Savings on Prescriptions

(ARA) – Patients looking to save money on their prescription medications are sometimes unaware of the resources available to them that can help ensure they get the medications their doctor prescribes at the appropriate co-pay.

Those patients with health insurance that includes a prescription drug plan have access to certain brand and generic medications, based on their formulary. However, when it comes to cost-saving options for prescriptions, there are several ways patients can lower their bill from the pharmacy.¹

Know Your Formulary
There is a reason your formulary is also called a preferred drug list, as it includes those preferred brand and generic medications, approved by the U.S. Food and Drug Administration (FDA), which are covered by your health plan at different co-pay levels. Therefore, medications not on your formulary may cost you more.²

Commonly, formularies have a 3-tiered system, where Tier 1 represents the lowest co-pay for brand-name drugs and generics, with higher co-payments for Tiers 2 and 3.²

Create a list of medications you are currently taking and compare it to your formulary. Knowing which medications are on your formulary and at what tier will help you better work with your doctor to prescribe preferred medications that are appropriate for you, which in-turn will add up to savings.³

In the case of branded medications, some are considered to have excellent formulary coverage. For example, NEXIUM® (esomeprazole magnesium), a proton pump inhibitor (PPI), has excellent formulary coverage for 2011 with 72 percent of patients with private insurance, Medicaid or Medicare Part D having access to it at the Tier 1 or Tier 2 level.⁴

Look for Prescription Savings Cards
Some brand-name drugs offer their own savings cards, extending additional discounts to patients prescribed these drugs, potentially lowering their co-pay. After making a list of your medications, visit the websites for these drugs or call the manufacturer to see if they offer a savings card and if you are eligible to use one the next time you fill a prescription.

One example of a brand-name prescription savings card is for the medication NEXIUM. The NEXIUM Savings Card offers eligible patients instant discounts on their prescriptions for NEXIUM, potentially saving the patient up to $600 annually, with most patients paying $18 each on up to 12 prescriptions of NEXIUM.^5,6 The card does not require activation or program enrollment. Patients can simply download one from purplepill.com or receive a card in the mail by calling 1-800-503-9880, Monday through Friday from 8 am to 6 pm ET.^5,6

Enroll in Patient Assistance Programs
Another valuable resource to help lower the cost of prescription medications is enrolling in Patient Assistance Programs (PAP). These programs are offered by states and pharmaceutical manufacturers to assist patients in accessing medicines they need to stay healthy, sometimes at little to no cost to patients. As every program is different, it’s important to check the eligibility requirements to see if you are able to enroll and begin saving on your prescriptions.⁷

Register for Mail Order
Finally, mail order is an additional savings method that you can enroll in, depending on the options in your health insurance, which offers discounts on the prescription medications you take on an ongoing basis.⁸

You should speak with your health insurance company to see if there is a mail order program that is a part of your plan and if you are eligible to participate. In some cases, enrolled patients can order up to a 90-day supply of medications at a discounted price, and with the convenience of not having to visit the pharmacy to refill a prescription.⁹

All of these options for saving on prescription medications are readily available either on your health insurance company’s website or the websites of the medications you are taking.  Work with your doctor to discuss options that meet both your medical and financial requirements so you are getting the treatment that is best for you.

Important Safety Information about NEXIUM

• Symptom relief does not rule out the presence of other serious stomach conditions
• Talk to your doctor about your risk for:

• bone fractures if you take multiple daily doses of NEXIUM for a long period of time
• low magnesium levels if you take NEXIUM for a long period of time

Tell your doctor about all of the medicines you take including prescription and non-prescription drugs, vitamins, and herbal supplements. NEXIUM may affect how other medicines work, and other medicines may affect how NEXIUM works

Side effects with NEXIUM include headache, diarrhea, and abdominal pain

Approved Uses for NEXIUM

NEXIUM is prescribed to treat the symptoms of acid reflux disease, which typically include persistent heartburn on 2 or more days per week, despite treatment and change of diet.

For many people, NEXIUM is also prescribed to heal damage to the esophagus called erosive esophagitis. This damage may be caused over time from stomach acid wearing away the lining of the esophagus. Only a doctor can diagnose this condition. With NEXIUM, most erosions heal in 4 to 8 weeks. Your results with NEXIUM may vary.

Please read the full Prescribing Information on purplepill.com and discuss it with your doctor or health care professional.

You are encouraged to report negative side effects of prescription drugs to the FDA. Visit www.FDA.gov/medwatch or call 1-800-FDA-1088.

¹ Blue of California. “Drug Formulary.” Available at https://www.blueshieldca.com/bsc/pharmacy/faqs/pharmacy_faqs_drug_formulary.jhtml. Accessed on March 15, 2011.
² Aetna. “Build in ways to save on prescription drugs.”  Available at http://www.aetna.com/employer-plans/sas/healthysavings/pharmacy.html. Accessed on July 19, 2011
³ BCBS of Tennessee. “Top 10 Ways to Save Money.” Available at http://www.bcbst.com/learn/pharmacy/top-10.shtml. Accessed on July 19, 2011
⁴ Data on file, # [1247300, 1045404]: Fingertip Formulary database as of May 24, 2011.
⁵ Atlas # 1245901: Wolters Kluwer Pharma Solutions, Dynamic Claims, six months ending March 2011. Accessed on May 23, 2011.
⁶ Atlas # 1315801 7/11.
⁷ RxAssist. “Frequently Asked Questions About Patient Assistance Programs.” Available at http://www.rxassist.org/faqs/default.cfm#1. Accessed on July 25, 2011.
⁸ WebMd. “Beyond the Pharmacy: Online and Mail Order Prescription Drugs.” Available at http://www.webmd.com/a-to-z-guides/features/beyond-the-pharmacy-online-and-mail-order-prescription-drugs. Accessed on July 20, 2011.  
⁹ BCBS of Michigan. “Mail Order Prescription Drug Program.” Available at http://www.bcbsm.com/member/prescription_drugs/mail_order.shtml. Accessed on July 20, 2011.

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Help conserve water through your gardening and lawn care practices

(ARA) – As temperatures rise this summer, so do the risks of droughts. Water shortages can be a threat to your home and community. That’s why it makes sense for Americans to conserve water as a matter of course. The best place to start is right in your own backyard.

What can you do to conserve water? Here are a few important tips:

* Capture rainfall – Make the most of the rainwater that Mother Nature provides. Rain barrels are effective in capturing the rain that falls on your roof; reuse the water for your plants. Other rain capture techniques, such as rain gardens, can help capture rainfall and keep precious water on your property to replenish the ground water.

* Water wisely – When rainfall is insufficient and supplemental watering is needed, do so effectively by:
- Aiming water at the base of the plant
- Watering in the morning to limit evaporation
- Using a moisture meter to ensure that roots have received enough moisture
- Allowing established grass to go dormant during periods of drought

* Landscape by local climate – Choose drought-tolerant plants that are native to your area. These will require less water under normal circumstances and be able to survive during parched times.

* Feed your grass and other plants – Well-fed plants will grow deep roots that capture and store water. A 10,000-square foot healthy lawn, for example, can absorb 6,000 gallons of water from a single rainfall. That’s a month’s supply of water for a household of two.

* Mulch is a must – A two- to three-inch layer of mulch around your plants will hold moisture in the soil and control storm water runoff. Mulching has other benefits, including preventing weeds and adding nutrients to the soil as it breaks down.

The Scotts Miracle-Gro Company recognizes the important need for nationwide water conservation and, through water management technologies, the company has developed grass seeds, lawn fertilizers, potting mixes, soils and mulches to help consumers use less water when gardening and caring for their lawns.

Making these water conservation practices part of your backyard routine will help your area’s water supply, particularly if everyone does their part.

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Job seekers: Give yourself a SWOT

(ARA) – Have you ever given yourself a SWOT? No. It’s not a typo. With a SWOT analysis, you examine your Strengths, Weaknesses, Opportunities and Threats, along with internal and external factors that might affect your employment search. Many organizations utilize a SWOT analysis to examine their business. A SWOT analysis can also help reduce the anxiety sometimes associated with finding employment.

“It’s a matter of confidence over competence, because most people know how to interview, but may not be confident in themselves,” says Chasity Trzop, director of career services at Brown Mackie College – Louisville.

Strengths
When you conduct a SWOT on yourself it’s important that you ask, “What can you do well?,” says Trzop. “For example, you may be great at multi-tasking and have great communication skills. Soft skills are usually where you will find strengths. Your strengths could be whatever comes naturally.”

Always go into an interview with a positive attitude. What is keeping you from calling potential employers? Some of the answers you may give include nerves or not knowing what to say.

“Some people just get nervous about the job search. It’s important to identify the issues and work on those issues with career coaches or if you are a recent college graduate, visit your school’s career services department for assistance,” Trzop says. “Consider reviewing comments that were made about your strengths by past employers.”

Weaknesses
You should always know your weaknesses, because interviewers will attempt to extract them from you.  Never highlight your weak points on your resume or during an interview. When an interviewer asked Trzop about her weaknesses, Trzop used the weakness she once had that is now a strength. She told the interviewer she took extra training to become very proficient in the area.

“Don’t let interviewers extract your weaknesses. Focus on what you do well,” she says.  Don’t have a canned answer to a question regarding your weak points, because interviewers may have a follow-up question. Never let them see you sweat. As previously mentioned, review comments past employers made about your weaknesses.

Opportunities
“Half of your job leads should be face-to-face or from picking up the phone, not just online,” says Trzop. “People complain about not getting jobs, but they’re not selling themselves nor creating opportunities. You cannot create an opportunity if you don’t know what your strengths are. Go out and volunteer. Create an opportunity.”

Trzop also suggests networking. Let family, friends and others know you are seeking employment. They may know someone who can help. “You can’t run out of the building yelling, ‘I’ve got a degree’ and expect employers to be waiting outside the door with job offers,” says Trzop.

Threats
To identify threats that could prevent you from finding employment, ask yourself, “What is it that will keep me from having an effective and productive career search?” That’s the most critical time to make contacts in your field. What if you are waiting for a certification document that confirms training you took? Are there other barriers out there? There may be other barriers that could affect a successful job search. Know what those are,” Trzop says. Job seekers who get upset about not finding employment are sometimes too passive. Seek support from a career counselor, placement search teams, or if you are a recent college graduate, seek support and assistance from the career services department.

While the SWOT analysis creates anxiety during the process, it helps tremendously. Like preventative medicine, you can fix those threats and hopefully come out with promising results.

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Five steps to take when considering a career change

(ARA) – Is this the right time for you to follow your passion or to reinvent yourself and make a career change? If so, make sure you can put your finger on what you want, so that you can sell yourself to prospective employers.

Carole Redden, director of career services at Brown Mackie College – Phoenix, offers five career-change tips.

Network with a mission
Networking is vital to reinventing yourself or making a career move, but according to Redden, it should be done strategically and often. “You cannot wait for the job of your dreams to come to you,” says Redden. “There are people who attend networking events and do not maximize the number of people they talk to, or do not ask the right questions. If you are looking for a job, you must have a plan.”

Establish your targets before attending networking events and job fairs, and keep the conversation brief and to the point. Develop a relationship with employer representatives you chat with and remember, it’s not just about what you can get from them, but what they can gather from you. It’s a two-way exchange of information. To learn more about networking strategies read “Never Eat Alone,” where author Keith Ferrazzi contends that you’ll be more successful if you take the relationship-building approach. “You should circulate and make multiple new contacts at these events,” Redden says. Those who are unsure about how to network should think of it as “purposeful and engaging communication.”

Most people have more of a network of friends, family, former coworkers and other connections than they realize. It’s important to share your plans with them and ask for help. “If you don’t already have a network, try volunteering or going back to school – both are great ways to meet new people,” Redden adds.

Examine your skills and resources
You don’t have to be stuck in a job. Be proactive. Do a personal assessment and ask yourself: What background, skills and experience can I offer an employer? “If you’ve been in a job for 20 years, ask yourself, ‘What do I really want to do for a living?’,” says Redden. “Make some changes and some tough decisions. It may not be easy, but it’s worth it. Job seeking takes patience.”

Update your credentials
Many jobs require additional education or training. Take classes at local college, or a community or education center. Some nonprofit organizations offer free or low-cost training. If required, obtain certification for your chosen field. “Once you have a developed your ‘brand,’ you’ve got to make yourself more marketable than the next person,” says Redden.

Pursue your passion/your goal
A career is more than a job; for some it’s also a passion, and the career path chosen will require some work. “Some people get so caught up in life pleasing others and forget they have the option to do what makes them happy,” says Redden. If you are out of work, be more diligent. Until you get to where you want to go, you should be willing to work harder in pursuing your passion. The practice of reinvention takes effort. For people who like delivering babies, they are happy when they go to work every morning because they have a passion for what they do.

Volunteer with nonprofits
Use your weekends to volunteer. “This is an opportunity to support those nonprofits that could benefit from your experience,” says Redden. With reinvention, you can still give back and offer to help those who are less fortunate. You will gain valuable work experience in your career of choice.

You can take the Myers-Briggs professional or similar assessments offered by many college career and employment counselors to measure competencies and areas of interest. “If you want a life change, then it’s up to you to do something about it,” says Redden. Be realistic about your strengths, skills and resources. Within reason and with passion, reinventing yourself is possible.

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Finding shoes to inspire confidence and comfort

(ARA) – It’s no secret that shoes can either make or break an outfit. But can uncomfortable shoes also affect your confidence?

According to a recent study, 94 percent of women say they feel good when their feet feel good. Stacy London, style expert and host of TLC’s “What Not To Wear,” has partnered up with the makers of Dr. Scholl’s For Her. She agrees that when it comes to shoes – women can look good and feel good at the same time.

“As a stylist, I know that finding a balance between fashion and comfort can sometimes be tricky. And chances are that most women have experienced “Fabulitis” – the discomfort caused by the decision to wear uncomfortable, yet fabulous shoes,” says London. “That’s why I use Dr. Scholl’s For Her insoles – because I can wear the shoes I want and feel comfortable doing it.”

Helping women get back on their feet

One of the most inconvenient times for women to face “Fabulitis” is during a job interview, especially since the right shoes are an essential component to feeling comfortable and confident. That’s why the makers of Dr. Scholl’s For Her are launching an interactive campaign to support Dress for Success Worldwide, a nonprofit organization that offers professional attire, a network of support and career development tools to women entering the workforce. The program will help empower women by contributing confidence-inspiring footwear and insoles to keep them comfortable while interviewing for jobs.

Stacy London’s interview wardrobe tips
London shares her tips for achieving fashion, comfort and confidence when tackling a job interview:

Comfort is key: Such a big part of achieving success is feeling comfortable in your own skin – and shoes for that matter. Go for heels and add a Dr. Scholl’s for Her insole for comfort.

Suit up: Suits (pant or skirt) are always appropriate. Pair suits with more feminine, colorful or textured tops to add flair.

Must-haves: Every woman should have a comfortable closed-toe heel for suiting and separates, a pencil or simple A-line skirt and a suit.

Walk the talk: Choose clothes and shoes that look and feel good for your body type, stand up tall and show your style with confidence.

To make a difference in the lives of women entering the workforce, consumers can visit www.facebook.com/drschollsforher to vote on the most confidence-inspiring shoe style from now until Aug. 26. Votes will help determine the style of shoes donated to Dress for Success Worldwide ($25,000 in value), and every pair of donated shoes will be matched with an insole. Additionally, for every purchase of a Dr. Scholl’s For Her insole product from July 11 to July 17, a 25 cent donation will go to Dress for Success Worldwide (a minimum donation of $25,000).

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ARA) – If you’re a recent college graduate or a professional looking for work, you already know you need every advantage to compete for work in a marketplace where there are more applicants than opportunities. It pays to be in control of every variable you can, from picking the right suit and honing your interview skills to making sure you know what’s on your credit report before a potential employer looks at it.

If you’re applying for a job, it’s very likely that your potential employer will want to check your credit. More employers than ever are checking job applicants’ credit history. Sixty percent of employers now check applicants’ credit reports, according to a report in the Washington Times. That percentage has climbed nearly 20 percent in the past five years, according to the report.

Employer credit checks can be problematic for many people in this economy. If you’ve been out of work for a while, you may have fallen behind on your bills. And if you’re a recent college graduate, you probably have little credit history – perhaps a few credit cards with a running balance, but probably not a car or home loan that can help add depth to a credit history.

Reviewing your credit report for inaccuracies before an employer sees it is an important step for job seekers, experts agree. It will also help prepare you to address any credit-related concerns a potential employer might have.

As you’re reading want ads and scouring job websites, keep this information in mind:

* Obtaining a report and score, such as the PLUS score offered by CreditReport.com, can help you understand your credit status before a potential employer asks to check your credit. While such a score and report are not necessarily the ones a potential employer will obtain, they can give you a snapshot of your credit status.

* The basics of credit management remain the same, no matter what your situation: pay bills on time, maintain a good ratio of credit used to available credit, show a long history of timely payment, and be smart about the types of credit you use (loans, credit cards, etc.).

* Employers will not be able to check your credit until you give your consent, in writing, for them to do so. While you may expect that an employer would check your credit if you’re applying for a job in the financial services industry or another industry in which you’ll be directly working with money, be aware that a broad spectrum of employers are now checking credit for applicants at all job levels – even some you may not expect.

* If your credit history has some blemishes, you may want to consider adding a personal statement of explanation to your credit report – the major credit bureaus all allow you to do this. While credit experts agree that such statements usually have little impact on potential lenders, an employer may view your explanation differently.

Finally, hold your head high regardless of what’s on your credit report. In this economy, many people are facing financial hardship through no fault of their own. If you’re one of them, be honest and open with a potential employer, explaining your challenges and what you are doing to ensure you’ll be able to meet your financial responsibilities. If your credit history is good, consider it one more tool to demonstrate to potential employers that you are organized, responsible and a desirable worker

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Guidance for gardeners: avoiding injury and discomfort

(ARA) – Warm weather is here and it’s time to get the garden going. Gardening is good for you on many levels – from the mental health boost you get from doing something relaxing to the physical benefits of exercise, time outdoors and adding fresh vegetables to your diet. Bending over to weed, gripping gardening tools and the general physical effort of gardening, however, can make existing aches and pains worse, or even cause new ones.

This summer, take steps to ensure your gardening experience is as comfortable and beneficial as possible. Here are some ideas for avoiding injury and irritating existing conditions while gardening:

Warm up

You wouldn’t go jogging or work out without doing some light stretching and warm-up exercises, and you shouldn’t jump into gardening without warming up first. Before stepping into your garden, do some stretches to limber up, especially your arms, legs and back. When you’ve completed your gardening chores for the day, finish up with more stretching.

Banish bending

Many Americans suffer from chronic back pain, and while it’s important to keep moving despite discomfort, it makes sense to minimize activities that could create or worsen pain. Bending over to work in the garden can be hard on your back. If back pain is a concern, consider planting your garden in raised beds this year, or working with container gardens. Elevated beds require you to bend less when doing typical gardening chores. And container gardens can be placed on tables or deck railings to make it easy to reach plants.

Protect hands and wrists

Weeding, hoeing, raking, shoveling – the repetitive motions of gardening can lead to hand and wrist pain, and worsen existing conditions such as arthritis. Taking steps to minimize irritation and discomfort while you work can help ensure your gardening tasks don’t create aches or worsen pain. Consider wearing an Arthritis Glove, like the Imak-made glove commended by the Arthritis Foundation, to provide mild compression and warmth while you work. Because the gloves are made of cotton Lycra with an open fingertip design, they won’t make your hands hot or hinder movement. Designed by an orthopedic surgeon, the Arthritis Gloves are also fully washable, so you don’t have to worry about getting a little dirt on them as you go about your gardening tasks. An added bonus – wearing any kind of glove can help you avoid another common gardening injury: blisters.

Guard skin

Sunburn and insect bites are also a risk for gardeners, who spend a lot of time outdoors. While most insect bites are just an irritation, sunburn can cause serious, long-term skin damage. To ward off mosquitoes and other biting bugs, apply an insect repellent. Prevent sunburn by always wearing sunscreen – the kind that blocks both UVA and UVB rays – whenever you’re outdoors. Use a wide-brimmed, lightweight hat to shade your eyes and keep the sun off your head. Take frequent breaks and drink plenty of water, especially on hot days when you’ll be out for several hours.

Move wisely

Lifting can be another source of back pain, and gardening often involves lifting, whether it’s heavy bags of soil or seed, or a full basket of the fruits of your labor. Remember to lift from a squatting position, with your back straight, so that your legs do the work, not your back. When kneeling down, use gardening knee pads or even just a rolled up towel to cushion your joints from the hard, damp ground. Remember to minimize twisting motions that can inure your back and joints.

With a few precautions, you can ensure this summer’s gardening activities remain safe, enjoyable and pain free.

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(NAPSI)—Although you have a few extra days to file this year’s tax return, experts encourage you to file sooner rather than later. Whether you’re getting a refund or owe taxes, there’s incentive for everyone to file now.

“Taxes are an important part of your personal finances and rushing could cost you a lot of money this year and in the long run,” says Jessi Dolmage, spokesperson for TaxACT. “Luckily, you don’t have to go it alone and doing your taxes doesn’t have to be painful. Today’s solutions make tax preparation and filing easy for everyone.”

Dolmage shared her top tax tips:

1. Get organized. Put all your W-2s, 1099s and other tax documents in one place. Have last year’s return handy as well for comparison and your AGI that can be used for e-filing.

2. Double-check your data. The IRS rejects millions of returns each year because of very minor errors involving transposed characters and incorrect math or filing status. Verify names, addresses and birth dates. Be sure you’re using Social Security numbers as they appear on the cards. Using import features offered by software or an online solution can help decrease these errors.

3. Choose smart. Not all tax preparation solutions are created equal, especially free ones. Many free solutions exclude forms for complex returns with itemized deductions, investment income, and capital gains and losses. Others provide minimal help and tools. TaxACT Free Federal Edition includes all the forms you need to e-file, unlimited e-mail help, maximum refund and accuracy guarantees and the ability to import last year’s tax data from PDFs prepared by 11 solutions- all free.

4. E-file. Nearly 70 percent of taxpayers e-filed their federal returns last year. Unlike paper filers, you’ll know when the IRS accepted or rejected your return within 48 hours. Combined with direct deposit, you can have your refund in as few as eight days. If you owe, e-file now and pay later via credit or debit card or a scheduled automatic withdrawal any- time before or on April 18.

5. Save time on your state return. The solution you use for your federal return likely offers a state solution, so let the software transfer your information to state forms to save time and reduce possible data entry errors. Most state returns are due April 18 but a few states did not change their deadlines. Even if your state changed the filing date, it may not have changed estimated tax payment dates.

6. An extension to file does not mean more time to pay. Get an automatic six-month filing extension by filing Form 4868, free, with TaxACT Free Federal Edition and pay as much as possible by April 18 to minimize interest and penalties. When you’re ready to file, log back into TaxACT to prepare, print and e-file your federal return free before October 17, 2011.

7. Plan ahead. Adjust your withholding via Form W-4 if needed, and take advantage of the tips and tools your tax preparation solution offers for minimizing next year’s taxes. Finally, save a printed copy of your return with all of this year’s tax documents.

For more tax tips and information, visit www.IRS.gov and www.taxact.com. TaxACT Free Federal Edition allows everyone to prepare, print and e-file a federal return free.

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(NAPSI)—You may be able to save money on your taxes this year. According to the IRS, 60 percent of taxpayers are using a paid tax preparer but may qualify for other options.

If you earn less than $49,000 a year, you can get free tax preparation services from a volunteer tax preparer at any of the hundreds of Volunteer Income Tax Assistance (VITA) sites around the country. These sites are run by nonprofit organizations, such as United Way, and supported in part by Bank of America.

Over the last several years, the bank has invested $4.5 million to support and expand these volunteer-assisted free tax preparation efforts. It also encourages its employees to volunteer at sites, preparing taxes or delivering financial education that aids consumers with issues that are a struggle today—like building emergency savings or understanding and managing credit. It’s part of the bank’s ongoing efforts to help working individuals, families and communities achieve greater financial stability.

Qualifying for Tax Credits

The Earned Income Tax Credit (EITC) is a refundable federal income tax credit for low- to moderate-income working individuals and families. When the credit exceeds the amount of taxes owed, it results in a tax refund to those who qualify for and claim the credit.

Multiplying Dollars in the Community

The tax credit not only benefits the families that claim it, but their communities as well. Research conducted by the Brookings Institution shows that EITC dollars stimulate state and local economies through a “multiplier” effect. Every $1 in returned taxes to taxpayers generates $1.50 locally.

To encourage that kind of economic improvement, the bank helped launch United Way’s national financial stability work, including its efforts to expand EITC outreach, free-tax preparation and One Stop Financial Stability Centers.

These programs have returned almost $2 billion in total tax refunds to lower-income working families, who use those dollars to purchase necessities such as food, clothing and utilities. These expenditures fuel the local economy, benefiting both the families that get the refunds and the communities in which they live.

More Help

If you earn more than $49,000 but less than $57,000 annually, you can still file your federal and state taxes free. Dial 2-1-1 to locate a VITA site near you or visit http://liveunited.org/FreeTaxPrep.

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What you should know about your business credit report

(ARA) – While you’re running through all the financial tasks small businesses do to close out one fiscal year and start the next, don’t forget to examine an often-overlooked key financial factor – your business credit.

Between closing your books on 2010 and preparing for 2011′s tax season, knowing how creditors and others perceive your business may not be top of mind. Yet, now is the perfect time to verify the information in your business credit report and update it with current and relevant facts about your growing business. It can help you better prepare your business for the coming year. The credit experts at Experian offer some insight into the factors that affect your small business credit report and business credit score, and why it’s important to your business.

Why it matters

Does your business credit report really matter? Absolutely. It paints a picture of your small business for the world to see. Outdated or incorrect information can give the wrong impression about your business, resulting in unfavorable decisions by potential lenders and creditors – which can negatively impact your bottom line. Plus, anyone, including partners and investors, can view your business credit report for any reason.

If your business has grown or changed over the last year, it’s important to update the data reflected in your report and know the score. There are several factors that make up a business credit score, including but not limited to previous payment history, industry type and business size.

An accurate business credit report and a good business credit score can:

* Save you money because lenders usually offer their best interest rates to businesses with good credit.

* Reduce your personal liability and protect your personal assets by enabling you to obtain business credit without the need for a personal guarantee.

* Help you offer your customers competitive prices by passing your interest savings on to them, while still keeping a larger margin of profit for yourself.

* Get you the money and capital you need to keep your business running.

What’s on your report?

Your business credit report provides an up-to-date, objective overview of your business and how it manages financial obligations. It can include information on your payment history, public records about your business, background on the company, collections information and comparative information that places your business payment history in context with your industry.

You can find out how your business compares to others like it across the nation in terms of business credit with an interactive map by visiting www.businesscreditfacts.com/map.

Managing and monitoring

Web-based services are a great way to monitor and manage your business credit report. Sites like SmartBusinessReports.com and Experian.com/SmallBusinessCredit not only allow you to view your own business credit report and score, but also provide useful information on how Experian arrives at your credit score and how your business practices affect your score and report. These sites also allow you to check the business credit of your suppliers, customers, prospects, partners and competitors.

Your business credit information is as important to your business’ financial health as your personal credit information is to your ability to borrow money privately. While you’re wrapping up last year’s financial matters and preparing for the coming year, now is a good time to think about your business credit and how you’ll manage it throughout the new year.

Free Appliance and Electronics pick-up for recycling, Stoves, Dryers, Heaters, Freezers, Refrigerators, Computers, Washers, Radios, TVs, Tools, Metal Furniture and other appliances that you are trashing or nedd recycling. We pick-up free and disasemble and properly recycle all parts.
We also have techs check for salvaging or repair, if repaired we give to persons free,or charge for repair cost and parts if needed only. We do not repair these appliances ourselves and not in the repair business, but we will try to salvage and donate appliances if repairs is not costly and is worth the effort and not just a delay to end up in landfills. Call 919-324-8905 OR 919-803-4425
If no answer, please leave voice mail and someone will contact you and set-up a time at your convenience.

Place Your Business In Wake County Business Directory Free!