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Buying a Used Car? Beware of Flood Damaged Vehicles

If you are in the market for a used car, stay alert for prices that seem attractively low. The US has experienced two major hurricanes and numerous floods this year. Hundreds of thousands of vehicles suffered water damage – Fortune Magazine estimates the number of hurricane damaged vehicles to be over 1,000,000 in 2017. Many […]

Furniture and Clothing – NonCash Donations as a Tax Deduction

Wondering if it would help your Federal tax return to take a deduction for the clothing your donated? The Fat Dollar article – Clothing and Furniture Donations on Your Tax Return was just updated and has links to Goodwill and Salvation Army valuation pages as well as useful information and IRS links. Click the link […]

Junk That’s Really Treasures – Your Stuff May be Worth Money

  Ok, maybe your old stuff isn’t worth a fortune, but it could be worth more than you expect. While I was clearing out some of my own clutter, I happened across a 2012 Woman’s Day magazine. (Yes, I did say I was clearing clutter.) An article in the magazine intrigued me. It listed several […]

Review Your Regular Bills for Hidden Savings

Now is a good time to review your regular bills. Make a list of the bills that are paid regularly, such as electric and gas bills, internet and TV, cell phone, trash service, home and auto insurance, etc. Start with the monthly bills and select one. Review every line item on the bill. Do you […]

Buying a Used Car? Beware of Flood Damaged Vehicles

BMWs on Display - Know the Signs of a Flood Damaged Vehicle

If you are in the market for a used car, stay alert for prices that seem attractively low. The US has experienced two major hurricanes and numerous floods this year. Hundreds of thousands of vehicles suffered water damage – Fortune Magazine estimates the number of hurricane damaged vehicles to be over 1,000,000 in 2017.

Many of these flood damaged vehicles have been or will be offered for sale. Some of these vehicles will have been completely repaired and restored. The rest of these water damaged vehicles will have been partially repaired or perhaps not repaired at all beyond draining and drying.

What are the potential problems from buying a vehicle that has been immersed in water?

1. Mold and mildew. The upholstery, door panels, seats, carpets, dashboard, trunk … if not replaced or 100% dried, mold can quickly become a problem. It may not be noticed until much later when the area begins to smell or when you happen to expose the mold when doing an unrelated repair.

2. Rust. Anywhere water lingers on iron metals, rust can develop. The includes any exposed metal on the outside body of the vehicle – anywhere there is a scratch, chip, or dent. It includes door panels, the car floor, the underbody of the vehicle, the fuel pipes, muffler, and more. Importantly, it also includes the engine and any iron-containing bolt, nut, or other part that might be actually holding critical parts of your car in place. It could be many months, even years before you realize the extent of rust damage

3. Electrical system problems – the wires and electrical components are subject to rust and corrosion from water contact. This is one of the classic problems that can arise when you buy a vehicle that looks good but has been in a flood. Controls for the brakes, windows, heating/cooling, headlights, and so much more! Worse, according to Jerime Monroe at Denver Auto Body, flood-damaged cars can have a “huge risk for potential fires” (Source Denver CBS4). It can be many months before electrical system water damage begins to destroy a car.

4. Salt. Salt is highly corrosive to multiple parts of your vehicle and will eventually cause rust and all the problems that come with it. A vehicle that has been immersed in sea water will likely have a film of salt left after the water has evaporated away, as well as salt damage through out the engine, electrical system, and body. Potential damage from salt is so serious that many car repair experts will consider a salt water flooded vehicle to be unrepairable. (Source NAPA and Dashboard Light)

5. Water. Yeah, this one sounds obvious. Most water problems will show up immediately. Water in the fuel tank. Water in the air and fuel filters. Water that somehow found it’s way into the oil system, brake fluid, power-steering fluid, transmission fluid, windshield wiper fluid, or radiator. Water in the catalytic converter can ruin it. Excessive water in the crankcase or cylinders will usually make itself known by destroying the engine almost immediately after it is started. But small, even tiny, amounts of water that linger in any of these areas can slowly wreck havoc with your vehicle.

6. Dirt and debris. While this sounds cosmetic, it can actually be a cause of many serious issues. Perhaps the most dangerous is debris that finds its way in the brake system and interferes with your ability to slow or stop your vehicle. Any part in your vehicle that depends on movement, electric contact, or periodic contact with other parts can be affected by debris and dirt that result from a flood. This includes steering, doors and windows, spark plugs, joints, hinges, axles, and so much more.

So. Unless you are an ace with car repairs, you may find it wise to avoid flood damaged cars and vehicles altogether.

What can the potential buyer do to try to avoid unknowingly purchasing a flood damaged vehicle?

1. Start with the title. One of the easiest actions a buyer can take is to check the history of the car and its title. CarFax offers a free flood check using the car’s VIN number to see if flood damage was reported on the vehicle and if a salvage title was issued for the car. You will also find helpful information about flood damaged vehicles from CarFax on this page.

The National Insurance Crime Bureau – NICB – also offers a free VIN search to check for vehicles with a salvage title.

If the title check indicates a salvage title or a flood damaged vehicle title, and you are still tempted beyond all reason to purchase the car, then you should have the vehicle thoroughly inspected by a mechanic who has experience in assessing water damage in a vehicle. You should also be very aware that a salvage title or flood damaged title will likely make it very difficult for you to sell the vehicle.

Vehicles that pass the title check are not automatically in the clear. Through dishonesty or mistakes, a vehicle that was issued a salvage title may later get a clean title issued. This is more likely if the car has been titled and retitled in different states. If this history is not fully reported, then CarFax or NICB may not detect the prior salvage title.

A vehicle with a clear title may also have been badly flooded, but an insurance claim (and therefore reporting of the damage) was never made. You will need to take other steps to try to detect water damage in these vehicles. Even if there was an insurance claim for a flooded vehicle, if the insurance company did not total the car then a salvage title would not be issued.

As noted above, dishonest car sellers may re-title a vehicle in different states to have the “salvage” flag removed from the title.  This can be by titling the vehicle in a state that does not issue salvage flags on a title or it may be by maneuvers that cause the salvage flag to be unintentionally dropped.  If you are considering buying a vehicle that appears to have been titled in multiple states, you would be wise to trace the title to it’s origin before you purchase it.  You may uncover a prior salvage title from flooding or from other extensive damage to the vehicle.

2.  Look for water lines and water stains on the inside of the interior, glove box, trunk, and inside of the engine compartment.

3.  Look for condensation in the headlights and tail lights.

4.  Be alert for multiple electric problems – a vehicle with multiple non-working or problematic electrical systems, even ones considered non-essential, may be an indicator of more serious flood-related problems to come.

Check every electrical system you possibly can – cruise control, lights, dashboard lights, radio, DVD, traction control, seat controls, heat/air conditioning, 4WD, turn signals, etc.  Michael Jones of Autopom! even recommends that you check the wires under the dashboard by gently bending them.  He indicates that wet wires become brittle as they dry and will no longer be soft and bendable.

5.  Signs of mold or mildew – often the smell is the first sign.  If the car smells of mold, this could be an indicator of serious rust and other impending problems, regardless of whether it has been in a flood. Inspect the upholstery, the trunk, the seats, and as much of the dashboard as you can see.

6. Check for damp areas in the car.  Trapped moisture can linger for months in a vehicle.  Look for foggy mirrors, fogged instrument panels, condensation in the dome light, damp areas under the seats, under the gas and brake pedals, in the overhangs of the wheel wells, in corners,  and in areas not often accessed or exposed.

7. Look for rust and corrosion.  Extensive rust may be a reason to avoid a vehicle regardless of the cause.  But rust or corrosion in unusual places, such as hood springs, on normally protected screws and hinges, seat springs, in the dome light or overhead area, under carpets, under the spare tire, or even on parts of the engine, may be a flood indicator.

8.  Look for a salt or brine film.  This can be an indicator of a salt-water flood.

9.  Look for sand, silt, or unusual debris.  Sand and silt in the glove box, in the corners of the trunk, under the car mats, in the wheel wells etc. can be left behind when flood waters recede.  Same for clumps of debris in the engine compartment, wheel wells, trunk, or underbody.

10.  New carpeting, upholstery, seat covers, seats can be an indicator of a replacement due to flood damage.  Look for mismatched carpeting and upholstery too.

11.  Listen to the radio – static or distortion can be a sign of water damage.

12.  Check the oil and fluids – this one may be harder for the non-mechanic, but off colored or odd textured oil or fluids may be signs that water or water damage is present.


Of course this inspection list is not all-inclusive.  Further, you may not even recognize signs of water damage when you see them.  If you have any suspicion that a vehicle is flood-damaged or if you are purchasing a vehicle from an area that has experienced recent flooding, then have a pre-purchase  inspection by a mechanic who is experienced in finding signs of flood damage.

Staying sharp, watching for signs of flood and water damage, and avoiding the unknowing purchase of a flood damaged vehicle can save you thousands of dollars and prevent many hours of frustrations.  Now, that’s The Fat Dollar way!


How about you?  Have you ever owned a vehicle that has gone through a flood? Share in the comments!

Article by Patti Tokar Canton

Sources for this article and for further information:








https:// www.dashboard-light.com/how-to-repair-a-flooded-car/

http:// denver.cbslocal.com/2015/06/25/flooding-can-cause-hidden-damage-to-cars-that-shows-up-down-the-road/

http:// knowhow.napaonline.com/car-flood-damage-repair-is-it-possible/

Furniture and Clothing – NonCash Donations as a Tax Deduction

Wondering if it would help your Federal tax return to take a deduction for the clothing your donated?

The Fat Dollar article – Clothing and Furniture Donations on Your Tax Return was just updated and has links to Goodwill and Salvation Army valuation pages as well as useful information and IRS links. Click the link to see the article.

What better way to get a tax deduction than by cleaning out your own closets!

Junk That’s Really Treasures – Your Stuff May be Worth Money


Treasure ChestOk, maybe your old stuff isn’t worth a fortune, but it could be worth more than you expect. While I was clearing out some of my own clutter, I happened across a 2012 Woman’s Day magazine. (Yes, I did say I was clearing clutter.)

An article in the magazine intrigued me. It listed several items that “could fetch big bucks on places like eBay”. Hmmm.

Here are the things that were listed as possibly valuable items hiding in your home:

1. Small kitchen appliances – like bread machines, food dehydrators, espresso machines

2. Video Games – check gazelle.com

3. Tacky Sweaters – sweaters decorated with things like pictures, holiday themes, cats – the ones that Aunt Gertrude gave you that you would never, ever wear

4. 1950s Furniture

5. Vintage Electronics – pre-1980s stereo and hi-fi equipment – LP turntables, reel-to-reel tape decks, vacuum tube amplifiers, etc.

6. Lunchpails – vintage lunchboxes with TV show or celebrity images

7. Gold – old chains, earrings, broken bracelets

I’m on the lookout for tacky sweaters now. Did you know that you can search “tacky sweater” on e-Bay and a whole list of them will come up? It looks like you could sell one for at least $9.99. Not bad for something that you would love to get rid of!

Video games, I’m not so sure about. It must depend on the game. We’ve tried to sell some of our own games and sometimes the best offer was $1.00 per game. Sometimes it was $10.00.


Here are some other resources for finding potentially valuable items in your attic:


The Penny Hoarder – 7 Places to Find Hidden Cash .

Huffington Post – 15 Items in Your Home that May be Worth Money

Reader’s Digest – 9 Vintage Items That May be Worth Money

Mashable – 9 Valuable Things You Didn’t Know are Lying Around Your House

Cracked – 8 Insanely Valuable Items You Probably Owned and Threw Out

The Children’s Toys That Have Soared in Value

Bottom Line Personal – Don’t Throw Out These Old Electronics

BuzzFeed – 33 of your Childhood Toys that are Worth a Fortune Now


How to Sell Your Old Stuff

Once you find any collectible or valuable items in your home, selling them is the next step.  You can reach a broad market by selling on the internet. While selling your item on eBay is  a good way to consider, you should always first Google your item or do an internet search for your item to see if there are any collectors or specialized sites that might be easier and more profitable for selling your particular item.

One relatively new way to sell things on the internet is Facebook. Try searching “garage sale” and your city name on Facebook and you will likely be amazed at how many buy-sell-trade pages are operating in your area.

In my area the general procedure to sell something on Facebook is to first join the Facebook group for the online garage sale.  Then, following the rules of the group, post the item for sale with a photo and description.  The first person to comment that they are interested or want to buy must be given the opportunity to purchase.  Once the sale is agreed, then a public place is set for meeting and completing the sale.  If you break any of the rules of the group, then you are likely to be banned from the group

This is a good way to sell larger value items, but not necessarily items that will not sell for very much, especially since you will have to take the time and spend the gas money to drive somewhere and meet a prospective buyer.

Certainly you can also use the traditional ways to sell:  letting others in your circles know you have a unique item for sale, advertising in local papers and newsletters, and placing an ad on craigslist.org.

A last resort would be a local pawn shop.  While you can quickly sell most moderately valuable items to a pawn shop, expect to sell for  much less than you would receive if you sold it yourself.

Finding treasures in your home and selling them has so many benefits:  it clears out items from your living space, it puts an item into the hands of someone who really values it, and it gives you some money for investing or paying bills.  Now that’s the Fat Dollar way!

Be sure and share with us any of your own found treasure stories!


Photo credit: freedigitalphotos.net & Stoonn

Review Your Regular Bills for Hidden Savings

Paying BillsNow is a good time to review your regular bills. Make a list of the bills that are paid regularly, such as electric and gas bills, internet and TV, cell phone, trash service, home and auto insurance, etc.

Start with the monthly bills and select one. Review every line item on the bill. Do you understand everything that you are being charged for? Are there items on the bill that you don’t need or use anymore? Are you being charged to rent a piece of equipment that you don’t have anymore?

For internet, TV service, and other similar bills, if you have had the same service package for a year or more, call the customer service center and ask if there are any discounts or different packages that may be available.

I recently called my internet and cable TV service and found that we were eligible for a free upgrade to a much faster internet service. The customer service rep did the upgrade while I was still on the phone. While that call didn’t save any monthly money, I felt it was a very worthwhile call. I am thrilled with the faster internet speed. As well, she gave me another number to call because it appeared that we were also eligible for a lower-cost package. I’ll be calling that number soon!

Go through each of your regular bills one by one, slowly and in detail. If you find a charge that should not be there, make the call or send the email and get the process started to get it eliminated. While it may only be a few dollars of savings, keep in mind that a few dollars each month adds up. Saving $5.00 a month is a savings of $60.00 a year. What would you do if someone handed you $60.00 at the end of each year?

Credit card bills should be reviewed each and every month as they arrive. Did you sign up for a monthly “club” that you haven’t used in 3 months, but are still getting a $19.99/month charge? Did a company accidentally double bill you for something? Are there charges you don’t recognize? Even a $.25 charge that you didn’t authorize should be investigated. It may be a test charge by a card thief to see if the card is good as well as to see if they are able to make undetected charges on your account.

A periodic review of your regular bills helps to prevent money being completely wasted on services or items that you no longer use or need.

Even better, as soon as you discover and remove an unnecessary charge, set up an automatic monthly transfer of that amount to your savings account. You won’t miss the money and your savings account will start growing effortlessly.

Take a look at The Fat Dollar’s post on Automatic Investing for more ideas on increasing your regular savings.

Photo courtesy of freedigitalphotos.net and patpitchaya.

Low Cost Home Heating Ideas

We’re snowed in today, at least until we can get the driveway plowed and get the vehicles out.   We had a beautiful, dangerous blizzard yesterday.  Today and tomorrow we are under a wind-chill warning.  It’s good to be inside and I am grateful to have electricity and an internet connection.  (And a working boiler.)

Woman wrapped in blanket and drinking coffee for home heatingWhile doing a bit of research, I came across several plans for inexpensive or low cost home heating.  I haven’t tried any of these, but I’m considering it.  You’ll have to make your own judgements about the safety and effectiveness of these.  If anyone has tried these or something similar, it would be wonderful if you would share your experience in the comments.

1)  Build a Solar Air Heating Collector from Soda-Pop Cans:

Greg’s Pop-Can Solar Space Heating Collector

This is not only inexpensive – you use empty soda cans as well as old double paned windows and other found materials – but it looks much nicer than would be expected.  It is somewhat labor intensive as you will need to drill or cut out the ends of each and every pop can.

2)  Mother Earth News – Solar Heat Grabber

DIY Solar Heating with the Heat Grabber

This one claims to cost $32.18 to build, but keep in mind that the article is older so prices are likely higher now.  The unit fits next to a window and is not exactly attractive.  The article has very good information about how to place the unit and what angles and placements are most effective.

3)  Tea Light and Flowerpot Room Heater

No, this is not a joke.  The author claims that this heater will heat a room for about $.15 a day.

[04-01-18 Editor note – this video seems to be changed or removed from You Tube – I removed the broken link!] You Tube Video – How to Heat Your Room for 15 Cents a Day

This one seems like it could be a bit dangerous if you have small children, pets, or if you are a bit clumsy.  It uses small candle flames to create a convection heater.

4)  Electric Heater with a Battery and Ceramic Plate

This one takes some electric wiring knowledge, but that fact that it uses a 1.5v dry cell battery fascinated me.  If you could find a rechargeable battery, this could be a good emergency or portable source of heat.   I don’t know how safe it may be – best to check with the electrician in the family.

How to Build an Electric Heater

5)  Solar Heat Panel

Another Mother Earth News article about building a solar panel – this one was designed to add heat to a garage or work shop.

Build a Simple Solar Heater

The designer of this unit is an engineer that wanted to heat his outdoor workshop.

There you are.  5 Ideas for creating low cost home heating from the sun, a battery, or a candle.  If you try any of them, please let us know how it worked and how much it cost.

I have one more idea for staying warm when then temperature outside is -15 degrees F.  Wear thermal sock liners.   They are worn underneath your regular socks.

I bought a pair from Amazon.com to give to my son this Christmas, but when they arrived, they were sparkly silver, thin, and knee-high. Seeing no way he would wear them, I kept them for myself.  Wow!  They are so effective that I am completely warm and comfortable which is a big change for me.   Don’t tell my son … he may want them after all!


photo courtesy of Freedigitalphotos.net and marin





Merry Christmas!

Merry Christmas to all of our friends!

Christmas Tree with presents
























May you have a joyful, peaceful, and happy holiday.


From The Fat Dollar











Visit US National Parks – Free Admission Days

Tent on lake

One of my family’s yearly summer activities was camping.  My dad was a big fan of tent camping – he believed that camping out in an RV, such as a travel trailer or camper, was not really camping.  We visited nearly every state park in Indiana.  Or did we end up visiting all of them?  I don’t remember.  I’ll have to ask my Dad! It was one of his personal goals to visit them all.

My aunt, on the other hand, was a firm believer in camping out in a camper.  She had a truck and a fifth wheel camper and she traveled all over the US, and even ventured into Canada, for her camping excursions.  On several lucky occasions, she invited me to go along with her and her daughter, Toni.  My grandma went, too, on at least one trip. My cousin Toni, a couple of years older than me, was always thrilled to share the experience with me and we headed straight for the park’s stables to ride the horses as often as possible. We even had a song about riding horses that we made up that we sang as we walked the trails to the stables.

Those camping days are some of my best childhood memories.  Unlike my Dad, I loved both tent camping and RV camping.  Either way there was a crackling  campfire and a table for playing cards and eating outdoor cooked meals.  There was clear, clean air that was filled with the essence of lakes, grasses, leaves, flowers, and adventure. There were camping neighbors with guitars and stories.  Best of all, there was the beautiful expanse of woods, creeks, lakes, hiking trails, bicycle paths, and fascinating bugs, birds, and animals.

We did have a raccoon that terrorized our camping site one year, but that is another story.

I encourage you to experience this on your own or with your family, especially if you have kids.  If you already own camping gear or can borrow it, the cost is very low.

 National Parks Free Admission Days

This is short notice, Waterfall and forestbut if you have wanted to visit a National Park, there are free admission days coming up November 9 – 11 (2013).

For more information visit the US National Park Service Site.

The savings will vary, since entrance fees will vary by park.  For example, the entrance fee to the Grand Canyon National Park is $25.00 for a vehicle  or $12.00 for an individual on foot, motorcycle, or bicycle.  Yellowstone National Park has similar fees, although the motorcycle entrance fee is $20.00 instead of $12.00.  In Michigan, the Sleeping Bear Dunes National Lakeshore entrance fee is $10.00 per vehicle or $5.00 per adult on foot.

In addition,  268 of the 401 National Parks do not charge an admission fee, so you can visit these parks anytime for little or no cost.

Note that you will still pay any camping fees or other regular fees during the free admission days.

List of National Parks that Offer Free Admission Days

A list of all the National Parks that are eligible for the national parks free admission days as well as the regular park entrance fees can be seen at the National Parks Blog.

You can also see a list of participating parks for the free entrance days at the nps.gov site – Free Entrance Days – Participating Parks by State

Complete list of all National Parks

Here is a link to a complete list of all the National Parks.   I was not able to find a list of all of the parks that do not have a regular entrance fee, but you should be able to find information on any national parks that interest you by starting there.

Free admission days are offered every year by published schedule.  Just check the above links for the new schedule.

Activities at the National Parks

You can download a free guide to the National Parks. 

Besides being an awesome photo opportunity, the parks offer hiking, boating, kayak tours, nature lessons, historic sites and tours, festivals, concerts, railroad train rides, apple picking, and of course, camping.

Here is a link to a list of some of the activities offered at various parks.

If you like the experience, an annual National Park pass is a bargain at $80.00.  This pass is free for US military members and their dependent families.

US citizens age 62 or over can get a lifetime pass for $10.00.  ($20.00 if ordered by mail.)

Whether free or at a reduced price, a visit to a state or national park is a rich experience that makes for lifetime memories.

The gorgeous photos are courtesy of freedigitalphotos.net and photographers wiangya and prozac1.


Simple Secrets for Money Management

Learning to manage your money can be the difference between a life a struggle and a life of ease.  Learning money management is not complicated.

Here are some secrets for a life of financial strength from Northwestern Mutual Chairman and CEO John Schlifske that he shared with a group of students from St. Louis University:

1.  Don’t try to beat the stock market.  Just make sound investments.

2.  Do not borrow money to fund a lifestyle you can’t afford.

3.  Learn to live below your means – in other words, live on less than you earn.

4.  Always put aside an amount in savings.

5.  Although it’s not as “sexy” to drive a car that might not be as nice as your neighbor’s, in the long run you will have a much better life if you can learn to live within your means.

John also says that being in a position of having to worry about being able to pay your debts makes you lose options in life, limits your freedom to easily change jobs, and even limits your ability to have the funds to take advantage of investment opportunities.

Thumbs up from The Fat Dollar!  We’re here to help you learn to live well on the dollars you earn.

Energy Saving Tips and an Energy Savings Kit

My electric utility company, AEP Indiana Michigan Power company, just sent me a box of energy saving items and energy saving tips!
AEP Free Energy Kit 2013-08-26 009I received

4 Compact Fluorescent Light (CFL) bulbs

3 faucet aerators

2 low-flow shower heads

a thermometer card for the refrigerator and freezer

a hot water temperature card.


You can see my kit in the photo.

Thanks! I know I will use the CFL bulbs. I’ve already replaced our porch light with one of the bulbs in the kit.

Energy Savings with CFL Bulbs

Compared to an incandescent bulb, a CFL bulb will use up to 75% less electricity, last up to 6 times longer, and save about $6.00 a year in electric costs.*


I got 4 CFL bulbs, so that’s like getting $24.00 in the mail.  Wait.  That’s just one year’s worth of savings. That’s $24.00 for each year that the bulb replaces an incandescent bulb.  Not bad.

Energy Savings with Low-Flow Showerheads and Aerators

Switching to one low-flow showerhead and one faucet aerator, can reduce hot water usage by 4,200 gallons per year per family. **


According to EnergyStar.gov, that’s a savings of about $145.00 per year if you have an electric water heater.

Energy Savings with Refrigerator Temperature Setting

The refrigerator and freezer thermometer cards are credit card sized and are designed to be placed in the refrigerator or freezer to take a temperature reading.

Good thing I got the thermometer card.  I discovered that my refrigerator is running a couple of degrees too warm.  I turned the refrigerator control from “4” to “5” and I’ll test it again.  Hopefully it will be within the acceptable temperature range of 36 – 40 degrees F.

While letting the temperature in the refrigerator run too warm can invite food spoilage, letting the temperature run too cold can waste energy.

Mr Electricity  says a refrigerator set too cold by 10 degrees can use up to 20-25% more energy.


Energy Savings with Hot Water Heater Temperature Setting

I haven’t used the hot water temperature card yet.  It is designed to be placed in a cup of your hottest tap water.  The card will tell you if the water heater temperature is set too high.

According to Energy.gov, lowering the temperature of the hot water heater by 10% creates a yearly energy savings of 3-5%.

Ideally, your hot water heater should be set between 110 degrees and 125 degrees F.

Maybe You Can Get Your Own Energy Kit – Here’s How

To receive the energy saving kit, I took an online energy assessment of my home.  I received a checklist of ways to reduce energy costs as well as the kit.  I live in a 110 (or is it 115?) year old farm house, so I appreciate energy savings.

If you are an AEP Indiana Michigan Power customer, you may also be eligible for the kit.  Take a look www.indianamichiganpower.com/ go/checkup.

I found a few other utility companies offering an energy savings kit.

Some seem similar to the one I received:

Ohio  – Ohio Edison, The Illuminating Company and Toledo Edison – www.ohioenergykit.com


This is just a small sampling of the utility companies offering some sort of energy savings kits.

Your Utility Company May Offer Rebates or Incentives for Energy Savings

In addition, many utility companies are offering rebates, coupons and incentives for purchasing or installing energy efficient appliances, such as refrigerators, stoves, air conditioning units, and furnaces.

If you are doing anything that might be considered an energy saving improvement, or purchasing any appliances, log onto your own utility company’s website and see what rebates and programs they have available.

Have you received any rebates or energy saving incentives from your utility company?  How are you saving energy?

Even small changes, such as switching types of light bulbs, can add up to worthwhile savings, even hundreds of dollars a year. Taking a few minutes to make a small change, such as trading an incandescent bulb to a CFL bulb, lowering your hot water temperature, lowering the settings on your refrigeratro, can create savings that continue adding up for years.

Even better, it helps us all to become a little less dependent on energy and gives some relief to the demands that we make on the sometimes overburdened grid.

Now that’s the Fat Dollar way!



*Source –  www.EnergyStar.gov – Light Bulbs

** Source Minnesota CenterPoint Energy

Mr Electricity – http://michaelbluejay.com/electricity/





Is That a Counterfeit Coupon?

Could it be a counterfeit coupon?Have you ever seen a coupon offered on the web or as an attachment to an email that seemed to good to be true?

I learned a hard lesson about counterfeit coupons several years ago.  I don’t recall the source of the coupon,  but I had printed an internet coupon good for a free rental at Blockbuster Video.  It did not even occur to me that the coupon might be a fraud.

My then teenaged son and his girlfriend were going to Blockbuster to pick out some movies to watch.  I suddenly felt generous.  “Here,”  I said, “you can have my coupon.  Get yourself a free movie rental.”  They were thrilled.

They were not so thrilled when they tried to rent the movie with my coupon.  The coupon was rejected.  To make matters worse, the manager pulled them aside and accused them of creating the coupon themselves and trying to commit fraud at the store.  He even mentioned that he should call the police.

They were shaken.  I was mortified.  I still cringe when I think of it.

Since then, I have been overly cautious about printing coupons from the internet.   For the most part, I only print coupons from trusted sites like SmartSource.com , ValPak.com and CoolSavings.com, as well as directly from a product’s company website, such as BirdsEye.com or Purina.com.

How do you know if a coupon is counterfeit or legitimate?

There is a website, that if I had know about it back then, might have shown me that the coupon I had was a fraud.  The site is the CouponInformation Center.com.

Try visiting the Coupon Information Center and looking up your coupon. If it is listed on the list at the Coupon Information Center www.couponinformationcenter.com then you can save yourself a dose of mortification and throw it away.

Or better yet, if you report the source of your counterfeit coupon to the Coupon Information Center (CIC) and your tip leads to the prosecution of the coupon counterfeiters, you just might be eligible for a $2500.00 reward.  (Details on the CIC website.)

Imagine that.  $2500.00.

Currently, the site is listing, among others, these counterfeit coupons:

  • Campbell Soup, Pepperidge Farm $4.50 coupon
  • PepsiCo, Quaker, $2.00 coupon
  • PepsiCo, Starbucks, $2.00 coupon
  • PepsiCo, Pepsi, $5.00 coupon
  • Nestle, Digiorno, $6.75 coupon
  • Nestle, Haagen-Daz, one Free
  • and at least a few hundred more

Each counterfeit coupon listing has a Download PSA listing with a picture and description of the counterfeit coupon plus information on their (up to) $2500 reward system for helping to find and prosecute the person producing the coupon.

So if you get a coupon that seems to good to be true, first visit the Coupon Information Center site and see if they have it listed. If they do have it listed as a counterfeit, consider reporting the source of your coupon to the CIC.  Then toss the coupon.

If the coupon is not listed, you still can’t be sure it is legitimate.  To try to verify it, try visiting the product’s website to see if your coupon is being offered there.  You might also try visiting some of the major coupon distributing sites to see if they are offering the coupon.  You can even try googling it to see what you can unearth on it.

If you still are unable to verify the coupon, I would contact the product’s company customer service center and ask them if your coupon is legitimate.

I would not take any chances on a questionable coupon that you cannot verify.  Tossing it could save you from some extreme embarrassment.

How about you?  Have you ever come across a counterfeit coupon?


Related blog posts and articles:

Saving Money with Printed and Online Coupons