Parade 01-13 by The Southern Illinoisan

AME竏終CA SAVES

HOW YOU CAN

BANK A BUNDLE IN 2013 $10,000 $ 10 000

WORTH OF TIPS INSIDE

S U N D AY, J A N U A RY 1 3 , 2 0 1 3

T WA L

COT ER S

T ’S

PARADE

SUNDAY

Emmy Rossum

Q: Which does Emmy Rossum prefer: singing or acting? —Kelly B., Atlanta A: ”Music is closest to my heart,” says Rossum, 26, who began her theatrical career at age 7 with the Metropolitan Opera’s Children’s Chorus. “But I hope I never have to choose between them.” Rossum starred in the ﬁlm of The Phantom of the Opera in 2004 and is on the Showtime series Shameless; she also has a movie, Beautiful Creatures, due next month. Her album of standards, Sentimental Journey, is out Jan. 29; hear a song at Parade.com/rossum.

Anthony Bourdain

Q: Are there any foods Anthony Bourdain absolutely hates? —Michael Woodard, Norton, Ohio

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

JESSICA CHASTAIN The actress on her Golden Globe–nominated role as a CIA agent tracking Osama bin Laden in Zero Dark Thirty (in theaters). Your ccharacter, Maya, is Your Y based on a real CIA operative. Did yo you meet her? She’s still working undercover, so no, I workin didn’t. didn’t n’ . She gave everything to this thi is m mission. I ﬁnd it so noble. This m movie gives credit to someone who can’t come out someo and sa say, “This is what I did.” Where were you when you heard bin Laden had been killed? I was in New York City 9/11 and when bin Laden for 9/1 killed. It was emotional, was ki but it didn’t feel like a happy ending. There was a sense en Tune in to of peace, but it was just o the Golden the th end of one chapter Globe Awards, and a the start of another.

Jan. 13, NBC, 8 p.m. ET

You didn’t ﬁnd success Y in Hollywood right away. Did yyou ever feel discouraged? There were years of being discouraged. I didn’t any luck when I ﬁrst have a moved to L.A. I was in casting rooms with beautiful, tall, tan, blond women; I kept being didn’t look modern. But told I d when I read the description for character in Tree of Life, my ch said, “A woman who looks it said though she’s from another as tho time.” I thought, “Here we go!”

Goreville, Ill.

F∏EEBIE

Enter for a chance to win The Incredible Mel Brooks: An Irresistible Collection of Unhinged Comedy DVD set signed by the legend at Parade.com/win

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

Q: Will the kid contestants on The Biggest Loser be treated differently than the adults? —Louis Ramos, Galveston, Tex.

A: In an effort to take the

Damon and Affleck in 1998

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

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

did you buy with your What d big paycheck? A custom ﬁrst b couch for my apartment in L.A. actually don’t spend a lot of I actua money on things. I still drive 2006 Prius! my 20 Send questions to per e personality@parade.com or P P.O. Box 5001, Grand Cen e Central Station, New York, N.Y N.Y. 10163-5001.

The Biggest Loser contestants and their trainers

PHOTOS, CLOCKWISE FROM TOP LEFT: GREGG DEGUIRE/WIREIMAGE; STEVE GRANITZ ARCHIVE/WIREIMAGE; TRAE PATTON/NBC; JB LACROIX/WIREIMAGE; CRAIG SJODIN/ABC

WALTER SCOTT ASKS...

Q: How did Matt Damon’s experience writing with John Krasinski compare to working with Ben Afﬂeck? —Mindi Kimmel,

2 • JANUARY 13, 2013

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

Parade

WHO FITS THE BILL?

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

1. Alexander Hamilton

HELP YOURSELF

a. _____✎

Meet three new problem-solving sites

IF YOU NEED AN EXTRA PAIR OF HANDS ...

2. Andrew Jackson

3. Ulysses S. Grant

4. James Madison

b. _____✎

c. _____✎

d. _____✎

H A L L M A R K He’s her work in progress.

H A L L

Upload a pic of an unwanted piece of clothing

O F

F A M E

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IF YOU’RE CLEANING OUT YOUR CLOSET...

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

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

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W O R L D

PHOTOQUEST/GETTY IMAGES; HULTON ARCHIVE/GETTY IMAGES; STOCK MONTAGE/GETTY IMAGES

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

QUIZ

PHOTOS, CLOCKWISE FROM TOP RIGHT: MICHAEL BECKER/FOX; ISTOCKPHOTO; STOCK MONTAGE/GETTY IMAGES;

READING CORNER

P R E M I E R E

Julia Stiles

Directed by John Gray

Written by C. Jay Cox

Parade

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

QUIZ

WHO FITS THE BILL?

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

1. Alexander Hamilton

a. _____✎

HELP YOURSELF

Meet three new problem-solving sites

IF YOU NEED AN EXTRA PAIR OF HANDS ...

KILL ANYTHING THAT MOVES The My Lai massacre during the Vietnam War wasn’t an isolated case, but business as usual, according to this explosive new book. Drawing on interviews and Pentagon documents, Nick Turse offers a painful yet compelling look at the horrors of war.

b. _____✎

3. Ulysses S. Grant

c. _____✎

Upload a pic of an unwanted piece of clothing to Tradesy .com and determine its value using the site’s pricing algorithm. When the item sells, Tradesy sends you a prepaid package addressed to the buyer; as soon as you ship it, the money is deposited in your PayPal account. It’s like eBay, only easier.

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

4. Benjamin Franklin

d. _____✎

5. James Madison

e. _____✎

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

2. Andrew Jackson

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4 • JANUARY 13, 2013

Kennections By Ken Jennings HOW TO PLAY

All five correct answers have something in common. Can you figure out what it is? 1. What writer told the misinformed New York Herald in 1897, “The report of my death was an exaggeration”?

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

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

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

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

✎ WHAT’S THE “KENNECTION” BETWEEN ALL FIVE ANSWERS?

✎

Play trivia puzzles by Ken Jennings and readers at Parade.com/ken ANSWERS: 1. MARK TWAIN; 2. FRANK LLOYD WRIGHT; 3. JAZZ; 4. BASEBALL; 5. THE CIVIL WAR ALL ARE TITLES OF KEN BURNS DOCUMENTARIES

PHOTO: ANDY REYNOLDS

MAKE MORE KENNECTIONS!

AME∏ICA SAVES

PICTURE AN EXTRA

START WITH A WARM-UP

(OR MORE!) IN YOUR POCKET

Forget penny-pinching and self-deprivation. In this year-round savings guide, personal finance experts share their best tips for curbing your spending as painlessly as possible, so budgeting never feels like a chore. The secret? Making minor adjustments in your behavior—from buying movie tickets in bulk to using a programmable thermostat—that add up to major dough over the course of 12 months. It’ll be the best money you never spent. By Kate Rockwood COVER PHOTOGRAPH BY LEVI BROWN | ILLUSTRATIONS BY YAREK WASZUL

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

COVER PROP STYLING: ARIANA SALVATO

“You don’t run a marathon the ﬁrst day you start exercising, and getting in ﬁnancial shape is no different,” says Mary Caraccioli, host of the cable show We Owe What? Below, her easy-doesit regimen for building better saving habits over time.

6 • JANUARY 13, 2013

Step 4: Break your goal into smaller

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

SUPER

SAVERS James, 45, and Laura Kremko, 38 HOMETOWN

Vacaville, Calif. OCCUPATIONS

He works for the state of California; she is a nurse

DIAL UP CELL SAVINGS

If you live with teens (or text like one):

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

If you have butterﬁngers: Spring for phone insurance. Theft and water damage aren’t covered by most warranties. “That $5 a month or so is worth it,” says Todd Day, a telecommunications analyst at Frost & Sullivan. ■ POTENTIAL SAVINGS: $215 PER YEAR FOR ANYONE WHO HAS TO REPLACE A SMARTPHONE EVERY TWO YEARS

If you talk less than 100 minutes a month: “A general rule of thumb is

that for extremely low-volume voice-only customers, a prepaid plan is the best option,” says Sam Simon, a senior fellow at the New Millennium Research Council. The lowest carrier contract might be $40 for

450 minutes per month; a prepaid plan may include 120 minutes for as little as $29—and the minutes are good for three months.

move, says Simon, may be switching to an unlimited prepaid plan—which includes talk, text, and data for a ﬁxed fee, sometimes as low as $50 a month.

■ POTENTIAL SAVINGS: $306 PER YEAR IF

■ POTENTIAL SAVINGS: $1,020 (THE MEDIAN

YOU BUY SIX ROUNDS OF 120 MINUTES TO

OVERAGE CHARGE OF $85, TIMES 12)

LAST 12 MONTHS (WHICH AVERAGES OUT TO 60 MINUTES A MONTH)

If you regularly go over your minutes:

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

If you are shopping for a new contract:

Check out billshrink.com, a free site that compares your phone usage with 10 million data points to help ﬁnd the best carrier and deal for you. ■ POTENTIAL SAVINGS: MORE THAN $300 PER YEAR, ACCORDING TO BILLSHRINK’S ESTIMATES

SAVINGS RATE

40 percent Growing up with a single mom, James vowed never to live paycheck to paycheck. He and Laura put away nearly half of what they earn. James’s pension from the air force and rental income from two houses help them save; but they’re also not splashing out on big expenses. “We’re not a keep-up-withthe-Joneses type of family,” James says. “My vehicle is a 1999 and my wife’s is a 2004. Our house is a threebedroom and it ﬁts us well. We’re not interested in a McMansion.” The Kremkos have their eye on retirement— James maxes out the limit on a 401(k) and a 457(b). In the meantime, they plan to pay for their daughter’s tuition when she starts college next fall. —Kate Ashford

JANUARY 13, 2013 • 7

CUT YOUR GROCERY BILLS

The average family of four with school-age children spends about $235 a week at the supermarket. But by following these nine expert tips, that family could shrink its receipts by $50 a week. 1. Make a list. Planning your meals for the week means you’re less likely to buy extra food—or run short and call for takeout. It may also help check your impulse buys: About 20 percent of grocery purchases are unplanned, according to research. 2. Grab the bag. Five-pound sacks of onions, potatoes, and oranges are often half the price of the same items sold loose. 3. Weigh the options. Before you buy in bulk, check the cost per unit, or CPU, displayed on the shelf, to make sure a larger container is indeed a better value. 4. Do your own prep work. Grated cheese and prewashed salad can be convenient—but they’re also costly. Shredded carrots, for instance, may run you nearly ﬁve times more than whole carrots by weight. 5. Post your receipt on the fridge. It’s an easy inventory of what’s waiting to be eaten, and the sum at the bottom provides a gentle reminder to dine at home. 6. Use, don’t lose. Americans toss 14 to 25 percent of the food we purchase, according to experts. To keep this week’s meat and cheese from

SUPER

SAVERS Jennifer Terry, 38 HOMETOWN

New Orleans OCCUPATION

Service and innovation manager for the city SAVINGS RATE

20–25 percent Jennifer is finally debt-free after years of paying off student loans. Next on her financial to-do list: Buy a condo, travel to Asia and South America, and build a twoyear emergency fund. “Two years sounds extreme,” she says, “but I was unemployed for five months and then worked part-time for a year, and I didn’t have to worry about money because I had a decent sum socked away. Given the tenuous job market these days, I think it’s better to be ambitious.” Jennifer has never found her hefty savings rate to be a sacrifice. “What I haven’t done recently is go on vacation, and I don’t own a car. I shop at thrift stores. But I don’t consider it a subpar lifestyle. I have a normal life.” —K. A.

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

one-month trial, with the option to continue membership for as little as $1.25 a week. ■ POTENTIAL TOTAL SAVINGS FOR ALL NINE TIPS: $2,600 PER YEAR

TUNE UP YOUR CAR BUDGET

Go easy on oil changes: “Because oil

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

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

8 • JANUARY 13, 2013

Medication Guide JANUVIAÂŽ (jah-NEW-vee-ah) (sitagliptin) Tablets Read this Medication Guide carefully before you start taking JANUVIA and each time you get a reďŹ ll. There may be new information. This information does not take the place of talking with your doctor about your medical condition or your treatment. If you have any questions about JANUVIA, ask your doctor or pharmacist. What is the most important information I should know about JANUVIA? Serious side effects can happen in people taking JANUVIA, including inďŹ&#x201A;ammation of the pancreas (pancreatitis) which may be severe and lead to death. Certain medical problems make you more likely to get pancreatitis. Before you start taking JANUVIA: Tell your doctor if you have ever had

Stop taking JANUVIA and call your doctor right away if you have pain in your stomach area (abdomen) that is severe and will not go away. The pain may be felt going from your abdomen through to your back. The pain may happen with or without vomiting. These may be symptoms of pancreatitis. What is JANUVIA? )%,01(% type 2 diabetes. )%,01(% ! )%,01(% ( chance of getting pancreatitis while you take JANUVIA. ( )%,01(% !# Who should not take JANUVIA? Do not take JANUVIA if:

)%,01(% . + ' ingredients in JANUVIA. Symptoms of a serious allergic reaction to JANUVIA may include:

What should I tell my doctor before taking JANUVIA? Before you take JANUVIA, tell your doctor if you: ( )%,01(%

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

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/ doctor about the best way to feed your baby if you are taking JANUVIA. Tell your doctor about all the medicines you take, and herbal supplements. Know the medicines you take. Keep a list of your medicines and show it to your doctor and pharmacist when you get a new medicine. How should I take JANUVIA? / )%,01(% !

3 )%,01(% Take JANUVIA tablets whole. Do not split, crush, or chew JANUVIA tablets before swallowing. If you cannot

swallow JANUVIA tablets whole tell your doctor.

3 change your dose of JANUVIA based on the results of your blood tests. 3

)%,01(% * when JANUVIA is taken with certain other diabetes medicines. See â&#x20AC;&#x153;What are the possible side effects of JANUVIA?â&#x20AC;?. ( ( skip the missed dose and go back to your regular schedule. Do not take two doses of JANUVIA at the same time. ( )%,01(%

- & & 2 surgery, the amount of diabetes medicine that you need may change. Tell your doctor right away if you have any of these conditions and follow your doctorâ&#x20AC;&#x2122;s instructions. &

@ 80<BC70# A ! ! sugar (hyperglycemia), and problems you have because of your diabetes. E ! 0&1# What are the possible side effects of JANUVIA? Serious side effects have happened in people taking JANUVIA. @ â&#x20AC;&#x153;What is the most important information I should know about JANUVIA?â&#x20AC;?. Low blood sugar (hypoglycemia). If you take JANUVIA with another medicine that can cause low blood sugar, such as a sulfonylurea or insulin, your risk of getting low blood sugar is higher. The dose of your sulfonylurea medicine or insulin may need to be lowered while you use JANUVIA. Signs and symptoms of low blood sugar may include: Serious allergic reactions. If you have any symptoms of a serious allergic reaction, stop taking JANUVIA and call your doctor right away. See â&#x20AC;&#x153;Who should not take JANUVIA?â&#x20AC;?. Your doctor may give you a medicine for your allergic reaction and prescribe a different medicine for your diabetes. Kidney problems, sometimes requiring dialysis The most common side effects of JANUVIA include: JANUVIA may have other side effects, including: ! 80<BC70 0 ÂŽ # ? of diabetes medicine. These are not all the possible side effects of JANUVIA. For more information, ask your doctor or pharmacist. Tell your doctor if you have any side effect that bothers you, is unusual or does not go away. 1 # E 420 &"-%%"420"&%--# How should I store JANUVIA? @ 80<BC70 +- 4 ,, 4 '% 1 '* 1 # Keep JANUVIA and all medicines out of the reach of children. General information about the use of JANUVIA Medicines are sometimes prescribed for purposes that are not listed in Medication Guides. Do not use JANUVIA for a condition for which it was not prescribed. Do not give JANUVIA to other people, even if they have the same symptoms you have. It may harm them. A ; 5

80<BC70# 7 information, talk with your doctor. You can ask your doctor or pharmacist for additional information about JANUVIA that is written for health professionals. For more information, go to www.JANUVIA.com &"-%%"+''")),,# What are the ingredients in JANUVIA? Active ingredient: sitagliptin. Inactive ingredients: microcrystalline cellulose, anhydrous dibasic calcium phosphate, croscarmellose sodium, magnesium stearate, and sodium stearyl fumarate. The tablet ďŹ lm coating contains the following inactive ingredients: ! ! ! ! ! # What is type 2 diabetes? Type 2 diabetes is a condition in which your body does not make enough insulin, and the insulin that your body # E # D ! (glucose) builds up in the blood. This can lead to serious medical problems. 6 ! #

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

DIAB-1039462-0002 08/12

Terms and Conditions â&#x20AC;˘ This voucher is valid for 1 free 30-day trial supply of JANUVIA. â&#x20AC;˘ Limit 1 voucher per patient for the duration of the program. â&#x20AC;˘ Valid for 1-time use only. Free trial offer is valid only for up to 30 tablets of JANUVIA. No purchase is necessary. ReďŹ lls are not required. â&#x20AC;˘ This voucher is not transferable. No substitutions are permitted. Cannot be combined with any other free trial, coupon, discount, prescription savings card, or other offer. â&#x20AC;˘ This voucher is not insurance. â&#x20AC;˘ You must be 18 years or older to redeem this voucher. Patient, pharmacist, and prescriber agree not to seek reimbursement for all or any part of the beneďŹ t received by the patient through this offer. The free trial supply of JANUVIA cannot be used toward any out-of-pocket costs under any plan (such as true out-of-pocket expense [TrOOP]). â&#x20AC;˘ This voucher can be used only by eligible US residents at any participating eligible retail pharmacy in the United States. Product must originate in the United States. â&#x20AC;˘ This voucher is the property of Merck and must be turned in on request. â&#x20AC;˘ Merck reserves the right to rescind, revoke, or amend this offer at any time without notice. â&#x20AC;˘ It is illegal to sell, purchase, trade, or counterfeit this voucher. Void if reproduced. Void where prohibited by law, taxed, or restricted. â&#x20AC;˘ Please read the accompanying Medication Guide and discuss it with your doctor. Also available is the physician Prescribing Information. â&#x20AC;˘ Expiration Date: 06/30/2013

your tank early in the week: Gas prices tend to rise closer to the weekend, when more drivers are running errands.

DITCH YOUR PRIVATE MORTGAGE INSURANCE

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

■ POTENTIAL SAVINGS: $120 TO $250 PER YEAR

Comparison shop: Get a few estimates

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

LOWER YOUR ENERGY BILLS

With a few simple gadgets and products, you can signiﬁcantly reduce your expenses—no sweating or shivering necessary. Black & Decker Thermal Leak Detector ($49) Finding and ﬁxing drafts on

windows, outlets, and poorly insulated walls can slash your heating and

Tide ColdWater Detergent ($11) Up to

90 percent of the energy required to wash a load of laundry goes into heating the water, even though colder temps may do the trick just ﬁne. ■ POTENTIAL SAVINGS: $40 PER YEAR WITH AN ELECTRIC WATER HEATER; $30 PER YEAR WITH A GAS HEATER

SUPER

SAVERS Lou, 37, and Christine Leonardis, 35 HOMETOWN

Madison, N.J.

Lux Smart Programmable Thermostat ($70) It should pay for itself in a few

months. Adjusting the temperature about 8 degrees during the hours you’re at work and sleeping can save about 15 percent. ■ POTENTIAL SAVINGS: $180 PER YEAR

Philips Compact Fluorescent Bulb ($10)

Replace just ﬁve frequently used lights with these superefﬁcient bulbs and see a noticeable drop in electricity costs. ■ POTENTIAL SAVINGS: AT LEAST $70 PER YEAR

A.M. Conservation Group Filter Whistle ($4) Cleaning your furnace ﬁlter

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

BUY TICKETS IN BULK

Popcorn isn’t the only pricey thing at the movies: Tickets cost about $8 on average. Frugal cinephiles should buy them in advance. Regal Entertainment Group, the country’s largest theater chain, sells blocks of 50 for $6.50 each. ■ POTENTIAL SAVINGS: $72 PER YEAR FOR A FAMILY OF FOUR THAT GOES TO THE MOVIES ONCE A MONTH

OCCUPATIONS

He has a graphic design studio; she is a Spanish teacher SAVINGS RATE

30–35 percent As a smallbusiness owner, Lou is conscious that his income isn’t guaranteed. “One year can be unbelievably good, and another, you worry,” he says. So Lou and Christine—who have two kids and a third on the way— want to create a safety net. Whenever Christine gets a raise or Lou lands a big job, a portion of the money is immediately allocated to savings. “If anything happened to the house, I’ve got cash to take care of it,” Lou says. He also contributes to 529s for his children’s education. “My parents weren’t the best money managers, and it ate me up knowing how much interest they paid on debt. I want to retire comfortably.” —K. A.

If you buy your home with a down payment of less than 20 percent, you are typically required to pay for private mortgage insurance (PMI). “It is canceled automatically when the loan balance is reduced to 78 percent of the home’s value,” says Jack Guttentag, founder of the site mtgprofessor.com and a professor emeritus of ﬁnance at the University of Pennsylvania. “But the law also requires that lenders terminate the insurance at the borrower’s request when the balance hits 80 percent.” With PMI rates ranging from 0.5 to 2.5 percent of the total loan, an early cancellation could mean a signiﬁcant chunk of change. ■ POTENTIAL SAVINGS: $1,500 PER YEAR ON A $300,000 MORTGAGE

CHALLENGE YOUR PROPERTY TAXES

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

JANUARY 13, 2013 • 11

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

IF YOU TIME YOUR PURCHASES, YOU MAY BE REWARDED WITH BIG DISCOUNTS January: Many airlines and hotels try to entice tourists with deals on vacation packages after the peak of warmweather travel in December. February: Furniture retailers offer sales to make way for new designs, which debut in the spring. March: Eager to clear shelves for summerâ&#x20AC;&#x2122;s new golf clubs, many sports stores sell old clubs at reduced prices. April: Folks with spring-cleaning fever are donating

clothes, furniture, and home goods, making this the best month to treasurehunt at thrift stores. May: Mattress manufacturers are shipping new models, so retailers are keen to move lingering inventory. June: The height of wedding season has stores courting brides-to-be. Get in on dishware discounts with or without the ring. July: Power tool prices plummet on postâ&#x20AC;&#x201C;Fatherâ&#x20AC;&#x2122;s Day stock.

September: To help create space for snowblowers and other winter gear, the price tags on lawn mowers get trimmed. October: Stock up now on next summerâ&#x20AC;&#x2122;s patio furniture. November: Black Friday and Cyber Monday are fueled largely by deals on electronics. December: Car dealers who want to boost sales numbers before the end of the year are in the mood to bargain.

SHED INVESTMENT FEES

Itâ&#x20AC;&#x2122;s one of the quickest ways to save, says Guy Penn, principal at G.M. Penn Wealth Management. Consider rolling over 401(k) accounts from old jobs into a self-directed IRA. Since the average 401(k) is $75,000, saving 1 percent makes sense. â&#x2013; POTENTIAL SAVINGS: $750 PER YEAR

CUT THE CABLE CORD

Five years ago, watching your favorite shows without a cable box practically required a computer science degree. Today, itâ&#x20AC;&#x2122;s pretty straightforward. Step 1: Invest in a streaming player, like Roku or Apple TV. These simple devices (which cost less than $100) connect your Internet to your

TV, making the new viewing experience identical to the old boob tube. Step 2: Using your streaming device, access the content services that best ďŹ t your needs: NetďŹ&#x201A;ix ($8 a month) offers thousands of movies and TV episodes; Hulu Plus ($8 a month) streams episodes just a few days after they air on TV, but includes commercials.

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August: Swimwear. No surprise that the end of summer means deals. September: To help create space for snowblowers and other winter gear, the price tags on lawn mowers get trimmed.

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lar show you want to watch? For a few extra bucks, Amazon Instant Video and Apple’s iTunes let you access episodes and movies that aren’t offered through subscription services. ■ POTENTIAL SAVINGS: $700 PER YEAR

RAISE YOUR DEDUCTIBLES

Increasing your homeinsurance deductible to $1,000 from $500, for example, could save 25 percent on your policy—a smart move considering that many homeowners ﬁle claims only once every 8 to 10 years. ■ POTENTIAL SAVINGS:

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CUT BACK ON STAMPS

Making monthly payments online won’t simply save you the $4.50 it costs to mail 10 bills; it guarantees you’ll skirt a late-payment fee if one of your envelopes is lost en route. ■ POTENTIAL SAVINGS: $79 PER YEAR

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Sunday with ... Such as? It was difﬁcult when I realized that I wasn’t going to have time to sit with the scripts. AT 17, I I had months with the PACKED MY SUITCASE AND pilot, and from that LANDED IN point on, I’ve had days. NEW YORK. IT’S I can whine about it, but WHERE I FEEL THE SAFEST.” I’ve tried to embrace that this is something that has to happen on instinct. What’s the secret to your long-lived marriage? When I don’t see Kyra, I look forward to seeing her. We talk a lot, and we make each other laugh. People want to know, “How do you do it in Hollywood?” I don’t have the answers. We just like to be together.

PARADE Why did you make

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

Kevin Bacon

The award-winning actor on his new series, his strong You’ve played some notable marriage, and the little thing that scares him most villains, but your character in The Following is the good guy. Was that important to you? There was no way I was going to What do you find frightening? advice about starring in a TV series? Mice. I don’t mind rats, just do a series and play a bad guy. Our lives are so intertwined in mice. They’re small. If I ﬁnd a But I don’t like heroes who have terms of how we react to each dead mouse, Kyra has nothing wrong with other’s work choices. It wasn’t to clean it up. It just them. He’s got his that she needed to give me advice; grosses me out! ﬂaws. That’s really what The star tells how he I just watched her do the show, I wanted to explore. really feels about Kyra’s seven-year so I had a good understanding of “Six Degrees of Kevin Bacon” run on The Closer Your series is one what an hour drama was going at Parade.com ended last year. Has of the scariest ever to be like. Although there were /bacon she given you any to hit network TV. things I wasn’t quite prepared for.

How do you spend your free time? We’re foodies, although recently we’re more into staying home and cooking. She’s into following recipes, and I’m into making them up. My best dish is ﬁsh tacos. I make my own hot sauce for them. I like spicy food. You did most of the footwork in Footloose. Do you ever go out dancing? I don’t really like the music that’s played in dance clubs now, unless it’s retro. I can’t stand pop mixes and house music. I want Motown, Philly soul, funk, Parliament, and Chaka Khan. Every once in a while we’ll dance at home and at weddings. Kyra’s way wilder than I am in terms of dancing!

PHOTO: BRIAN BOWEN SMITH/FOX

efore he boogied in Footloose, Kevin Bacon was a slasher victim in the 1980 horror ﬂick Friday the 13th. “I like scary stuff,” says the actor, 54, who returns to his thriller roots in the highly anticipated TV series The Following ( Jan. 21, Fox), playing an ex-FBI agent who has a long and tangled history with a serial killer. The father of two, who lives in New York City with his wife of 24 years, Kyra Sedgwick, talked to Erin Hill about being the latest big-screen star to headline a small-screen drama.

14 • JANUARY 13, 2013

Ask Marilyn By Marilyn vos Savant

ILLUSTRATION: GRAFILU

I once had a bedbug problem, and it gave me nightmares for a long time. Would the elimination of bedbugs affect our planet? —C. J. Russell, Denver

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

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