost less than $400 soon

Any price cut for the PS3 would be good news for consumers. As CNBC noted, at $400, the system is by far the most expensive gaming machine on the market.

Also, the price cuts could increase pressure on competitors to lower prices.

But this is still speculation at this point. As Sony corporate executive officer Nobuyuki Oneda said during a question-and-answer session: “This is a very serious issue. If we announce our pricing strategies, that affects our inventory level.”

At any rate, if you are in the market for a PS3 or another system, you might just want to wait and see how this shakes out.

Permalink | Comments (0) | Post your comment | Categories: Consumer interest, Savings

Coffee maker, carafe, coffee for $10

For coffee drinkers, this one might be too hot to pass up.

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Coffee deal

The deal will get you a 12-cup Gevalia Coffee Maker (a $99.99 retail value), a stainless steel thermal carafe ($44.95 retail value), a stainless steel travel mug (a $14.95 retail value) and gourmet coffee for $10 — including shipping.

All you do is visit the Gevalia site and enter the event code “121600” in the upper right-hand corner. You will then be able to choose your coffee maker color and coffee flavors.

What’s the catch? To get this offer, you sign up for a the Gevalia Coffee Delivery Program. But, have no fear, as soon as your order arrives you can cancel with no further obligation.

As the rules state on the site:

“You may cancel your service at any time after receiving your introductory shipment and the gifts are yours to keep with no further obligation. You may change the quantities and types of coffee you receive at any time, as well as the frequency of your shipments. The special gift is yours to keep regardless of your decision.”

Of note as well is that the reputable Retail Me Not site listed it as 100 percent success rate.

Thanks to DDN staffer Apryl Pilloli for sending this along!

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Build-A-Bear folding chairs recalled

On Thursday, May 14, the U.S. Consumer Product Safety Commission announced the recall of Build-A-Bear Workshop’s Folding Toy Beach Chair for Stuffed Animals.

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Folding chairs recalled (good thing bears don’t have fingers)

The legs of the toy chair, sold at Build-A-Bear Workshop stores nationwide and online, can bruise, pinch or cut fingers if caught while folding. The chairs were manufactured in China.

Eight injuries have been reported, according to the CPSC.

If you have a recalled chair, return it to any Build-A-Bear Workshop to receive an $8 store coupon or contact the company for alternate instructions on receiving a refund.

For more information, call (866) 236-5683 or visit www.buildabear.com.

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HP batteries recalled due to fire hazard

Today, May 14, the U.S. Consumer Product Safety Commission announced a recall of lithium-Ion batteries used in Hewlett-Packard and Compaq notebook computers.

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HP batteries recalled

The problem is that the recalled lithium-ion batteries can overheat, posing a fire and burn hazard to consumers.

There have been two reports of the batteries overheating and rupturing, resulting in flames/fire that caused minor property damage. No injuries have been reported.

The computers containing the batteries were sold at computer and electronics stores nationwide, hp.com and hpshopping.com from August 2007 through March 2008 for between $500 and $3,000.

The battery packs were also sold separately for between $100 and $160.

They were (you guessed it) manufactured in China.

Consumers should immediately remove the recalled battery from their notebook computer and contact HP to determine if their battery is included in the recall and to request a free replacement battery.

After removing the recalled battery from their notebook computer, consumers may use the AC adapter to power the computer until a replacement battery arrives. Consumers should only use batteries obtained from HP or an authorized reseller.

For more information, visit www.hp.com/support/BatteryReplacement or call (800) 889-2031.

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Reminder: Save $10 per ticket at aquarium

I mentioned this on the blog last weekend, but as a reminder, for those looking for something fun to do Friday, May 15, that also is a discount, the Newport Aquarium is a good choice.

As noted originally by Deals Teamer Karen Baird, the aquarium is having its 10th anniversary and offering discounts of $10 off admission.

Admission for adults will be $10 (regularly $20) and $3 for children ages 2 to 12 (regularly $13) on Friday.

Children younger than 2 are admitted free.

Tickets must be purchased at the Newport Aquarium ticket window on Friday for this special one-day admission discount.

The Newport Aquarium also notes that the party continues Saturday, with the debut of a brand new Penguin Parade performance at 10:15 a.m.

After the Penguin Parade, there will be sing-along of “Happy Birthday” and a special birthday cake.

The first 100 guests will enjoy free birthday cupcakes while supplies last.

Birthday games also will be held on the Plaza from 1 to 2:30 p.m Saturday.

Permalink | Comments (0) | Post your comment | Categories: Deals Team reports, Savings

Many BOGO deals available at area stores

Walgreens and Rite Aid seem to be leading the league in BOGO offers this week in the Dayton area, according to the BOGO Fetcher Web site.

Their buy-one-get-one free offers include toiletries, ice cream, candy and bacon.

CVS/Pharmacy also has some good ones to offer on batteries, coffee and vitamins.

For all of the BOGO deals listed and the days they are available, visit the BOGO Fetcher site.

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Macy’s has Wardrobing Sale and more

Macy’s kicked off their unusually named Wardrobing Sale today, May 14. It runs through Sunday.

The sale includes fashion clearance plus new price reductions of up to 65 percent off on clothes for men, women and kids.

Also, linen separates for both women and men are marked down 40 percent.

And, in today’s Dayton Daily News, Page A5, there is a Wardrobing Sale Shopping Pass for 15 percent off that can be used “as often as you like” through Sunday on select clothing.

But that is still not all. According to Macy’s Web site, the store also is having an exclusively online Big Deal Home Sale, with savings of up to 75 percent off.

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Economy driving more moms to drink, use drugs and gamble

Even moms have their breaking points.

A recent survey noted by CNBC showed moms are overwhelmed with financial pressures that have escalated since the economic downturn began, and many are not responding well.

One in three moms surveyed by Mom Logic and the Insight Research Group this spring said they have turned to a vice such as overeating, drinking, drugs and/or gambling to cope with the stress.

Also in the survey:

64 percent of moms are spending more time feeling intensely negative emotions, resulting in arguing, fits of crying and frustration as they worry about the state of the world, how to pay the bills, etc.

50 percent of moms are less satisfied with their lives now than before the economic downturn

Of moms with partners who have lost their jobs, 80 percent feel overwhelmed and nearly 50 percent say they spend more time fighting and less time having sex

27 percent of moms 25-34 want more children but are holding off because of the recession.

82 percent of moms feel personally responsible for making sure their children’s financial futures are secure.

But, like most moms, the folks at Mom Logic folks not taking this news lying down. The site has devised a Recession Survival Guide to help moms get through this slump.

Their tips include starting neighborhood meal swaps, clothes swaps and baby-sitting swaps.

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FDA recalls face paint due to rashes

Children’s Face Paints were recalled Wednesday, May 13, following reports of adverse reactions such as skin rashes in children who used the paints.

The recalled face paints were distributed by the Oriental Trading Co. and made in China.

The FDA said it has learned of a cluster of adverse events in children exposed the face paint, according to NewsInferno.

The FDA is advising consumers to stop use of these products and discard them or return them to the retailer. The agency is also encouraging consumers and health care providers to report any adverse events from face paints to the FDA and state and local health authorities.

Chinese imports have been the subject of safety concerns over the past several years, according to NewsInferno.

Since 2007, toys, tires, toothpaste, pet foods and dozens of other Chinese products have been recalled by various US government agencies for dangerous defects.

According to the Food & Drug Administration, the face paints involved in this recall include the following:

Blue Face Paint, Item Number: 85/2077; UPC 8 8760048110 7

Purple Face Paint, Item Number: 85/2078; UPC 8 8760048112 1

Red Face Paint, Item Number: 85/2079; UPC 8 8760048114 5

Orange Face Paint, Item Number: 85/2080; UPC 8 8760048116 9

Black Face Paint, Item Number: 85/2081; UPC 8 8760048118 3

Green Face Paint, Item Number: 85/2082; UPC 8 8760048120 6

Adverse events and product quality problems can be reported to FDA’s MedWatch Adverse Event Reporting program at www.fda.gov/MedWatch/report.htm or by calling (800) FDA-1088.

Permalink | Comments (0) | Post your comment | Categories: Recalls

Tax could make soda prices pop

Sugary soft drinks have always been bad for your waistline, but they might soon have a dietary effect on your wallet if a proposed tax wins approval.

The Wall Street Journal reported Tuesday, May 12, that:

“The Center for Science in the Public Interest, a Washington-based watchdog group that pressures food companies to make healthier products, plans to propose a federal excise tax on soda, certain fruit drinks, energy drinks, sports drinks and ready-to-drink teas. It would not include most diet beverages. Excise taxes are levied on goods and manufacturers typically pass them on to consumers.”

The WSJ said the beverage tax is just one of hundreds of ideas that lawmakers are weighing to finance the health-care plans.

Wallet Pop, which writes in favor of the tax, said that the rationale behind the proposal is that the consumption of sugary beverages leads to weight problems which in turn lead to serious health problems.

The site also notes that the only real argument against it is that it would have a greater impact on the wallets of those with lower incomes.

What do you think? Is taxing soda a win-win for health care? Or does it target the wrong demographic?

Permalink | Comments (34) | Post your comment | Categories: Consumer interest, Talking point

Stores vary time frames on price adjustment policies

I wrote in a previous Here’s the Deal column in which I mentioned price adjustments.

How it works is if you see an item go on sale after you bought it, you can often go back to the store with your receipt within a certain time frame and get the difference credited back to you.

The Web site More With Less also touched on this in a blog post today, May 13, and listed what the adjustment time frames are for various stores.

To find out about 150 retailers’ price adjustment policies, visit a handy site called Price Protectr (sic).

Here is a sampling of their list:

7 days

Dick’s Sporting Goods

JCPenney

Kmart

10 days

Macy’s

14 days

Kohl’s (which also will match competitors prices at time of purchase)

Office Max (which will match competitors price plus 15 percent of the difference)

Old Navy

Staples (will match competitors price)

Target

21 days

Victoria’s Secret

30 days

Barnes & Noble (for in store purchases)

Bed, Bath & Beyond (will match competitors price)

Lowe’s (will match competitor’s price plus 10 percent of the difference) Sears

Sam’s Club

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Buy one, get one free entree at Ruby Tuesday

In today’s Dayton Daily News inserts is a coupon offering a free entree when you buy one of their specialties, seafood, fork-tender ribs or handcrafted steaks.

The coupon is good today, May 13, through June 18.

The ad says if you want to get offers online, you can sign up at So Connected at rubytuesday.com. The online way does require entering your e-mail address and home address.

Area Ruby Tuesdays are in Centerville, Vandalia and Troy.

Permalink | Comments (3) | Post your comment | Categories: Savings

41 simple investment tips

This blog doesn’t usually delve too far down the consumer path into investment information, but this list of 41 investing lessons we already know from Investing School was too helpful to pass up.

If you can get past the header of “Investment Advices,” the list has many great tips that most of us have heard, but we should all remember to heed, including:

No. 17. Don’t trust everyone the broker says.

No. 31. Don’t take on too much risk.

And, No. 27. Keep learning.

Wallet Pop has this and some other links to good investment strategy in a post from Monday, May 11, titled What’s the point of budgeting? and other hot personal finance stories, via Tip’d.

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Free recipe booklets, coupons and more

Our buddy Andrea over at Mommy Snacks has a great list of free recipe booklets, newsletters and coupons on her site today, May 12.

The offerings include recipe books for Betty Crocker, Bisquick, Kraft, Pillsbury, Jiffy Mix, and many more.

It is free food for thought.

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Want to try Sam’s Club for free?

The Deal-Seeking Mom noted today, May 12, that Sam’s Club is offering a free one-day pass to the store through May 25.

There are three area Sam’s Clubs — one in Centerville on Miamisburg-Centerville Road, one in Beavercreek on New Germany-Trebein Road and one in Dayton on Miller Lane.

All three confirm they will honor the pass if you want to check out the store.

Sam’s Club is a member’s-only store that offers warehouse savings. The store has individual and business memberships starting at $35 per year for a business and $40 per year for an individual.

Not sure if Sam’s Club is for you? Here is one frugal mom, one family financial blog and even Smart Money folks at the Wall Street Journal who swear by it, but the real test is if it will work for you and your family or business.

So use the coupon and check it out — you have nothing to lose.

Permalink | Comments (3) | Post your comment | Categories: Free stuff, Helpful information

Things retailers, supermarkets won’t tell you

Jonathan Dahl and the editors of Smart Money, The Wall Street Journal Magazine, just came out with a book called “1,001 Things They Won’t Tell You.”

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Insider info from Wall Street Journal editors

The book is a compilation of the many lists of “10 things” the editors have compiled over the years of what consumers aren’t being told by the experts about everything from the DMV to the dentist to education to Major League Baseball.

Their lists can help you make more informed decisions about spending so you get the most for your money.

To give you a sampling of what the book has to offer, here are some of the notes from the lists about retailers and supermarkets, since those lists pertain directly to this blog’s subject matter.

Among their “10 things your retailer won’t tell you”:

1. Forget commissions, our staff gets kickbacks. The book notes that sometimes salespeople benefit from steering consumers to certain items.

2. That salesman doesn’t actually work here. Sometimes stores have marketing managers wandering the stores to “offer information.”

3. If you knew our return policy, you might not shop here. Ask about policies before making an electronics purchase.

Among the things the supermarkets won’t tell you:

1. Our specials are anything but. Sometimes the coupons they offer are not discounts at all. Compare prices before you buy — even with a coupon.

2. Everybody pays a price for our “loyalty” program. Customers shopping at stores with loyalty programs who don’t join are footing the bill for the others. And if you do join, you pay a price with your privacy.

3. Our stores might make you sick. In addition to bugs and rodents, some stores spray pesticides that can actually make you more sick than the vermin. The editors recommend asking if the store has a food-safety manager.

“1,001 Things They Won’t Tell You” is listed for $16.95, but you can get it at Amazon right now for $11.53.

Permalink | Comments (0) | Post your comment | Categories: Consumer interest

Show magazine, get $5 coupon at Charlotte Russe

Charlotte Russe, a clothing store for girls and juniors at the Dayton Mall and the Mall at Fairfield Commons, began a special last week.

The stores were offering a free pair of sunglasses to customers bringing in a copy of the June 2009 issue of Seventeen Magazine or a printed copy of the magazine’s Web site home page.

Unfortunately, both area stores quickly ran out of sunglasses.

However, in their stead, the stores are offering a coupon for $5 off any purchase of $25 or more through July 15. Since the sunglasses were valued at $6, it is a pretty good substitute.

This type of marketing is a familiar one for Seventeen, which offered a similar promotion in March when it paired with Aeropostale to give away tank tops.

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Habitat ReStore sets Super Saturday Sale

The Dayton Habitat for Humanity ReStore will be celebrating 10 years of business on Saturday, May 16.

The ReStore will mark the occasion by hosting a Super Saturday Sale from 9 a.m. to 3 p.m. at 1041 S. Patterson Blvd.

Events include door prizes and a raffle, special discounts every two hours, and other sale prices as marked, according to Habitat.

The Dayton Habitat ReStore is a retail outlet where quality used and surplus building materials are sold at a fraction of retail prices.

Proceeds from the ReStore help fund the construction of Habitat homes within Montgomery County.

Materials sold by the ReStore are usually donated from building supply stores, contractors, demolition crews or from individuals who wish to show their support for Habitat.

In addition to raising funds, ReStore helps the environment by recycling good, usable materials into use.

For more information about the dedication or to learn how you can get involved with Habitat, call (937) 586-0860.

Permalink | Comments (1) | Post your comment | Categories: Savings

Great sites to watch movies for free

More and more movies are available to view online — for free. But where are the best places to find them?

Wallet Pop has spotted some great sites to watch movies for free.

Here is a little breakdown of the sites they recommend:

For documentaries: SnagFilms.

For the film junkie looking for a cinematic community: The Auteurs. Some films are free, while others are available for a $5 download.

Cinema from around the world: Babelgum. The site even hosts an online film festival.

Wide selection and classic films: Joost.

Vault of amazing classics: Public TV Thirteen’s Reel 13.

Recent and classic blockbusters: Crackle, a Sony Pictures Entertainment company.

YouTube and the Tribeca Screening Room, which features shorts and features from the recent festival, with new films added every two weeks.

All-inclusive film streaming search engine: SurftheChannel. The site, which doesn’t stream any content, compiles the best links from around the web into one site.

New search engine: Jinni, which characterizes films not just by key words, but by plot elements, atmosphere, emotions, and more, allowing options for movies you can stream instantly.

For more info, visit the sites and Wallet Pop.

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Good site for freebies; free bonus M&Ms

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Buy one bag, get one free

For those of us who like free stuff, here is another site to check out — Freestuff4free.com.

The redundantly named site has everything from gas to ice cream to airline tickets, although some of the larger “gifts” do send you down a lengthy path of forms and surveys.

Also, right now you can get a free bonus bag of personalized M&Ms when you order a bag.

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Best grocery deals for week of May 10

Here are Andrea Deckard’s top area deals for groceries by using what’s on sale with coupons.

Click on each store name to see a comprehensive sale list for that store and the coupon matches listed for each item on sale.

CVS

$.99 Schick Quattro Razor after coupons/ECB!

Buy 6 Jars of Skippy, pay $4.62 after coupons/ECB!

FREE Bayer Quick Release Crystals

Walgreens

$1.33 Kellogg’s Cereal after coupons/RR!

FREE Roots of Nature Hair Care after RR!

$.50 Easy Mac Cups — visit Mommy Snacks.net for a Printable Coupon

Kroger

$.50 Oscar Mayer Bologna — visit Mommy Snacks.net for a Printable Coupon

$1.19 Ball Park Hot Dogs

$.99 Garnier Shampoo or Conditioner

Meijer

FREE Kraft Mayo

$.80 Kellogg’s Cereals — visit Mommy Snacks.net for a Printable Coupon

$.25 Oscar Mayer Hot Dogs

Target

FREE Vitamin Water

$.58 Suave Shampoo

FREE Swiffer Refills — visit Mommy Snacks.net for the Scenario

Walmart

$.25 Kraft Shells & Cheese — visit Mommy Snacks.net for a Printable Coupon

$.88 Bagelfuls

$.97 Capri Suns

Permalink | Comments (0) | Post your comment | Categories: Andrea's best deals

Here’s the Deal: Mom’s salary and poll results

Just a few quick money and shopping notes about mothers on their special day: Salary.com has released its yearly survey noting what the annual salary would be if the work of a mom was a paid position.

The going rate for U.S. moms in 2009? $122,732 for stay-at-home mothers, and $76,184 (in addition to their office salary) for working moms. That kind of information can be bittersweet, though.

Although most of us moms are glad to see our skills recognized, it is tough not to imagine how we could use that cash.

And what about stay-at-home dads? Since women still make an average of 78 cents on the dollar compared to a man, would a man be paid $157,348 for the same tasks? Uh, no.

Another study by the National Retail Federation found that the average amount spent this year on a Mother’s Day gift was $124, which was down from last year’s $139.

The majority of people — 67 percent — said their gift of choice this year was to buy flowers for the moms in their lives, followed closely by those opting for a special outing, such as dinner or brunch (55 percent).

Deals to make Mom (and family) smile

Although they are not calling them Mother’s Day deals (since most folks have already shopped for the occasion), many area stores are having outstanding bargains today, May 10.

Buy-one-get-one free (or BOGO) deals seem to be the theme this weekend, with Kohl’s leading the pack.

At Kohl’s this week, shoppers can buy tops, shorts and capri pants for the family and get an equal number for free.

Rite Aid has BOGO Revlon lip and eye makeup, Post cereal and various vitamins, and is offering a free $25 gift card to those who transfer their prescription to Rite Aid with the coupon inside today’s newspaper.

And at CVS/Pharmacy, if shoppers use their CVS card, they can buy items such as Edy’s ice cream, CVS batteries or Colgate toothpaste and get another for free.

Poll results: Creative World is top choice

Last week in this column, we asked readers to vote on their favorite Dayton-area child care option.

And the winner of our online poll was: The Creative World of Child Care.

Karen Lampe owns the seven area child care centers, along with a companion Montessori School in Miamisburg. Her mother, Martha Lampe, opened the first Creative Worlds in 1975.

“We work hard to make sure we have the highest quality product, but also that we are affordable,” Karen Lampe said.

Melissa Wilcutt has been the director of the Creative World center in Miamisburg for two years.

Wilcutt, who also has a child who attends the facility, said what stands out to her about Creative World is the variety of programs offered, including Spanish class and art class.

“We also have parent involvement nights, like the Mother’s Day dinner we are having Sunday,” Wilcutt said.

Children ages 6 weeks to 12 years attend Creative World.

Mandy Bridgeford, the director of the Creative World center in Union, said each of the facilities follow the Montessori philosophy that children learn through play.

Bridgeford, who also has a child in attendance, said in addition to the educational component and one-on-one time, Creative World is often like an extended family.

“We are focused on making sure every child feels safe and loved, and that they belong here,” she said.

The Creative World centers also have summer programs. They include field trips that are extensions of the lesson plans.

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Newport Aquarium discount day Friday

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Wanna pet a shark?

The Newport Aquarium is celebrating its 10th anniversary on Friday, May 15, with a special $10 admission.

For adults, that’s a $10 savings (regularly $20) and a $3 savings for children ages 2 to 12 (regularly $13).

Children younger than 2 are admitted free. Tickets must be purchased at the Newport Aquarium ticket window on Friday for this special one-day admission discount.

Permalink | Comments (8) | Post your comment | Categories: Deals Team reports, Savings

Deals on flowers at stores, online for Mom

If you are picking up flowers from an area florist, Hills & Dales Florist in Moraine has an FTD special Mother’s Day bouquet of stagazers and pink roses in a beautiful vase for $49.99, and a spring garden bouquet for $32.99.

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$29.99 from ProFlowers

Flowerama, with locations in Huber Heights, Kettering and Riverside, has a classic dozen roses and vase for $39.99 and a daisies and roses arrangement for $29.99, among other specials.

The Oakwood Florist on Far Hills has attractive arrangements and a teacup bouquet (with saucer) from $29.95. Thomas the Florist in Dayton also has teacup bouquets.

Ed Smith Flowers in Dayton has deals including a dozen roses wrapped in tissue paper for $19.99, and mixed flowers starting at $5.99.

Hollon Flowers in Fairborn has a good selection of flowers for Mom starting at $29.99.

Like some other area flower shops, Furst Florist in Dayton can provide any FTD or TeleFlora arrangement (or extremely similar) for the same price on their Web sites, and sometimes less.

The Dayton location noted Friday, May 8, that they were out of the Timeless Elegance package from FTD and the Butterfly Bouquet from TeleFlora.

If you are ordering flowers for your mom on Mother’s Day, time is a-wasting. But there are many deals to be found. Remember to factor in delivery fees.

ProFlowers offers discounts on bouquets for mom that range from as low as $24.99. You can also order candy, cookies and tea.

ProFlowers is having a buy one dozen assorted Mother’s Day roses and get another 12 roses for free.

TeleFlora has an “Affordable Flowers” section and has a sale right now saying to save $10 right now on your order. TeleFlora has pretty arrangements for as low as $19.99.

1-800-Flowers has a sale for the holiday offering $30 off some, 25 percent off others, and a deal that if you buy 18 roses, you can get 18 more for free. The site also says some can be purchased and sent on Mother’s Day.

FTD has arrangements starting as low as $19.99.

FromYouFlowers has prices from $29.99.

Blooms Today had a 50 percent off Friday (as noted on this blog Friday), which may or might carry over to today, and the site has decent prices to start with.

If you spot any other great area deals for flowers today, please give us all a holler in the comments below.

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Tips for buying a digital camera

Consumer Reports had a good story today, May 8, offering advice on how to get the best deal when shopping for a digital camera at a retail store.

Whether you are considering buying a camera for your mom or wife for Mother’s Day or your favorite graduate, it is good to have some background when making a big purchase such as this.

CR noted that there is a lot to be said about shopping online, but then you can’t try out the camera, which is an important component of getting what you want.

The consumer organization also advises shoppers to:

Ask yourself the right questions. How easy is it to handle and operate?

Be wary of the salesperson. While there are knowledgeable salespeople out there, there are also plenty of ignorant ones. Do your homework.

Ask for the best price. Don’t be afraid to negotiate with a salesperson.

Avoid cameras packaged in blister packs. The best cameras are generally not sold this way.

Watch out for refurbished or gray market products. If the box the camera comes in is just a plain white box, and has no images, brand logos and product info on it, then it might be a refurbished model.

Do the paperwork. If the camera you are buying has a mail-in rebate, be sure to get the proper forms from the dealer when you make your purchase. Don’t leave the counter without these forms or receipts.

Forgo the extended warranty.

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Save 50% on flowers for Mom

Blooms Today is offering a special today, May 8, offering 50 percent off Mother’s Day orders.

The site has many great prices on bouquets, fruit baskets and more.

Visit the site today for more details.

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Get gift cards at half price today only

It is like free money.

The Dayton Daily News’ Newspapers in Education is having a super saving Block Sale from 2 to 4 p.m. today, May 8, offering gift cards at half price while supplies last.

The 45 gift cards available are listed on Page A7 of today’s Dayton Daily News. They include:

$50 gift cards to Target for $25

$50 gift cards to McDonald’s for $25

$50 gift cards to Applebee’s for $25

And others from Best Buy, Domino’s, BP and more.

The gift cards — or blocks — are sold on a first-come, first-served basis and can only be purchased with credit cards by calling (937) 514-7958 during that two-hour window.

The gift cards purchased will be sent by certified mail.

The sale benefits Newspapers in Education.

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Macy’s, Stein Mart among many weekend sales

Items for mothers and the entire family are on sale today and Saturday, May 9, at Elder-Beerman’s Mom’s 2-day Sale.

The area stores are offering 30 percent to 50 percent off clothes for women and up to 60 percent off clothes for the family, among other discounted merchandise.

There also are coupons in the store and online for additional savings, and, at the Web site, there are promotional codes that offer online discounts.

Stein Mart is having a 12-hour sale from 9 a.m. to 9 p.m. Saturday with an extra 30 percent to 50 percent off items throughout the store. Coupons in today’s Dayton Daily News offer additional savings from 20 percent to 60 percent off.

Macy’s is having a one-day sale Saturday, with a preview day today. The sale notes an “extra 40 percent” off clothes already discounted for women, and an extra 50 percent of men’s garb.

But the real bargain at Macy’s is the jewelry sale. The stores are offering up to 80 percent off original prices, PLUS an extra 10 percent off their entire stock of fine jewelry.

There also are discounts for kids of up to 75 percent off, and some kids’ clothes that are buy one get one free.

At JCPenney, the stores’ two-day sale started today, with discounts of up to 60 percent storewide and additional coupons in today’s Dayton Daily News.

Also, Morris Home Furnishings is having a four-day sale, offering $150 off purchases of $999 or more, and additional huge savings.

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Consumerist names worst company for 2009

The Consumerist, a smart and irreverent relative of Consumer Reports, has been running their Worst Company in America for 2009 contest for weeks, and they have finally come up with a victor (if you can call it that).

It came down to a Final Four of AIG, Bank of America, Comcast and Ticketmaster, with AIG beating out Comcast to “win” the title.

Consumerist, referring to AIG as the economic meltdown’s poster child for irresponsibility and corruption, said AIG earned the distinction by “the attorney general’s investigation, the fancy conferences, controversial bonuses and the fact that you made jolly old Ben Bernanke describe losing his temper on 60 Minutes.”

The companies in the contest were nominated by readers, and seeded according to number of nominations. And readers picked the head-to-head winners as well.

Some of the other companies in the running were the Peanut Corp. of America, Circuit City and Walmart.

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Site offers BOGO deals for Dayton area

The BOGO Fetcher Web site, which I signed up for a couple weeks ago, just sent me a list of buy-one-get-one-free deals for this week the Dayton area.

Among the stores offering deals: Kroger, Cub, CVS, Rite Aid and Walgreens. The deals have various expiration dates, as noted on the site.

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Money-saving tips from moms

Who better to give you money-saving advice than your mom?

Well, I’ll give you that some moms know more than others, but still, many have had to budget for their families for decades, and certainly learned a thing (or 20) along the way.

In this vein, Tip Hero has compiled a list of 10 money-saving tips learned from moms that can be of use to us all.

The tips include cutting up your own fruits and vegetables instead of buying the prepackaged variety, planning for long-term savings and giving relatives the gift of family recipes.

But I think we can do better than that. What is the best piece of advice your mom gave you about saving money?

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Stitching Post offers sneak peek at sales

As many Dayton-area readers know, The Stitching Post is going out of business after more than 50 years and undergoing a huge liquidation sale.

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The store at Cross Pointe Center in Centerville has savings of one-third to half off nearly everything in stock.

What readers might not know is that there is a Web site devoted to this liquidation that offers cutting edge deals and allows customers to learn of price breaks before they are advertised to the public.

The store has name-brand sewing machines such as Viking, Brother, Elna and Singer, as well as tons of notions, fabric, buttons, patterns, yarns, machine accessories, cabinets, supplies and more.

Check it out. Supplies are going fast.

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Men: Pamper mom in your life with meal

OK, men, this one’s for you.

Mother’s Day is Sunday, May 10, so take this opportunity to show all the mothers in your lives how much you value what they do.

As a mother, daughter and granddaughter, I can tell you one of the nicest things you can do for that special mom in your life is to let her have the day off, which in theory is a major bargain because it doesn’t have to cost anything.

However, a giftless Mother’s Day may land you in the dog house, so opt for an indulgent, budget-friendly treat that will remind her how much you appreciate her.

So dads, sons, grandsons, brothers, uncles, cousins — all of you males out there — get busy.

A home-cooked (or even a store bought, yet thoughtfully served) breakfast in bed will surely delight.

Brandii Lacey, BellaOnline’s Cooking for Kids editor (bellaonline.com/articles/art38519.asp), offers the following recipe for an easy, inexpensive slow-cooker breakfast casserole layered with eggs, potatoes, ham and cheese.

Make it the night before and you’ll have a great head start on your meal. Bonus — there are easy recipes for banana-stuffed French toast and sour cream coffeecake on the same page.

To round out the festivities, decorate her tray with flowers, a small gift and cards from you and the kids.

By helping your little ones make a card, you’ll be teaching them the importance of being thoughtful and saving money.

And don’t forget to clean up. Nothing says “I love you” like a man who will do the dishes.

Slow-cooker breakfast casserole Ingredients: 12 eggs 1 cups shredded cheddar cheese (any flavor will do) 1 pound deli ham, diced 1 package frozen hash browns cup onions, fresh or frozen 1 cup milk 2 teaspoons salt 2 teaspoons pepper Directions: Spray the bottom of slow cooker with nonstick cooking spray. Beat the eggs and milk in a large bowl, add salt and pepper, and set aside. Add one layer of hash browns to the slow cooker, sprinkle cheese over the hash browns. Add half of the diced ham, followed by another layer of cheese. Sprinkle the diced onions over the cheese and add the remaining ham. Pour the egg mixture over all of the ingredients. Cook on low 8-10 hours.

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Area stores for plus sizes having big sales

I have heard of Lane Bryant, a store for women sizes 14 to 32, but I didn’t realize until this week that CJ Banks also offers great plus-size clothes for great prices. CJ Banks advertises that they serve “sizes 14 and more.”

The good news for shoppers? Both are having sales right now.

Lane Bryant has up to 60 percent off on hundreds of selected styles, and CJ Banks has a sale that starts at 30 percent off tops and 20 percent off capris, with an added 50 percent off certain items.

As of Wednesday, May 6, both stores also were having in-store sales.

Area Lane Bryant stores are at The Greene, the Dayton Mall, the Mall at Fairfield Commons and Springfield Commons. CJ Banks stores are at The Greene, the Dayton Mall and the Upper Valley Mall.

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100 free photos from Photo Cubbie

Carrie, the author of Money Saving Methods, highlighted this deal earlier this week.

She said that Photo Cubbie is offering 100 free prints, plus free shipping if you sign up for their seven-day free trial.

Carrie said she took part in the offer last month, and was pleased with all the photos she received.

Also of note are some other sites offering free photo deals. Visit Carrie’s site for more information.

Maybe it’s a good time to get some of those digital photos printed!

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Get a free skin cancer screening in May

In honor of May being national Skin Cancer Awareness Month, Dayton-area medical centers are offering free skin cancer screenings.

The screenings are by appointment only.

The American Academy of Dermatology has been partnering with dermatologists across the United States since 1985 to offer this free program.

During that time, the academy program has conducted more than 1.9 million screenings and detected more than 188,000 suspicious lesions, including 21,500-plus suspected melanomas.

Consumer Reports notes that skin cancer is the most commonly diagnosed cancer in the U.S.

And, while melanoma cases account for just about 5 percent to 6 percent of all skin cancers diagnosed, it accounts for roughly 75 percent of the deaths from skin cancer.

So go get a screening — especially while it’s free. It could be a lifesaver.

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JCPenney sale has items 50% off and more

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This Diamond “Mom” Pendant is originally $209, and on sale for $99.99
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This Sterling Silver “Mom” Locket is originally $79.99, and on sale for $24.99

JCPenney is in the midst of a two-day sale offering 50 percent off (and more, it seems, on jewelry and some others) on many items throughout the store.

The deals include clothing, shoes, housewares, digital frames, sunglasses and more.

The jewelry seems to be the most discounted, with up to 70 percent off silver jewelry, including some nice mom pendants and lockets.

The sale started Wednesday, May 6, and ends today.

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Free and cheap ways to protect credit

Maintaining a good credit standing is vital to any consumer’s existence these days.

We all must take an active role in protecting our credit and bank accounts by watching out for identity theft and other fraudulent schemes that can cost us a great deal of money and time.

So here are seven tips from Wise Bread, a savvy consumer site, to help you protect your credit for little or no money:

1. Order your credit report for free: Go to Annual Credit Report. Everyone is entitled to one free report per credit bureau each year.

2. Check out free sites and resources for credit information: Get free credit scores through sites such as Credit Karma. Other sites that offer free credit “grades” and proprietary ratings are KnowBeforeYouApply and Quizzle.

3. Ask your financial institution for assistance.

4. Get a security freeze. Some folks have opted to freeze their credit files rather than watch them.

5. Use a credit score estimator. Credit Karma is good for this, too.

6. Set up fraud alerts on your accounts.

7. Pay for a credit monitoring service. Wise Bread said it is worth it to employ sites such as myFICO.

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Diamonds marked down 52% to 72%

International Diamond Jewelers is having a diamond sale this week through Saturday, May 9, on more than 5,000 items.

With markdowns of 52 percent to 72 percent off, it might be a good place to find a beautiful Mother’s Day gift at a great price.

The company said that the prices are only guaranteed if you bring in the ad inserted into today’s Dayton Daily News. There was an ad like today’s in Tuesday’s paper as well, and might be one in Thursday’s.

But, my guess is, since the company runs big sales often, you are likely to get a great deal at the store with the ad or without.

There are two Dayton-area locations; one at 5949 Far Hills Ave. and another at 6743 Miller Lane.

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Wii games available from $9.99

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Sonic and the Secret Rings is $14.99

DealNews has a new item today, May 6, about Nintendo Wii games that are available from around $9.99 at NewEgg.com.

The bargain-spotting DealNews site notes that, with the free shipping, the games are at the lowest total price they could find. Wii games are usually anywhere from $19.99 on up.

Among the games they found at discount prices are: Avatar: The Burning Earth for $9.99, Tony Hawk’s Downhill Jam for $11.99, Elebits for $14.99, Sonic and the Secret Rings for $14.99, Tenchu: Shadow Assassins for $15.99, House of the Dead 2 & 3 for $15.99 and Okami for $16.99.

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Free plant to first 100 moms Sunday

Meadow View Growers, a popular garden center in New Carlisle, is having a special for Mother’s Day on Sunday, May 10, and offering a free plant to the first 100 moms.

Siebenthaler’s is having a Mother’s Day special online coupon marking down Miracle Gro Bloom Booster 1.5-pound box for $4.99 (it is regularly $9.99. Limit two per customer.

Also, this weekend, Siebenthaler’s is having a 20 percent off sale on pottery, zonal geraniums and roses. Their garden centers are in Centerville and Beavercreek.

And Grandma’s Gardens is having a Mother’s Day sale of 25 percent off all roses, flowering shrubs and tropical plants. In addition, the Waynesville garden center is taking $5 off all flowering hanging baskets.

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How much will you spend on Mom?

The average amount that will be spent on a Mother’s Day gift this year is $124, according to the National Retail Federation’s 2009 Mother’s Day Consumer Intentions and Actions Survey of nearly 9,000 consumers that was conducted by BIGresearch.

And that is actually down from last year’s $139.

Total Mother’s Day spending is expected to reach $14.10 billion (spent by those 18 and older) which is slightly more than is spent at Easter.

The study found that the majority of people will buy flowers for Mom, slightly more than half will treat her to a special outing such as dinner or brunch, and others will buy jewelry, gift cards, clothing or clothing accessories, and personal services such as a day at the spa.

Computer-related accessories, housewares, gardening tools, books and CDs also made the short list.

Looking at what folks plan to buy, that $124 seems high. But maybe that is just the Dayton, Ohio, in me talking — it was a national survey.

What about you?

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Tips for getting Mother’s Day deals

In honor of Mother’s Day and the opportunity to not only spend but to make your mother proud, ShopSmart;) magazine has some tips to shop smarter for the woman who brought you into the world.

Also, since there is still time to order online, Buy.com put together a list of the latest deals on gifts for moms.

Amazon also is having a Mother’s Day sale, offering up to 50 percent off potential gifts. They have categories such as “Outdoorsy Mom,” “Decorator Mom,” “Trendy Mom,” etc., which are just fun to consider.

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6 top financial mistakes of newlyweds

Wallet Pop, a wise and fun consumer site, noted today that there are five financial pitfalls that newlyweds who hope to be oldyweds should avoid.

So, lovebirds, take note. Here are six stressful money mistakes:

Keeping money secrets

Not having a budget

Giving one person the financial reins

Dragging debt down the aisle

Sweating the small stuff

Failing to plan for an emergency

Wallet Pop got its info from Kiplinger, by the way, a financial site that also has good almost-married-folks advice, such as 10 questions to ask before saying “I do.”

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Study: 97% regularly buy store brands

Brand loyalty ain’t what it used to be — unless you count loyalty to a store brand.

Consumer Reports noted a recent study Monday, May 4, that an astounding 97 percent of households buy store brands of food on a regular basis.

CR said that although the rougher economy may have pushed more folks to stock up on store brands, their sales have been growing steadily for more than a decade, according to market research experts at NPD Group.

NPD also noted that one-third of consumers who bought store brands have household incomes of $70,000 or more.

CR said that store brands sell for 25 percent less, on average, than the big names.

The consumer site said it has been preaching the benefits and tastiness of store brands for years. However, I have found that some things taste good in the store brands, while others just don’t compare.

For instance: Store brand canned vegetables, good; store brand Parmesan cheese, bad.

What kinds of store brand foods do you like? Which do you hate?

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Kohl’s, E-B having 1-day sales Wednesday

If you have time to get out and shop Wednesday, May 6, don’t miss the 50 percent off sales at area Kohl’s and Elder-Beerman stores.

Kohl’s 1-day Sale has 50 percent off sales storewide and online, plus the store is offering $10 Kohl’s Cash for every $50 you spend.

Senior citizens age 62 and older get an extra 15 percent off.

Elder-Beerman is having a sale of 50 percent off “thousands of items throughout the store,” as well as a chance to earn double your Rewards Points when you use your E-B credit card.

Seniors (ages 55 and older) also get a deal at E-B, earning an extra 20 percent off on regular and sale merchandise when you use your store card.

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Could increasing incomes be key to quicker economic recovery?

I don’t know if it would work, but I like it.

The Web site Wise Bread had an interesting article Monday, May 4, on two ways to fix the economic recession we are in.

The slow route, they say, is to spend less. The quick route? To increase incomes.

“If we can boost household incomes, though, the whole thing could be speeded up considerably. Of course, any particular household might just spend its extra income, but that doesn’t really matter: the economy can handle some number of households that live beyond their means; it always has.”

And where would this money come from? Wise Bread said it would have to come from a change in the way profits are divided between owners and workers — which makes it seem even less likely.

At any rate, it is an interesting idea. I know if I had a bigger income, I would spend more money. (hint, hint)

Wouldn’t you?

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Best grocery deals for week of May 3

Here are Andrea Deckard’s best coupon/ad grocery deals for the week of May 3.

Click on each store name to see a comprehensive sale list for that store. You will also find the coupon matches listed for each item on sale.

This list can help you save time and money, help you stock up on things you might need in the future and help you get the best deals available at area stores.

CVS

FREE after ECB Zantrex3

FREE after coupons/ECB Adidas Deodorant

Coke ECB Deal valued at 50% off

Walgreens

FREE 8x10 Photo Enlargement on Wednesday

$.50 after coupons/RR Pert Plus - visit Mommy Snacks.net for a Printable Coupon

FREE after coupons/RR Right Guard Deodorant

Kroger

$.99 Kellogg’s Cereal — visit Mommy Snacks.net for a Printable Coupon

$.50 Yo-Plus Yogurt

FREE Brut Deodorant

Meijer

FREE Kraft BBQ Sauce

$.50 Kraft Easy Mac Cups

$.50 Smart Balance Peanut Butter — visit Mommy Snacks.net for a Printable Coupon

Target

$.50 SoBe Life Water

$.75 Kraft Velveeta Shells & Cheese — visit Mommy Snacks.net for a Printable Coupon

$1 Smart Food Popcorn Clusters

Walmart

$1 Ball Park Hot Dogs

$.40 Bob Evans Side Dishes

$.88 Kraft Bagelfuls — visit Mommy Snacks.net for a Printable Coupon

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Giving back through shoes

Sometimes it’s not about saving money, but putting your money to its best use. There are things we all need to buy on a regular basis, so why not support companies that give back?

Since we all need shoes — which seem to us like a given, not a luxury — consider purchasing shoes that help other people or the environment.

Thanks to my niece, I recently learned about TOMS Shoes (tomsshoes.com), a Venice, Calif., company started in 2006 by Blake Mycoskie that gives a pair of shoes to a child in need for every pair purchased. It’s a straight one-for-one deal, no gimmicks, no hidden parameters.

Adult styles start at $44 and as of April, TOMS has provided more than 140,000 shoes to children in need around the world.

Pediped shoes for children (pediped.com) is a partner with the Make-A-Wish Foundation. The company donates a portion of its proceeds every year and in March gave over $100,000 to the foundation, which granted seven wishes. The company has committed to up its pledge for the coming year.

Keds (keds.com) now offers Green Label sneakers that are made with 100 percent organic cotton and nontoxic inks and dyes. The laces are made from 100 percent recycled water bottles.

In a partnership with the Arbor Day Foundation, the company will plant a tree for every pair of Green Label shoes purchased this year.

Gift purchases can benefit others beyond your gift recipient, too. If you’re going to purchase a gift of lotions or other bath and body products, The Body Shop (thebodyshop-usa.com) donates $1 from the sale of certain gift sets to Stop Violence in the Home.

The program, which went global in 2003, was started by the company in Canada in 1994 with a focus on ending domestic violence. If jewelry is on your shopping list, check out Kyra’s Collection at amypetersstudio.com.

The line was created by a 10-year-old girl who wanted to give back. It helps that her mom is jewelry designer Amy Peters, but the designs were created by Kyra and 100 percent of earnings after taxes go to charities.

If your gift-getter is a real do-gooder, donate to Heifer International (heifer.org) in the recipient’s name.

With each donation, the organization provides livestock, other animals and trees to help people all over the world obtain a sustainable source of food and income.

For $20, you can donate a flock of chicks, ducks or geese. For only $10 more, you can donate a hive of honeybees.

You can also purchase shares, or 1/10th the total cost, of certain gifts. If you’d like to be a part of a water buffalo gift, that’s $25. For $10, you can be part of a gift of a pig, goat or sheep.

So, as you go out to do your regular shopping, keep the bargains in mind, but remain mindful of how you can help those in need just by purchasing what you normally would.

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Shopping Lands’ End? Try it on at Sears

Judy Wick of the Deals Team had a good piece of advice for those who like to shop for Lands’ End clothing.

If there is ever something from the online site or in the catalog that you want to try on, you can do so at the Sears store at the Dayton Mall.

Also, Judy said: “If you get on their e-mail database you will receive notice of sales such as this swim suit sale,” which has 30 percent off through Wednesday, May 6.

“And, if they do not have an item you are looking in stock, you may order it, shipping free, to be sent to the store.”

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Vote: What is your favorite child-care option?

In today’s Here’s the Deal column, I took a look at what questions to ask when you are looking for a good child-care center, especially for the upcoming summer months.

But the best people to talk to about a particular child-care center or caregiver are the families who have experienced them firsthand.

So, we put together this poll of child-care options in the Dayton area for parents to let other parents know which centers they liked best, and why they liked — or didn’t like — a particular facility or option.

Please note that this is just a sampling of facilities. If you want to vote for a facility omitted from the poll, choose “Other” and write in that facility in the comments section below.

The results of the poll will be in next week’s Here’s the Deal column and blog.

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Here’s the Deal: Finding summer child care

Your kids are out of school and you have to work — so what are your options?

For many working parents, primarily those who have children of elementary school age and younger, the best option is to employ a child care provider.

But how do you pick the situation is best for your family?

Visit/interview

If you are considering a child care facility, the best way to find out what it would be like for your child is to visit.

Leanna Madsen, the manager of the child care center at Children’s Medical Center in Dayton, said the most important barometer of whether or not to choose a site is how it makes you feel.

“Safety is No. 1. Trust your gut,” Madsen said. “When you visit, does it feel like chaos or does it feel safe? Is the staff focused on the children or are they more concerned with you?”

If you are considering a nanny or baby sitter, make sure you get a good feeling from her as well.

“Do the background checks,” said Cathi Wingate, the owner of Nannies4Hire.com, a national Web site that matches parents with caregivers. “Find out who is coming into your home. Check out references. Get to know about her family background.”

Ask questions

Be prepared to ask questions of the facility and the nanny (as they apply), such as:

What is the adult-to-child ratio? The Ohio state maximum is 18 children to one adult. The American Academy of Pediatrics recommends a ratio of one staff person for three to five small children and one staff member for seven to 10 older children.

Are groups separated by age? If so, this can allow for more age-appropriate activities and fewer chances for little ones to be overshadowed by bigger kids. Can your kids be in the same group?

What are the caregiver qualifications? Ask about training, experience and turnover.

What are the discipline policies? How do they address fighting? Bullying? Swearing? Ask for a copy of their policies to make sure their philosophy is in line with yours.

How safe is the facility? Check the building and playground. Are poison control phone numbers and ambulance phone numbers clearly posted? Are there fire alarms? Do they hold fire drills?

Does the playground have impact-absorbing surfaces, such as wood chips, under the swings and slides? Are the children protected from strangers? Are safety gates used for small children? Are outlets covered?

How clean is the facility? How often is the bathroom cleaned? Are the toys and counter tops washed every day?

How do they handle sickness/injury? When do they notify parents? Is medicine given? Is there a nurse on staff? Are the children required to have up-to-date vaccinations?

Is hand-washing a priority? Is the staff certified in first aid? When should you keep your kids home from the center? Will they retain a medical history for the child?

What’s for lunch? Does the site ask for kids to bring lunch? If not, what is on the menu? Is lunch chaotic or calm? Is the food properly stored? Are the kids offered enough fluids?

What is a typical day like? What exactly will the kids be doing? Are there opportunities for every child to succeed? Is there downtime? How often do the kids watch TV or play video games?

How are field trips handled? What is the safety plan? How long are the kids in the van? What about water safety? Who is assigned to whom? Do caregivers apply sunscreen?

Is there an educational component? Is time made to freshen up on reading and math, or is there an effort to teach something new?

What is the cost? How much is it per week? Per day? Do you still pay if your child misses time for illness or vacation? Are there deals for siblings? What discounts are available?

“Quality child care doesn’t come cheap — unless it’s Grandma,” Madsen said.

Third party check

One way to get information locally is to contact 4C Miami Valley, a designated child care resource and referral agency for the region. The agency, which is on 5th street in Dayton, can be contacted at (937) 220-9660.

Karen Middendorf of 4C also suggested parents look into the Step Up to Quality program, a voluntary Three-Star Quality Rating System that recognizes and promotes early care and education programs.

For information on Step Up to Quality, visit the Ohio Department of Job and Family Services Web site or call (877) 852-0010.

A way to check on a facility directly is to contact the Better Business Bureau. On its Web site at DaytonBBB.org, consumers can type in the name of the facility and get a full report.

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4 ways to cut prescription costs

ShopSmart;) and Consumer Reports Health, savvy sister publications, have come up with four ways for you to save money on prescription medications.

It is no surprise that medical expenses such as prescriptions can be costly.

ShopSmart noted that a recent analysis by Wolters Kluwer Health found that more than 20 percent of costly new prescriptions — with co-pays of $100 or more — were never picked up from pharmacies in 2008. But, the study found, only 4 percent were abandoned if their co-pays totaled $10 or less.

So here are some other tips that can save you money:

Ask your doctor for options, like if you can take a lower dose or if you can split your pills. Request generic. And don’t be afraid to inquire about the price tag on your prescription. A recent Consumer Reports National Research Center survey found that only 4 percent of patients ask their doctor how much medication will cost.

Call around to pharmacies in your neighborhood, the same Consumer Reports survey found that the same pills can vary by more than $100 between drugstores.

Look into prescription-drug assistance programs.

Use caution when offered free drug samples, which can end up costing you more in the long run.

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Retail codes that signal final clearance

The More With Less Today at Tip Hero Web sites noted retail codes this week that will let you know if an item is on final clearance.

At The Home Depot, if the price ends in 66, it means it is marked for final clearance.

At Target, when the price ends in 4, it is the final markdown. If the item doesn’t sell, it is sent to Goodwill or a salvage company.

At Costco, if you are ever there, when a price ends in 9, it is the original price. If it ends in 7, it is reduced for clearance. If there is an * in the price it means the item will not be restocked.

Know of any others? Let us know.

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Beautiful yard on a budget

There are lots of places to scrimp and a few places to splurge when landscaping, but overall it’s absolutely doable to create a beautiful yard on a budget. Here are some tips to help you save money and have the nicest looking property on the block:

• Don’t buy large plants. Fast-growing plants like grasses and perennials can be purchased in small containers and will grow quickly. The place to invest more money is on mature trees and shrubs that tend to be slow growers.

• Design your own gardens. Get online or head to the library for plans and information to help you design like a pro. Try the-landscape-design-site.com/blog/ for lots of plans and design tips. If you feel you need design help, have a professional create a plan you can execute yourself. (Which means getting personal with your shovel and really doing it yourself.)

• Add color with a few strategically-placed annuals in high-visibility areas to add a pop of visual interest.

• Make a seating area with a used Bistro set or weathered Adirondak chairs that have been livened up with a fresh coat of bright, weather-resistant paint.

• Border landscape areas. Creating clean borders creates an I-paid-lots-for-this look.

• Get free help. The Clark County Master Gardeners (mastergardener.osu.edu) program runs a free helpline service. Gardeners with questions can call (937) 328-4632 every Monday and Thursday between 9 a.m. and noon for help with vegetables, flowers, diseases and pests. You can bring specimens to the extension office, 4400 Gateway Blvd., Suite 104, for diagnosis during helpline hours. On-line help is available at plantfacts.osu.edu.

• Have a plant swap. Ask family, friends and neighbors to share. Mature plants and bulbs can be easily divided.

• Use mulch to save money. A layer of mulch — chipped wood or stone — holds moisture, improves the soil and helps keep weeds under control. The best deals will likely be found with bulk suppliers; call around to find out about material pricing and delivery charges. Even though prebagged materials may seem more convenient, they will cost more and may be contaminated with pests.

• Use landscaping materials that are low-cost or free. Boulders, rocks, bricks, an old wagon wheel, or an antique cast iron gate will be an interesting visual element. Ask if you can have scrap materials from building sites and check out garage sales or auctions for items on the cheap.

• Choose plants that are indigenous to the region or can withstand the climate. This can save money and time as it will lessen maintenance and replacement costs. The Ohio Nursery and Landscape Association (buckeyegardening.com) offers a map of planting zones and a plant database.

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Cribs sold by Babies R Us recalled

Cribs have been in the news a great deal lately, and for all the wrong reasons.

The latest crib recall is actually an expansion of one Jardine initially issued in June 2008.

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Americana Pecan 4-in-1

This recall involves seven models of Jardine wooden cribs with the date codes identified on the CPSC site. Cribs with other date codes are not affected by this recall.

The date code and model number are printed on the label located on the inside of the bottom rail of the headboard or footboard.

The problem with the cribs is that the wooden crib slats can break, creating a gap, which can pose an entrapment and strangulation hazard to infants and toddlers.

The CPSC has received 31 incident reports of slats breaking, including two reports of children becoming entrapped in the gap created by the broken slat on the crib models identified below.

In 10 of these incidents, consumers reported that their child broke the slat while in the crib. There was one report of minor injuries (bumps and abrasions.

These cribs were sold at KidsWorld, Geoffrey Stores, Toys R Us, and Babies R Us stores nationwide, and at babiesrus.com, from September 2005 through April 2009 for between $220 and $330.

Consumers should immediately stop using the recalled cribs and contact Jardine to receive a full credit toward the purchase of a new crib. Jardine will provide consumers with detailed instructions for purchasing cribs in retail stores and online.

For more information, call Jardine at (800) 646-4106 or visit www.jardinecribrecall.com.

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Free coffee at Borders near Dayton mall

Good books and free coffee. Ahhhh …

Through Wednesday, May 6, the Seattle’s Best Coffee outlet inside the Borders bookstore on Miamisburg-Centerville Road is offering a free 12-ounce beverage with a coupon, which can be printed from the Borders site.

Sounds like the makings of a good weekend to me. Enjoy!

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Treat Mom, fight flu with good clean sale

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Foaming Sanitizer Japanese Cherry Blossom among pretty, clean sale items

Deftly addressing both swine flu concerns and Mother’s Day shopping with one tidy campaign, Bath & Body Works is running a sale on their antibacterial collection of soaps, lotions and hand-sanitizers.

Using the tagline “Mom says wash your hands,” Bath & Body is offering a mix and match of the antibacterial collection items for 4 for $10. Each of those items has up to a $5 value.

Single-item purchases are at regular price. This offer is while supplies last, and the store notes that the selection may vary online and by store location.

The sale runs through Sunday.

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National Scrapbook Day deals Saturday

With Saturday, May 2, being National Scrapbook Day, Deals Team member Karen Baird reports that deals do, in fact, abound this weekend.

Karen said that the Flower Factory will have a large selection of scrapbooking supplies for 15 percent off; Jo-Ann Fabric and Crafts has stamps, albums and paper at 50 percent off; and Hobby Lobby — which has albums, refill pages, single sheets, totes and organizers, stamps and page kits — has marked down their merchandise 50 percent as well.

So celebrate National Scrapbook Day as it was intended — with lots of new crafting and scrapbooking supplies. Happy memories!

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Target, Walmart deals on cereal, baby items, much more

The crafty Deal-Seeking Mom has noted some big opportunities for saving at Target and Walmart this weekend.

Target has a deal on Kellogg’s cereal, and the DSM notes that f you can make it to Target by Saturday, you can score five boxes of cereal at just 39 cents each after gift card. She adds that you get a $5 Target Gift Card when you buy five elected Special K products.

As far as Walmart, the DSM site has a long list of baby items, food items, health and beauty, cleaning and pet care supplies that you can save on with the printable coupons her site provides.

So, if you are heading to either of those stores this weekend, check out the DSM site before you go.

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Suit cleaned for free for job-seekers

Long Cleaners, which has four Miami Valley locations, is reaching out to the unemployed in the community.

The third-generation dry cleaners is having a special on May 20 and 27, offering a free suit cleaning those days and help finding a job, said co-owner Tom Perry. Customers need to bring in their resumes.

“We’re excited about it,” Perry said. “My wife and I have noticed a couple of other businesses in the Miami Valley doing nice things for the community because of the unemployment factor, and we wanted to take part.”

Perry said that, with this deal, job-seekers will not only get a free cleaning, but they also will get help finding a job.

“I have a friend, Angela Gearhart, who works with Adecco (employment services),” Perry said, “so I asked her if she would want to help with this.”

“All we’re asking is that they (customers) bring in a resume and we’ll give them a suit cleaning for free,” said Perry, adding that representatives from Adecco will be on hand to offer tips about individual resumes and to then fax the resumes to Adecco to try to find job placements.

Long Cleaners will be open from 7 a.m. to 7 p.m. on those Wednesdays, May 20 and 27.

The four stores are in Fairborn on Dayton-Yellow Springs Road, in Beavercreek on Dayton-Xenia Road, in Miami Twp. on Springboro Pike (across from LexisNexis) and in Miamisburg on Main Street.

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