![]() ![]() done right, and won't rip you off !!! Senior Discounts From Stores etc. Due to the Covid virus, stores are not offering large discounts at this time. ----- A ----- |
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Senior And Other Discounts from stores etc. Click here to go to the list. ![]() ![]() ----- A ----- AARP Driving Course ![]() www.state.nj.us/health/advance directive/index.shtml ![]() ![]() ![]() Appliance Rebates & Money for Recycling New Jersey's Clean Energy Program ![]() ![]() ![]() www.njcleanenergy.com/residential/ ![]() ![]() ----- B ----- ![]() Bank Accounts & Credit Cards While this is a complicated subject and has many permutations, I will talk about problems with linked and joint bank accounts! ! ! While banks can't prevent you from linking your account to other services, most institutions advise you against it. Major banks warn their customers that giving out bank details can result in compromised accounts. The terms of service at such banks state that the customer is responsible for the loss: the bank may not be liable in cases where an account holder willingly shares account information with third parties. More important are problems having multiple accounts linked to each other in YOUR OWN bank. While it is a little more convenient to have them linked while your online looking at your accounts information, it allows companies to take money from any one of those accounts that are linked together. This can cause problems like overdraft charges if the account does not have enough money in it, not to mention the many hours of talking to the bank and the company that took the money out of the wrong account to get it straighten out ! ! ! In addition they can send late or non payment information to the 3 major credit agencies thus ruining your credit rating. ![]() Joint Checking & Bank Accounts In the case of your parents checking and saving accounts, Never put their name and yours on their checking, saving, stocks, and other assets or accounts. (ex. Mom smith & Son Smith). If you Son Smith, have money problems or someone tries to collect money from you they can take it out of your parents account without any notifications because your name is on the account. Instead the checking, and saving account should read: Mom Smith - POA & POD Son Smith. The bank will make you their own power of attorney of the account (no fees or lawyer needed) and that will give you full access to the account, same as having both names on the joint account. The difference is, if somebody tries to sue or collect money from Son Smith, they will not be able to touch Mom Smiths account ! ! ! ![]() ![]() ![]() www.nolo.com/legal-encyclopedia/new-jersey-avoiding-probate-31944.html ![]() www.legalmatch.com/law-library/article/pros-and-cons-of-payable-on-death-accounts.html ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() Bankruptcy in NJ -- This applies to anyone, Senior or not !!! When all else fails, or before all else fails. ![]() ![]() ![]() ![]() Each and every time anybody request a credit report it gets added in the report as another request. Even though nothing came about from these requests, It lowers your credit score, and that causes everybody to charge you an higher interest rate for your credit cards, any kind of loan, car insurance rates etc. Some rules to consider before going to the lawyer: ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() Cons: ![]() ![]() Pros: ![]() ![]() ![]() ![]() ![]() ![]() Note: (The 20 months time frame is based on the backlog of the court systems as of August 2010.) ![]() ![]() ![]() Burglar Alarm Discount On Your Homeowners Policy Having a working burglar alarm entitles you to a 10% discount on your homeowners premium !!! Also if your house is within 100 feet of a fire hydrant you will get an additional discount. ![]() ![]() Buying And Selling A Home Check with your state. Some unexpected fees that will shock you ! ! ! Buying a home: Title Insurance: The average title insurance policy carries a one-time premium of about $1,000, which covers all upfront work and ongoing legal and loss coverage. However, premiums vary substantially, ranging from as little as a few hundred dollars to more than $2,000. Mansion Tax: The New Jersey mansion tax is a 1 percent tax imposed on the transfer of certain types of real estate where the consideration paid is more than $1 million. Selling a home: Realty Transfer Fee: The realty transfer fee is a graduated tax of between 1 percent and 1.5 percent of the consideration paid for the real property being purchased. An Exit Tax:: If you don't buy another house in NJ, and sometimes if you do ! ! ! Despite the confusion caused by calling it an exit tax, the law simply requires the seller to pay state tax in advance, calculated as follows: New Jersey withholds either 8.97% of the profit or 2% of the selling price, whichever is higher. If you change your drivers license address to a relative or friends house, and say you are staying there for a year, then after the one year waiting period, the state will send your money that it withheld to that address. NJ Income Tax – Capital Gains: A capital gain is the profit you realize when you sell or exchange property such as real estate or shares of stock. If you are a New Jersey resident, all of your capital gains, except gains from the sale of exempt obligations, are subject to tax. Feb 13, 2018 And you wonder why people are fed up and are leaving NJ ! ! ! ![]() ![]() ----- C ----- Calculate Your Debt-To-income Ratio For Consolidating Your Credit Cards Or Applying For A Mortgage Your debt-to-income ratio (DTI) compares how much you owe each month to how much you earn. Specifically, it’s the percentage of your gross monthly income (before taxes) that goes towards payments for rent, mortgage, credit cards, or other debt. To calculate your debt-to-income ratio. The 43 percent debt-to-income ratio is the highest ratio a borrower can have and still get a Qualified Mortgage or consolidate your credit cards to lower your interest rate. Use the calculator included in the link below, to check your debt-to-income ratio. Your credit score can affect the banks decision also. www.wellsfargo.com/goals-credit/smarter-credit/credit-101/debt-to-income-ratio ![]() ![]() Cancer Losing hair from chemotherapy Do arctic cold caps work? It is theorized the cooling action may help prevent extensive hair loss in people undergoing chemotherapy. Cold caps and scalp cooling systems work by narrowing the blood vessels beneath the skin of the scalp, thereby reducing the amount of chemotherapy medicine reaching hair follicles. https://arcticcoldcaps.com/how-cold-caps-work Cold Caps During Chemo: Pros & Cons www.headcovers.com/blog/cooling-caps-chemo-patients ============================== Gamma Knife Stereotactic Radiosurgery Gamma Knife radiosurgery uses high-energy rays to destroy tumors and other diseases. Beams of radiation are aimed at the brain by a machine outside your body. Hundreds of low-dose beams come together at a single point to kill all the cells in the target area while avoiding damage to nearby healthy cells. When a large tumor is being treated, radiation is given in 5 treatments using a mask system. www.mayfieldclinic.com/pe-gammamask.htm ![]() ![]() Capital Improvements Exempt Sales Tax Form (ST-8) MAY BE ISSUED ONLY BY THE OWNER OF THE REAL PROPERTY. MAY NOT BE ISSUED FOR THE PURCHASE OF MATERIALS A registered New Jersey contractor must collect the tax on the amount charged for labor and services under the contract unless the owner gives him a fully completed Certificate of Exempt Capital Improvement. The following are examples of exempt capital improvements: Appliances that are built-in: New construction Porch enclosure Paneling, Construction of New roof installation of New heating system installation In-ground swim pool, installation of Tiled bath, installation of Rewiring New central air conditioner installation New bath fixtures, installation of New electrical outlets installed Painting a newly constructed house New kitchen cabinets, installation of New siding, installation of New hot water heater installation New kitchen fixtures installation of Garage, construction of Patio, construction of Paving of driveway Storm doors and windows, original or initial installation of www.state.nj.us/treasury/taxation/pdf/other_forms/sales/st8.pdf ![]() Car Accident With A deer If you ever have an accident with a deer In New Jersey (may not apply in other states), you make it real crystal clear to the officer and insurance company, THE DEER HIT YOU, NOT that you hit the deer. Strange as it seems, the insurance rules are as such that you will not be charged for the accident, and your rates will not go up.. ![]() ![]() Charity Care Program In the United States, charity care is health care provided FOR FREE or at reduced prices to low income patients. The percentage of doctors providing charity care dropped from 76% in 1996-97 to 68% in 2004-2005. The New Jersey Hospital Care Payment Assistance Program (Charity Care Assistance) is free or reduced charge care which is provided to patients who receive inpatient and outpatient services at acute care hospitals throughout the State of New Jersey. New Jersey Hospital Care Payment Assistance Fact Sheet - State.NJ.us https://www.state.nj.us/health/charitycare/documents/charitycare_factsheet_en.pdf ![]() ![]() Comfort Partners Program The New Jersey Comfort Partners Program is a FREE energy saving and energy education program sponsored by the New Jersey Clean Energy Program. The program is designed to improve energy affordability for income eligible households through direct installation of free energy efficiency measures and education about steps everyone can take to save energy. Participants are asked to partner with the program to develop and carry out a household energy savings Action Plan. For information customers may call 1-866-NJSMART (1-866-657-6278). Program Oversight Provided by New Jersey Board of Public Utilities, 44 South Clinton Avenue, Post Office Box 360, Trenton, NJ 08625-0360. www.njcleanenergy.com/residential/programs/comfort-partners/comfort-partners ![]() ![]() Consumer Facts for New Jersey's Older Citizens The New Jersey Division of Consumer Affairs was established in 1971 to protect the consumers of New Jersey from dishonest and unscrupulous practices. The Division is responsible for administering and enforcing the New Jersey Consumer Fraud Act that protects your rights before, during and after purchasing a product or service. A unit within the division is dedicated solely to investigating fraud against the elderly. Often New Jersey's older citizens are the intended victims of various types of fraud, scams and other unscrupulous practices. The division's handbook "New Jersey Division of Consumer Affairs Senior Fraud Education and Protection Program (Senior FED-UP)" offers advice and provides information that will help you to make informed decisions and avoid becoming a victim of fraud. Also available are Consumer Alerts to educate consumers about emerging frauds and topics that affect their daily lives. FFor copies of the consumer publications and more information about your safety and consumer rights, please contact the New Jersey Department of Law and Public Safety, 49 CONSUMER INFORMATION Consumer Facts for New Jersey's Older Citizens, cont. Division of Consumer Affairs, PO Box 46027, Newark, NJ 07101, telephone toll-free senior hotline 1-877-746-7860. Senior Fraud Education and protection program Handbook. www.njconsumeraffairs.gov/News/Brochures/Senior-Fraud-Education-and-Protection-Program-Fedup-Handbook.pdf ![]() ![]() Call Corporations That Don't Make Their Phone Numbers Available Tired of trying to find a phone number for corporations that don't want you to talk to a live person? Need to talk to a live person to solve your problem or questions. then this link is for you. https://gethuman.com ![]() ![]() ![]() Cell Phone Service (Comcast - Very Cheap) Tired of paying outrageous phone bills ? ? ? ![]() ![]() As of September 2020 there is a rumor that they may allow more than 5 phones. ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() www.xfinity.com/mobile/byod?INTCMP=ILC:bx-ba-byod ![]() ![]() ![]() ![]() ![]() ![]() ![]() Credit Cards - Companies Giving You Free Cash Or Points. ![]() ![]() ![]() ![]() ![]() ![]() Credit Cards - Lower Your Existing Credit Card Interest Rates Did you know that with a simple 2 minute call to your credit card company, you can ask for a reduction in your interest rate ??? We have done this many times over the years & almost always have gotten our rate reduced. Capital One credit card will consider and most likely reduce your rate every 8 months. (They have dropped our rate by 3 to 4% every 8 months, on each card, even if you have more than one card with the same company).. We have called other credit card companies that we had, and asked them to reduce our rate, and a few said no, so we called back 2 minutes later and got another rep, and they said sure we can reduce your rate. So it pay$ to be persistent ! ![]() All of our bills are paid by credit card getting up to 2% back, and in our case we also pay our mortgage via credit card. ![]() ![]() ![]() ![]() ----- D ----/span> Dental: Sponsored by the NJ Dental Association, this agency affords eligible seniors the opportunity of obtaining comprehensive oral health treatment from participating dentists at a minimum courtesy discount of 15 percent. To qualify, persons must be 65 years of age or over and meet the guidelines of the PAAD program (see pages 5-6). To obtain a list of participating dentists for your area, please contact the Division of Aging and Community Services at 1-800-792-8820 (toll-free within NJ) or 609-943-3437. www.state.nj.us/humanservices/doas/documents/statewide_benefit_2011.pdf Goto page 59 in the document. ![]() Department of Human Services for NJ - (Services A to Z) Here is a list of over 500 services offered by the the state of New Jersey Department of Human Services. www.state.nj.us/humanservices/services/ ![]() ![]() Division of the Deaf and Hard of Hearing Devices currently available as part of this program include: Amplified Telephone - Allows the user to increase the volume of the incoming voice up to 53dB. CapTel Hearing Carry Over(HCO) Telephone Smoke Detector Baby Cry Alert System Artificial Larynx Device (ALD) Annual household income must be less than $45,000. www.state.nj.us/humanservices/ddhh/equipment/ ![]() ![]() Diabetic Medicare Therapeutic Shoe & Sneaker Program In an effort to prevent foot ulcers in people with diabetes who are at risk, Medicare will help pay for therapeutic shoes. For those who qualify, Medicare will pay 80% of the allowed amount for one pair of shoes and up to three pairs of molded innersoles per year. (The allowed amount varies depending on the kind of footwear you need.) Most secondary insurers will help pay the other 20%. . www.diabetesselfmanagement.com/managing-diabetes/complications-prevention/how-to-choose-footwear/medicare-therapeutic-shoe-program ![]() ![]() Diabetic - Medicare pays for a foot doctor to cut your toe nails. ![]() ![]() Domestic Partner Insurance Domestic Partner Insurance or Domestic Partner Health Insurance is when an insurance contract extends the definition of spouse to recognize domestic partners. As a result, the health insurance benefits may be extended to the unmarried partner and their children. Couples of the same and opposite sex are able to share insurance under a domestic partner insurance coverage just as a married couple would. The biggest benefit being a reduced insurance rate and the ability to be eligible for the employee benefit package. www.thebalance.com/domestic-partner-insurance-101-2645680 ![]() ![]() ----- E ----- Education for Senior Citizens Most all of the public colleges, universities, and community colleges offer senior citizens between the ages of 55-65 and older tuition waivers. Because most do offer these waivers, if a college that you want to attend is not on the list, or is on the list with no tuition waiver information found, call the institution in question and inquire about the possibility of an available waiver. Most colleges and universities permit retired New Jersey residents, age 55-65 or older, to attend courses on a space-available, noncredit basis. This is only a short list of some of them that offer FREE courses. Call any other ones to see if they offer similar programs. Ocean County College - 55 or older. www.ocean.edu/content/public/seniors.html Ramapo - Bergen County Rutgers University - 62 or older. http://ucm.rutgers.edu/about/senior-citizen-audit-program Sussex County Community College - 65 and over. http://sussex.edu/admissions/tuitionandfees William Paterson University - 65 and over. www.wpunj.edu/studentaccounts/seniorwaiver.html Don't forget to ask your tax advisor about Uncle Sam's $10,000 lifetime senior citizen deduction for higher education! www.seniorresource.com/senioreducation.htm ![]() ![]() E-ZPASS Senior Discount In order to participate in this Program you must be 65 years of age or older, have a New Jersey E-ZPass account, have a valid driver's license issued by any state, and have a vehicle registered in your name in any state. You do not have to live in New Jersey to open a New Jersey E-ZPass account. Discount is not available to: only disabled persons, unless your 65 or over, and discount doesn't apply to peek hours. Form and Information to receive a 10% discount - www.state.nj.us/turnpike/documents/nj-Senior-Discount-Program-Application.pdf ![]() ![]() ----- F ----- Face Down Chair If you need eye surgery for a detached retina, or any surgery that require you to hold your head in the down position, then you will be a lot more comfortable with this chair rental. www.facedownsolutions.com ![]() ![]() Farmland Assessment - If you own 5 acres or more. Farmland meeting the requirements for eligibility can receive preferential assessment. The assessment is based on productivity and agricultural or horticultural use of the land. Eligibility Requirements: ![]() ![]() ![]() ![]() ![]() ![]() ![]() Contact: 609-292-7975 www.state.nj.us/treasury/taxation/lpt/exam.shtml ![]() ![]() ..... Food Stamps (SNAP) - NJ ----- As of October 1, 2008, the new name for Food Stamps is the Supplemental Nutrition Assistance Program (SNAP) ![]() ![]() You must fall into one of two groups: ![]() ![]() ![]() www.fns.usda.gov/snap/supplemental-nutrition-assistance-program ![]() ![]() ![]() Furniture: From Bobs stores Bobs Threshold Delivery - Delivery right inside your front door of your house, apartment or condo building, left in the box or packaging, unassembled. We saved $130 on shipping charges for a living room set !!! www.mybobs.com/delivery-information ![]() ![]() ----- G ----- Getting A Ride To Doctor Offices & Shopping etc. If you live in a different county (other than Ocean County) you will have call that county for information. The information listed below is for Ocean County, NJ ONLY. Ocean Ride ![]() Cost is $3.00 with valid PAAD* ID card. ![]() www.co.ocean.nj.us/Transportation/TransportationReserveRidePage.aspx ![]() www.co.ocean.nj.us//WebContentFiles//1be517d7-bd77-42fc-aeed-2d747949ae32.pdf ![]() All trip requests are to be handled by telephone by calling (732) 736-8989, then press "1" to speak with a Reservationist. ![]() 732-736-8989 and then Press * 100 ![]() 732-736-8989 www.co.ocean.nj.us/Transportation ![]() Ocean County Board Of Social Services Applicaton is not available online, they will have to mail it to you. 732-349-1500 Ride is FREE ![]() ![]() Grandparents Visitation Rights ![]() This will be an expensive endeavor. www.state.nj.us/humanservices/doas/documents/statewide_benefit_2011.pdf - Page 39 9-2-7.1. Visitation rights for grandparents or siblings - WomensLaw.org ![]() ![]() ----- H ----- Hearing Aid Assistance to the Aged & Disabled (HAAAD) The State of New Jersey offers hearing aid assistance for persons not otherwise qualified for Medicaid who meet the age/disability, income and residency requirements of the Pharmaceutical Assistance to the Aged and Disabled Program (PAAD). A person eligible for assistance under the Hearing Aid Assistance to the Aged & Disabled program (HAAAD) is entitled to receive up to $100.00 toward the purchase of a hearing aid. For further information, please contact HAAAD, Division of Senior Benefits and Utilization Management, NJ Department of Health & Senior Services, PO Box 715, Trenton, NJ 08625-0715, telephone, toll-free, 1-800-792-9745 or 609-588-7030. ![]() ![]() Hearing Aid Batteries Are you tired of paying $18-22 dollars for 10 pack of hearing aid batteries ? ? ? Stop getting ripped off, go to a Dollar Store and get a 10 pack for one Dollar, if you store does not not have them then look on ebay or amazon. ![]() ![]() Highly Amplified Volume, And Readable Caption Phone If you are tied of trying to find a phone that is loud enough to hear, then look no further. The volume on this phone can be turned up to 58db, which you can hear two blocks away. To qualify for the FREE CaptionCall phone and service, you must obtain certification from a hearing-care or healthcare professional indicating you have a hearing loss, and need CaptionCall to communicate effectively by phone. One of these companies www.Captioncall.com allows you to get up to two of these phones FREE and extra ones can be ordered on line for $75 each. There is no charge for the phone, delivery, installation or ongoing customer support. If you have purchased a hearing aid from a hearing aid center, then you may not have to fill out any of the forms. https://captioncall.com ![]() ![]() Heating Oil Cost Assistance – NJCA Oil Group New Jersey Citizen Action's Oil Group (NJCAOG) is comprised of thousands of heating oil consumers who have joined together to negotiate a lower price with local dealers. After joining, members are assigned a supplier. They then call that supplier and make arrangement for fuel delivery but at the Oil Group's discounted price. Generally, the prices members pay are 10-30% less than average retail prices. The annual membership fee for persons aged 60 and older is $15. For more information call New Jersey Citizen Action, toll-free, at 1-800-464-8465, www.njcaoilgroup.com . CITGO/Citizens Energy Please Note: The CITGO Energy Oil Heat Program is no longer accepting new applications. For information on the status of this program, please call 1-877-JOE-4-OIL (1-877-563-4645). For information on other energy assistance and energy efficiency programs available in New Jersey contact the New Jersey Board of Public Utilities at 1-800-624-0241, www.bpu.state.nj.us/bpu/assistance/programs . ![]() ![]() Homestead Rebate ![]() ![]() ![]() ![]() ![]() ![]() www.state.nj.us/treasury/taxation/homestead/hrhomeowneramounts.shtml ![]() ![]() Hot Water Heater Settings Try this simple hot water experiment. Right now, go turn on the hot water in your shower. Turn the hot water as high as it will go with no cold water at all. Give it some time so that the water reaches maximum heat. Now, stick your hand into the water flow. If you're afraid to do this because your hand will get burnt, then your hot water heater is set too high and you're likely wasting a substantial amount of energy. The Department of Energy recommends having your tank-based hot water heater set to 120 degrees Fahrenheit for most people, but if you've never adjusted the temperature on your hot water heater, it's probably set to 140 degrees, which is the default setting from most manufacturers. If you bought or are buying a used home, you can be pretty sure that someone has turned the dial on the hot water heater to the maximum setting, well beyond the recommended 120 degree setting. Any settings above the 120 degree setting usually the lowest setting on the dial will cost you a great deal of extra wasted money over the year, especially if you have a 50 or 75 gallon tank for a jacuzzi tub. https://www.thesimpledollar.com/turn-down-your-water-heater-155365/ ![]() ![]() ----- I ----- Income Tax Exemption for NJ Veterans - New for 2017 ![]() www.state.nj.us/treasury/taxation/military/vetexemption.shtml ![]() www.state.nj.us/treasury/taxation/pdf/veteransexemptionform.pdf ![]() ![]() Insulin - Lily Patient Assistance Program ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() Low Cost Internet This is a partial list of programs and conditions that determine if you are qualified for low cost internet ! ! ! Always ask you internet provider what programs they offer. Internet Essentials from Comcast brings affordable high-speed Internet home. You may qualify for Internet Essentials if you are eligible for public assistance programs such as the ![]() ![]() ![]() ![]() ![]() ![]() www.internetessentials.com/apply ======================================= There are two ways to qualify for Lifeline: You can qualify through your income. If your income is 135% of the federal poverty guidelines or less, you can qualify for Lifeline assistance. The guidelines vary by household size and the state you live in, but the average federal poverty guideline is generally an annual income of about $34,000 for a family of four. You can qualify through a government program. If you or someone in your household participates in select federal assistance programs, you may qualify for Lifeline. These are the eligible programs: ![]() ![]() ![]() ![]() ![]() ![]() You can also qualify if a child or dependent in your household participates in one of the listed programs. www.highspeedinternet.com/resources/are-there-government-programs-to-help-me-get-internet-service#:~:text=Xfinity%20offers%20an%20Internet%20Essentials,t%20require%20a%20credit%20check. ![]() ![]() ----- J ----- ![]() Jersey Assistance for Community Caregiving (JACC) ![]() What services may be provided? Based on the results of a clinical assessment, a Plan of Care (POC) is developed collaboratively by the participant and his/her Care Manager. All JACC participants receive Care Management services. In addition, the POC specifies other services to be delivered, which may include: ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() www.state.nj.us/humanservices/doas/services/jacc/ www.payingforseniorcare.com/new-jersey/jacc#Benefits-and-Services ![]() ![]() ----- L ----- Legal Aid Legal Services Providers ![]() ![]() ![]() ![]() ![]() http://www.n4a.org/ ![]() ![]() The Leukemia & Lymphoma Society Patient Financial Aid Patient Financial Aid ![]() ![]() Patients who participate in the Patient Financial Aid program may also be eligible for the LLS Co-pay Assistance Program. ![]() ![]() ![]() or Print, complete and return the online application form in English or in Spanish to your local chapter. ![]() ![]() ![]() Support for this program is based on the availability of funds by disease diagnosis. LLS Co-Pay Assistance funds are available for the following diagnoses: ![]() ![]() ![]() ![]() ![]() ![]() ![]() -www.lls.org/#/diseaseinformation/getinformationsupport/financialmatters/copayassistance ![]() ![]() Lifeline - Utility Assistance ![]() or ![]() ![]() ![]() ![]() ![]() ![]() www.state.nj.us/humanservices/doas/documents/statewide_benefit_2011.pdf Page 24 ![]() ![]() ![]() Light Bulbs Replace all light bulbs the are not LEDS with LED daylight type for maximum light, or if you prefer a softer light then choose a soft white type !!! A LED 60 watt LED bulb that is the equivalent of a old 60 watt type incandescent bulb, ONLY consumes 8-9 watts and produces about a 100% increase in a brighter light output !!! That is a saving of 52 watts per bulb, times how many light bulbs you have in and outside of your house. That will save you a lot of money on your electric bill. Old type incandescent bulbs burn very hot, and generate a tremendous amount of heat. In the summer that will make your air conditioning run longer to fight the extra heat, making your electric bill higher. Don't forget to change the light bulbs outside of your house too. Walmart has very cheap light bulbs. Look for the box that had Great Value on the upper left corner of the box. If you need dimmable bulbs make sure the box states that they are DIMMABLE. ![]() ![]() Lower Your Property Taxes- This applies to anyone, Senior or not !!! ![]() (Especially since the value of your house goes down every day in this economy.) ![]() ![]() ![]() ![]() ![]() ![]() Michael A. Vespasiano 331 Main Street Chatham, NJ 07928 www.jerseypropertytax.com ![]() ![]() ----- M ----- Meals On Wheels ![]() We deliver hot, nutritious meals to our seniors' homes Monday through Friday and for our most frail and vulnerable, weekends and holidays. All our menus are approved by a qualified nutritionist, and provide at least one-third of the daily dietary recommendation set by the U.S. Department of Agriculture. Nutrition education and counseling are also provided under this program. Please note: we do not provide meals for special diets. VIEW THIS MONTHS MENU ![]() The demand for Meals on Wheels is extremely high, and increases each year. As a result, we carefully review each case to ensure our limited resources go to those who need it most. In order to qualify, you or your spouse must be: Age 60 or over Housebound, i.e. incapacitated due to accident, illness or frailty Unable to prepare meals safely, or lack the knowledge and skills to prepare meals Lacking support from family, friends, neighbors, health aides or other caregivers to help secure regular meals Spouses of home bound older individuals if an assessment indicates that receipt of Meals On Wheels is in best interest of the senior Disabled dependent child who resides with an older, eligible individual ![]() Though no donation is required, each participant is asked to make a small contribution of $2 per meal to help defray food and preparation costs. It costs over $10 to prepare and serve each meal. Every donation helps us ensure that no senior is ever denied because they can't afford a contribution. ![]() To learn more about Meals on Wheels, please call us at 732-367-1401 or email info@csimow.org. ![]() ![]() Medicaid ![]() To be eligible you must make less than $16,643. www.benefitsapplication.com/apply/NJ/Medicaid Does Medicaid cover ambulance services? Emergency Ambulance Services Medicaid covers Emergency Ambulance services when provided by providers licensed by the state. The patient must be transported in an appropriate vehicle that has been inspected and issued a permit by the state. Medical Transportation or Non-Emergency Ambulance Services Medicaid covers non-emergency ambulance services with a statement by a doctor that the service is required. www.hhs.gov/answers/medicare-and-medicaid/does-medicaid-cover-ambulances/index.html ![]() ![]() Getting Help Paying Your Medicare Costs ![]() Save more than $1,300 annually with a Medicare Savings Program (MSP) Most seniors and individuals with disabilities on Medicare pay between $121.00 and $134.00 each month directly out of their Social Security check for their Part B premium. If your annual income in 2017 does not exceed $16,281 (if single) and $21,924 (if married), and your assets, not including your home and car, total no more than $7,390 for a single person or $11,090 for a couple, you can get the State of New Jersey to pay your Part B premium and save at least $1,300 each year on healthcare expenses. Lower income individuals may save even more. www.state.nj.us/humanservices/doas/home/gethelpmedicarecosts.html ![]() ![]() Medicare Premium Assistance. Not paying the $134 premium for Part Betting Help Paying Your Medicare Costs ![]() 2017 for single, $1,025 per month. 2017 for Married couple, $1,374 per month. ![]() www.healthmarkets.com/resources/medicare/help-with-medicare-premiums ![]() ![]() Medicare Part B Covers: What equipment & supplies are included? Commode chairs Continuous Positive Airway Pressure (CPAP) devices and related supplies Diabetes testing supplies (mail-order only) Enteral nutrient equipment and supplies Hospital beds and related accessories Nebulizers (standard) and related supplies Negative Pressure Wound Therapy (NPWT) pumps and related supplies Oxygen and related equipment and supplies Patient lifts Respiratory assist devices (RADs) and related supplies Scooter and related accessories Seat lifts Support surfaces (group 1 and group 2) Transcutaneous Electrical Nerve Stimulation (TENS) devices Walkers Wheelchairs (standard power or manual) and related accessories www.medicare.gov/what-medicare-covers/part-b/competitive-bidding-program-areas.html ![]() ![]() Medications In Easy Premeasured Dispensable Packs from a dispenser ![]() ![]() ![]() ![]() ![]() ![]() ![]() 9 Ways To Pay Off Your Mortgage Faster ![]() Monthly Accelerated Monthly Semi-monthly Bi-weekly Accelerated Bi-weekly Weekly Accelerated Weekly ![]() ![]() Tell the bank that your extra amount should go toward the principal, NOT the next months payment. https://mortgagecalculatorwithpmi.com/bi-weekly/#Monthly ![]() ![]() Medicare: Covers Cataract Surgery & A Pair of FREE GLASSES OR CONTACTS ![]() ![]() https://www.medicare.gov/coverage/eyeglasses-contact-lenses.html ![]() ![]() New Jersey Low Income Home Energy Assistance Program (assistance with heating and cooling costs) (LIHEAP) and Universal Service Fund (USF) APPLICATION AGENCIES. ![]() ![]() ![]() ![]() ![]() ![]() ![]() Motor Vehicle Registration Discount If you have a PADD card, you are entitled to a discount (Usually $15) on your motor vehicle registration. ![]() or ![]() www.nj.gov/mvc/Vehicle/Fees.htm ![]() ![]() Motor Vehicle Placard The new law, effective August 1, 2013, requires that persons with a disability be recertified every 3 years in order obtain a new placard. ![]() www.state.nj.us/mvc/Vehicle/handicapped_faq.htm ![]() www.state.nj.us/mvc/pdf/Vehicles/HDC_Placard_Application.pdf ![]() ![]() ----- O ----- NJ family Care (obama care) If you are on Medicare you are not allowed by law to get this coverage. Income Eligibility and Cost NJ FamilyCare covers: children, pregnant women, parents/caretaker relatives, and single adults/childless couples. Children 18 and under are eligible with higher incomes up to 355% FPL ($7,189/month for a family of four). Parents still need to renew the coverage each year. Parents/Caretaker Relatives with income up to 138% FPL ($2,795/month for a family of four) must have tax dependent children in their household in order to be eligible under this category. Dependent children in the household must be insured also. Adults without dependent children among ages 19-64 with incomes up to 138% FPL ($1,367/month for a single person and $1,843/month for a couple). Pregnant Women up to 205% FPL ($4,152/month for a family of four). For information on programs for people over 65, blind or permanently disabled click here. New Income and Household Size Calculations Financial eligibility for individuals seeking eligibility for NJ FamilyCare will be based on their Modified Adjusted Gross Income or MAGI. This means the income and household size will be determined by their latest federal tax return which when filed, can be electronically verified. The tax-based household size provides a simplified income calculation. www.njfamilycare.org/income.aspx ![]() ![]() Organ Matching From Live People 1-800-385-0422 ![]() The MatchingDonors.com website can get over 1.5 million hits in a month. Regardless of your need; Kidney, Pancreas, Liver, Lung Bone Marrow or Intestine we may be able to help. MatchingDonors.com may be able to help patients and donors with transplant related expenses not covered by insurance. ![]() ![]() http://matchingdonors.com ![]() ![]() ----- P ----- PAAD ![]() ![]() ![]() AP-2 Application [pdf 237k] -- AP-2A Form [pdf 11k] AP-2 Application [Fillable 645k] -- AP-2A Form [Fillable 34k] AP-2 Application Instructions Here's what you may be eligible for by filling out the initial application for PAAD/Senior Gold: ![]() ![]() ![]() ![]() ![]() ![]() In addition, if you are eligible for PAAD benefits, you may also be eligible for other benefits, such as reduced motor vehicle fees, discounted prices for spaying or neutering your cat or dog, and the property tax freeze. ![]() ![]() ![]() $5 per PAAD covered generic drug. $7 per PAAD covered brand name drug. ![]() ![]() PACE ![]() PACE provides all the care and services covered by Medicare and Medicaid if authorized by your health care team. If your health care team decides you need care and services that Medicare and Medicaid doesn't cover, PACE may still cover them. Here are some of the services PACE covers: Adult day primary care (including doctor and recreational therapy nursing services) Dentistry Emergency services Home care Hospital care Laboratory/x-ray services Meals Medical specialty services Nursing home care Nutritional counseling Occupational therapy Physical therapy Prescription drugs Note: If you join a PACE program, you'll get your Part D-covered drugs and all other necessary medication from the PACE program. You don't need to join a separate Medicare Prescription Drug Plan. If you do, you'll be disenrolled from your PACE health and prescription drug benefits. Preventive care Social services, including caregiver training, support groups, and respite care Social work counseling Transportation to the PACE center for activities or medical appointments, if medically necessary. You may also be able to get transportation to some medical appointments in the community. www.medicare.gov/your-medicare-costs/help-paying-costs/pace/pace.html ![]() ![]() ![]() Paying Bills With Certain Credit Cards Gets You Cash Back !!! ![]() ![]() ![]() $150 month time 12months = $1,800 cable bill for the year. 2% cash back = $36 back to you each year for doing nothing. ![]() ![]() $400 a month =$4800 year = 2% cash back = $96 cash back. ![]() ![]() ![]() ![]() Partnership For Prescription Assistance ![]() www.pparx.org/prescription_assistance_programs/medicare_prescription_drug_coverage_low_income_subsidy ![]() To determine if you could be eligible for extra prescription drug help, the Social Security Administration will need to know your income and the value of your savings, investments and real estate (other than your home). ![]() www.pparx.org/sites/default/files/resources/ppa_low_income_sheet_12.4.17.pdf ![]() ![]() Project Lifesaver ![]() ![]() Project Lifesaver is a unique bracelet identification-tracking program for individuals prone to wandering and who have dementia such as Alzheimer's disease or developmental disorders such as Autism or Down Syndrome. The program does not serve as a "sitter" but rather provides extra support to the caregiver and family to keep the loved one in the community. Project Lifesaver uses a one ounce battery operated radio transmitter that emits an automatic tracking signal every second, 24 hours a day; each bracelet has a unique radio frequency. www.co.somerset.nj.us/government/human-services/aging-disability-services/project-lifesaver ![]() ![]() Property Tax Exemption of 100% for Disabled Veterans or Surviving Spouses. ![]() ![]() ![]() Claim Form D.V.S.S.E. (PDF 13K) must be filed with the municipal tax assessor. www.state.nj.us/treasury/taxation/lpt/exam.shtml ![]() ![]() ..... Property Tax Reimbursement Information (Senior or Disabled Tax Freeze) ![]() Property Tax Reimbursement (Senior Freeze) Program ![]() ![]() ----- R ----- Real Property Tax Deduction for Senior Citizens, Disabled Persons or Surviving Spouses ($250). ![]() ![]() ![]() ![]() ![]() ![]() www.state.nj.us/treasury/taxation/pdf/other_forms/lpt/ptd.pdf For more information - www.state.nj.us/humanservices/doas/documents/statewide_benefit_2011.pdf -- Page 34 ![]() ![]() Reduced Fare Program ![]() Many NJ senior citizens and people with disabilities require assistance in meeting their need for available and accessible transportation. To meet this need, monies from casino tax revenues are made available to the counties for local para-transit services. Services may include door-to-door and fixed route service and, local/user-fare subsidies. Individuals 60 and over can find out about the availability of services in his/her county from his/her Area Agency on Aging by calling 1-877-222-3737. One-Half Fare People with disabilities and senior citizens age 62 and older are allowed round-the-clock discounts on bus fares and trains. The fares are no more than one-half the regular one-way fare on all intrastate bus and rail routes and most interstate bus and rail routes into adjacent states (e.g., New York, Pennsylvania. Excluded are those not accepting the NJ TRANSIT round trip excursion fare. The NJ TRANSIT ID Card, which is not transferable, must be used only by the person to whom it is issued, and must be kept in that person's possession during the entire ride. If the Card is lost or stolen, an application must be made for a replacement card. Reduced Fare Program ID Card In order to be eligible for a reduced fare, elderly or people with disabilities must present either a valid Medicare card or a Reduced Fare Program identification card upon boarding a bus or purchasing a train ticket. The reduced fare card will be valid until age 65, at which time most individuals receive a Medicare card. At age 65, all persons not possessing a Medicare card must submit an application for a (new) Reduced Fare Program ID card whether or not they had one previously. www.state.nj.us/humanservices/doas/documents/statewide_benefit_2011.pdf ![]() ![]() Reverse Mortgage ![]() Pros and cons can be read here. www.reversefunding.com/pros-cons ![]() ![]() ----- S ----- Section 8 Voucher Program -- Housing for Renting & Home Ownership Section 8 Housing Choice Voucher (Renting) ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() www.state.nj.us/dca/divisions/dhcr/offices/section8hcv.html APPLYING FOR SECTION 8 IN NEW JERSEY - www.sectioneightapplication.com/apply/NJ APPLYING FOR SECTION 8 IN NEW JERSEY - www.sectioneightapplication.com/apply/NJ ![]() Section 8 (Home ownership) Program ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() APPLYING FOR SECTION 8 IN NEW JERSEY - www.sectioneightapplication.com/apply/NJ ![]() ![]() Selling your house ((Capital gains (Exit Tax)) What It Actually Is. Despite the confusion caused by calling it an exit tax, the law simply requires the seller to pay state tax in advance, calculated as follows: New Jersey withholds either 8.97% of the profit or 2% of the selling price, whichever is higher. This estimated tax is adjusted when the seller files a New Jersey tax return for the year of the sale. The seller must pay this tax prior to leaving the state, even if there is no gain from the sale. But the state takes all that into account once the year-end income tax is filed. So, for example, if you lost money on the sale of your house, and 2% tax was prepaid before you left the state, you would receive a full refund when you file your New Jersey state income tax. If you do realize a capital gain on the sale, it would be deducted from the estimated tax payment you have made when exiting and the remainder would be returned to you. For a two people names on the deed there is a $250,000 deduction for each one of them, for a total of $500,000 deduction. Jan 16, 2018 - Any amount that is taxable for federal purposes is taxable for New Jersey purposes. Single filers can qualify to exclude up to $250,000. Joint filers can qualify to exclude up to $500,000. This is true regardless of age, as long as you owned and lived in the residence for 2 of the 5 years prior to the sale. www.state.nj.us/treasury/taxation/njit10.shtml ![]() ![]() Selling your house (Best & Worst Times Of The Year) ![]() ![]() Thanksgiving through Christmas, when people are celebrating holidays. ![]() ![]() Schedule of Social Security Benefit Payments 2016 ![]() www.ssa.gov/pubs/EN-05-10031-2016.pdf ![]() ![]() Senior Gold Prescription Discount Program ![]() at least $32,582 and less than $42,582 joint income, if married. Information: www.state.nj.us/humanservices/doas/home/seniorgolddetail.html Application Form: www.state.nj.us/humanservices/doas/forms/ap-2.pdf ![]() ![]() Senior Pass ![]() www.frugalicity.com/senior-pass.html ![]() ![]() ![]() I have personally used these companies services. ![]() $35 Single (ONE CAR) Driveway $55 Double (TWO CAR) Driveway New or Unsealed Driveway EXTRA! 732-504-7620 - Cell 732-221-4840 ![]() ![]() 600 Mule Rd Suite 4 Toms River , NJ 732-281-1000 Lisa went way beyond in cleaning my mother's rugs. They were a challenge, and they came out looking like new. Great service and very prompt. ![]() ![]() Sewer and/or Water Discount ![]() You will have to call your town for more details. Below link is an example for monville, NJ www.montvillenj.org/202/Rates-Payment ![]() ![]() Silver Sneakers ![]() If you have Medicare part A & B and a approved supplemental carrier then you can go to a gym completely FREE. In New Jersey, as of 1-17 Blue Cross is not a participating supplemental carrier. participating supplemental carrier are: Eta, Armac,Clover,Humanna, United Health, and Wellcare. Call 1-888-423-4632 for more information. www.tivityhealth.com ![]() ![]() ![]() Sleeping Better If you nose gets clogged while sleeping then you can help by raising the the bed frame under you head. It could help with snoring too. Using a plastic bed riser kit from Walmart for under $11.00 will help immensely. www.google.com/search?q=bed+lifts&rlz=1C1CHBF_enUS765US765&oq=bed+lifts&aqs=chrome.0.69i59j0l7.7095j0j9&sourceid=chrome&ie=UTF-8 ![]() ![]() Social Security Disability ![]() Two things can cause us to decide that you are no longer disabled and to stop your benefits. Your disability benefits will stop if you work at a level we consider "substantial." In 2015, average earnings of $1,090 or more per month ($1,820 or more per month if you are blind) are usually considered substantial. Your disability benefits also will stop if we decide that your medical condition has improved to the point that you are no longer disabled. You are responsible for promptly reporting any improvement in your condition, if you return to work, and certain other events as long as you are receiving disability benefits. The booklet we send you when your application is approved explains what you need to report to us. Publications: Disability Benefits How We Decide If You Are Still Disabled Working While Disabled - How We Can Help www.ssa.gov/dibplan/dwork2.htm ![]() ![]() ![]() Solar Panels If you are buying a house with existing solar panels or are contemplating putting new ones on you roof, then you must watch this youtube video. Tesla Solar (not a scam), and the Scam Solar Panel Business www.youtube.com/watch?v=hYq0YHsbB9o ![]() ![]() Stair Chair Lift When you have a hard time going up and down stairs in your home. Companies offer reconditioned as well as reasonably cheap new stair chair lifts. Stair lift - Google Search Stairlifts from $999| Authorized Dealer of AmeriGlide Stair Lifts Used Acorn Stair Lift 120 Battery Powered $1299. If you need a 3 position Lift Chair, look here. AmeriGlide 325M 3 Position Lift Chair lift chairs medicare - Google Search On new chairs, Medicare will pay for the mechanism, but not the chair. ![]() ![]() Statewide Benefits for Older Persons ![]() www.state.nj.us/humanservices/doas/documents/statewide_benefit_2011.pdf ![]() ![]() ----- T ----- TSA Pre ✓ ![]() ![]() ![]() www.tsa.gov/tsa-precheck Screening for Passengers 75 and Older, you may leave on your shoes and light jacket during screening. www.tsa.gov/travel/special-procedures/screening-passengers-75-and-older ![]() ----- U ----- Unclaimed Property & Money ![]() ![]() https://www.unclaimedproperty.nj.gov ![]() ![]() Universal Service Fund ![]() ![]() ![]() ![]() www.state.nj.us/bpu/residential/assistance/usf.html#7 ![]() ![]() ----- W ----- ![]() Walker & Cane Proper Adjustments ![]() ![]() ![]() ![]() ![]() ![]() www.state.nj.us/dca/divisions/dhcr/offices/wap.html ![]() www.nj.gov/dca/divisions/dhcr/offices/docs/wap/wb_418_508.pdf ![]() ![]() Getting Power Wheelchairs, Scooters, Lift Chairs, And Wheelchair Cushions From Medicare. NOTE: It is next to impossible to get a motorized wheel chair under Medicare, because doctors don't have a clue how to or don't want to fill out the VERY SIMPLE forms. Even if they fill out the forms, they don't read the VERY - VERY - VERY SPECIFIC requirements specified in the forms. When you call a company that is authorized by the state to give you the motorized wheel chair, they tell you what the doctor wrote is not correct, specific enough or incomplete. If you need the motorized wheel chair, than you MUST find a doctor that, knows how to fill out the necessary forms properly, and has done so many times before, and that his or her patients have successfully received the chair FREE without any hassles by the chair vendor or the state. If not, you are wasting your time and money by going to a doctor that says they can fill out the paper work, when they can't or won't do it properly. We have been told by receptionists and nurses that supposedly asked the doctor if he or she can fill out the forms and have done so before, and they said yes. When you get to the doctors office and take x-rays, a MRI, and pay for an office visit, and when you question the doctor he or she tells you that they no idea what your talking about. We have been on this merry ground to many times, still unsuccessful in getting a chair that was desperately needed. ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() ![]() www.medicare.gov/coverage/manual-wheelchairs-and-power-mobility-devices.html Special rules for getting power wheelchairs or scooters in nineteen states. (INCLUDES NEW JERSEY) www.medicareinteractive.org/get-answers/medicare-covered-services/durable-medical-equipment-part-b/special-rules-for-getting-power-wheelchairs-or-scooters-in-nineteen-states
![]() The Veteran's Administration is somewhat more generous than Medicare when it comes to stair lifts or stair glides as they are referred to by the VA. Wheelchair bound veterans and those who cannot otherwise manage the stairs in their homes as a result of a service connected disability can have stair lifts paid for by VA health care. A home visit and a skills evaluation are both necessary prior to authorization. hhttps://www.payingforseniorcare.com/financial-assistance/stair-lifts-medicare.html ![]() www.medicare.gov ![]() ![]() Statewide Benefits For Older Persons If you didn't find what your looking for on this webpage, then look at this 85 page file from the State of NJ. www.state.nj.us/humanservices/doas/documents/statewide_benefit_2011.pdf ![]() ![]() |
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