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「書中短短的真人真事, 串成一幅愛的圖畫, 讓我看到人間依然有情有愛。」(一讀者)本書由中信出版, 不到一年已印第九版,可在 ccmbookroom.org 訂購

 

   


請注意﹕  

自從1998年本人每天都花起碼3個小時回答所有電郵的提問,但自幾個月前,由於本人在北加州「角聲」的事工(包括新創立的「角聲生命面包」福音企業)極其繁忙,每天工作時間長達10多小時,暫時無法回覆全部電郵,只能選答極少量比較簡單和緊急的電郵,敬請見諒。

 我繼續每個星期主持四個現場的電台財務問答節目,閣下可在以下時間收聽,並致電詢問財務問題﹕

(1) 逢星期二太平洋時間早上7時至8(紐約時間早上10-11),可在紐約AM1480電台或http://www.nyam1480.com/網站收聽「理財天地」問答節目。

(2) 逢星期三晚上太平洋時間八8時至10時,可在三藩市AM 1450電台或在 www.kestradio.com 網址即時收聽「生財有道」理財問答節目,直播室熱線電話號碼是415-431-8255,傳真號碼是1-415-946-3377

(3)逢星期二及四下午太平洋時間4時至5時,可在三藩市AM 1400電台收聽本人為「星島中文電台」主持的「生財有道」問答節目,可在http://www.chineseradio.com/ 即時收聽,熱線電話是650-808-8000

(4)逢星期四晚上太平洋時間八至十時,可在洛杉機AM1430電台或 www.am1430.net  網站即時收聽「理財天地」問答節目,直播室熱線電話號碼是520-1430(洛杉機聽眾)323-520-1430,傳真號碼是626-844-2928


請注意

由今年開始,向美國財政部申報海外帳戶不能再用TD-F 90-22.1表格,而必須上網(http://bsaefiling.fincen.treas.gov/main.html)填寫CEN 114表格,請在海外有一萬美元或以上的美國納稅人,務必在6月底之前申報。


50歲或以上可享受的折扣優惠

 

以下是各大餐廳、商店、航空公司等機構給予「長者」(有些機構50歲已經當是長者)的折扣優惠,但請記得,你必須要開口要求他們才會給你:

 

RESTAURANTS:

Applebee's:            15% off with Golden Apple Card (60+)

Arby's:                   10% off (55+)
Ben & Jerry's:         10% off (60+)

Bennigan's:             Discount varies by location (60+)

Bob's Big Boy:        Discount varies by location (60+)

Boston Market:       10% off (65+)

Burger King:            10% off (60+)
Chick-Fil-A:             10% off or free small drink or coffee (55+)
Chili's:                    10% off (55+)

CiCi's Pizza:            10% off (60+)
Denny's:                 10% off, 20% off for AARP members (55 +)
Dunkin' Donuts:       10% off or free coffee (55+)
Einstein's Bagels:    10% off baker's dozen of bagels (60+)
Fuddrucker's:          10% off any senior platter ( 55+)
Gatti's Pizza:           10% off (60+)

Golden Corral:        10% off (60+)
Hardee's:                $0.33 beverages everyday (65+)
IHOP:                    10% off (55+)

Jack in the Box:       Up to 20% off (55+)
KFC:                       Free small drink with any meal (55+)
Krispy Kreme:         10% off (50+)
Long John Silver's:  Various discounts at locations (55+)
McDonald's:            Discounts on coffee everyday (55+)
Mrs. Fields:             10% off at participating locations (60+)

Shoney's:               10% off
Sonic:                    10% off or free beverage (60+)
Steak 'n Shake:      10% off every Monday & Tuesday (50+)

Subway:                10% off (60+)
Sweet Tomatoes:   10% off (62+)
Taco Bell :              5% off; free beverages for seniors (65+)
TCBY:                   10% off (55+)
Tea Room Cafe:    10% off (50+)
Village Inn:            10% off (60+)
Waffle House:       10% off every Monday (60+)
Wendy's:              10% off (55 +)
Whataburger:        10% off (62+)
White Castle :        10% off (62+)

RETAIL & APPAREL:
Banana Republic:    30% off (50+)
Bealls:                   20% off first Tuesday of each month (50+)
Belk's:                   15% off first Tuesday of every month (55+)
Big Lots:                30% off
Bon-Ton Dept        15 % off on senior discount days (55 +)
C.J. Banks:           10% off every Wednesday (50+)
Clarks :                 10% off (62+)
Dress Barn:           20% off (55+)
Goodwill:              10% off one day a week (date varies by location)
Hallmark:              10% off one day a week (date varies by location)
Kmart:                  40% off (Wednesdays only) (50+)
Kohl's:                  15% off (60+)

Modell's Sporting Goods:  30% off

Rite Aid:               10% off on Tuesdays & 10% off prescriptions
Ross Stores:        10% off every Tuesday (55+)

The Salvation Army Thrift Stores:  Up to 50% off (55+)
Stein Mart:           20% off red dot/clearance items first Monday of every month (55 +)

GROCERY:
Albertson's:                       10% off first Wednesday of each month (55 +)
American Discount Stores: 10% off every Monday (50 +)
Compare Foods Supermarket:  10% off every Wednesday (60+)
DeCicco Family Markets:      5% off every Wednesday (60+)
Food Lion:                          60% off every Monday (60+)
Fry's Supermarket:            Free Fry's VIP Club Membership & 10% off every Monday (55 +)

Great Valu Food Store:      5% off every Tuesday (60+)
Gristedes Supermarket:     10% off every Tuesday (60+)
Harris Teeter:                    5% off every Tuesday (60+)
Hy-Vee:                            5% off one day a week (date varies by location)
Kroger:                            10% off (date varies by location)
Morton Williams Supermarket:   5% off every Tuesday (60+)
The Plant Shed:               10% off every Tuesday (50 +)
Publix:                             15% off every Wednesday ( 55 +)
Rogers  Markelace:          5% off every Thursday (60+)
Uncle Guiseppe's Marketplace:  15% off (62+)

TRAVEL:
Airlines:
Alaska Airlines:               50% off (65+)
American Airlines:           Various discounts for 50% off non-peak periods (Tuesdays - Thursdays) (62+) and up (call before booking for discount)
Continental Airlines:        No initiation fee for Continental Presidents Club & special fares for select destinations
Southwest Airlines:          Various discounts for ages 65 and up (call before booking for discount)
United Airlines:                 Various discounts for ages 65 and up (call before booking for discount)
U.S. Airways:                    Various discounts for ages 65 and up (call before booking for discount)


Rail:  Amtrak:                  15% off (62+)
Bus:  Greyhound:           15% off (62+)  Trailways Transportation System: various discounts for ages 50+

Car Rental:
Alamo Car Rental:           Up to 25% off for AARP members
Avis:                               Up to 25% off for AARP members
Budget Rental Cars:       40% off; up to 50% off for AARP membe rs (50+)
Dollar Rent-A-Car:         10% off (50+)

Enterprise Rent-A-Car:  5% off for AARP members

Hertz:                            Up to 25% off for AARP members
National Rent-A-Car:      Up to 30% off for AARP members

Overnight Accommodations:
Holiday Inn:                     20-40% off depending on location (62+)
Best Western:                40% off (55+)
Cambria Suites:            20%-30% off (60+)
Waldorf Astoria - NYC: $5,000 off nightly rate for Presidential Suite (55 +)
Clarion Motels:              20%-30% off (60+)
Comfort Inn:                   20%-30% off (60+)
Comfort Suites:             20%-30% off (60+)
Econo Lodge:               40% off (60+)
Hampton Inns & Suites: 40% off when booked 72 hours in advance
Hyatt Hotels:                  25%-50% off (62+)
InterContinental Hotels Group:  Various discounts at all hotels (65+)
Mainstay Suites:          10% off with Mature Traveler's Discount (50+); 20%-30% off (60+)
Marriott Hotels:             25% off (62+)
Motel 6:                         Stay Free Sunday nights (60+)
Myrtle Beach Resort:   30% off (55 +)
Quality Inn:                    40%-50% off (60+)
Rodeway Inn:                20%-30% off (60+)
Sleep Inn:                      40% off (60+)

ACTIVITIES & ENTERTAINMENT:
AMC Theaters:                          Up to 30% off (55 +)
Bally Total Fitness:                    $100 off memberships (62+)
Busch Gardens Tampa, FL:     $13 off one-day tickets (50 +)
Carmike Cinemas:                    35% off (65+)
Cinemark/Century Theaters:    Up to 35% off
Massage Envy - NYC:               20% off all "Happy Endings" (62 +)
U.S. National Parks:                  $10 lifetime pass; 50% off additional services including camping (62+)
Regal Cinemas:                         50% off Ripley's Believe it or Not: @ off one-day ticket (55 +)
SeaWorld, Orlando , FL :          $3 off one-day tickets (50 +)

CELL PHONE DISCOUNTS:
AT&T:                          Special Senior Nation 200 Plan $19.99/month (65+)
Jitterbug:                     $10/month cell phone service (50 +)
Verizon Wireless:       Verizon Nationwide 65 Plus Plan $29.99/month (65+).

MISCELLANEOUS:
Great Clips:      $8 off hair cuts (60+)
Supercuts:        $8 off haircuts (60+)


亞市華人遭搶 大家齊防

by 薛永康/洛杉磯

來源:世界日報

最近亞凱迪亞市 (Arcadia)再次發生歹徒入室搶劫案(Home Invasion),還好屋主三人伺機跳窗逃生,除了雙腿受傷,身體未遭受重大傷害。財物的損失不談,對被害人心理上造成的恐懼和不安可想而知。這種入室搶劫案可以預防嗎?

搬家或售屋不是辦法,因為這種罪案在任何房價高昂的社區都可能發生。再者,據近日洛杉磯時報報導,由於監獄人滿為患,除了重罪,有些受刑人只需服三分之一刑期或更短便提早獲釋放,縮短的刑期助長了歹徒再犯罪的誘因。另外,歹徒對華人家埵s放大量現金、貴重手飾的習慣早有所聞,華人居民眾多的地區依然是不肖之徒覬覦的對象。

一位近期因退休而出售亞凱迪亞市大屋的老友談如何防範,方法如下:

1
)財不露白:當園丁來割草時,把窗簾拉起。熟識的園丁可能帶來新手,會窺視你的屋內。不要僱用在路邊求職的工人,家堶n修補找可靠的熟識工人。

2
)謝絕估價:不請自來,給免費估價修房子或洗地毯,一律謝絕。據英文媒體報導,美國獨居老人深受其害,歹徒一人進前屋,一人鑽進後屋順手牽羊;或是在做完他們的估價「市場調查」後,再找機會進屋進行偷竊。

3)
養狗看屋:請教專家,養一隻能看家,對家堨恕p安全的狗。門上掛上「有狗看屋」的警示牌;狗的吠聲有警示作用外,對闖入的盜徒也有抵制作用。

4
)敦親睦鄰:左鄰右舍的電話號碼都應知道,守望相助,有可疑人物立即報警。出遠門前請鄰居除代拿信件報紙外,地上和門把上的廣告也需拿下,不要給歹徒闖空門的機會。

5
)組織巡邏隊:三或四人一組,帶手機及警笛、木棒輪流巡視社區。除了防止宵小,也是一個與鄰居熟識、步行鍛鍊身體的機會。不要佩槍,防止年前在佛州鄰居守望員誤殺無辜的悲劇重演。

6
)設置警報系統,用保全公司。保全公司在院子上的插牌也許會讓歹徒三思而行。

7
)即使全家都是上班族,有多餘車輛可停在門外,收音機也不妨整天開著。晚上出門室內開燈,可給歹徒一個家中有人的感覺。高大的樹也要定期修剪,不要給歹徒有藏匿的地方。

道高一尺,魔高一丈,宵小歹徒的確防不勝防,預防方法也不勝枚舉。但我們如能盡力而為,把該小心和注意的事項都做到,不要給歹徒製造機會,受害的機會自然減少,大家朝防賊方面多努力吧。

 

加州議會通過白卡財產追討限制

【大紀元20140827日訊】本週,一項限制對醫療白卡持有者財產追討權的法案在參眾兩院全票通過,已經遞交州長傑里·布朗。州長必須在930日之前簽署法案,或者將其否決。州長的預算顧問們一直建議他否決該法案,因為一旦該法案實施,加州每年將損失1,500萬美元的財政收入。

對於美國上百萬的低收入家庭來說,財產追討權變成了奧巴馬健保方案的一個問題。奧巴馬健保使得加州原先的醫療白卡(Medi-Cal)的申請範圍擴大,現在,沒有孩子的個人收入不超過政府指定貧窮線標準的138%即可申請醫療白卡,按照2013年的標準即:個人年收入不超過15,856美金,家庭年收入不超過21,403美金。

但是令許多屋主意想不到的是,申請加州醫療白卡還有一項隱藏的條款,如果申請人的年齡在55歲以上,州政府可以在其死後追討其財產,包括房屋來抵消其醫療開支。

1993年起,聯邦政府要求各州開始追討55歲以上的醫療白卡持有者的資產,以抵消長期醫護開支,各州可以自主選擇是否有必要針對其他的醫療開支同樣進行資產追討,加州選擇了追討。

不過這項新遞交給州長的法案雖然對資產追討權進行限制,但仍然允許州政府對白卡持有者長期入住養老院的高昂開支進行產追討。

加州健康部門的官員堅稱,資產追討權並不會對大部分白卡持有者造成任何影響。他們表示,資產追討的平均金額在15千美金左右。但是州參議員埃德·埃爾南德斯(Ed Hernandez說,針對資產追討權的限制法案可以減輕許多人的困難,如果法案簽署成功,死去的白卡持有者留給配偶的房產將不會被追討,並且白卡持有者可以知道自己的房產死後能夠抵消多少醫療開支。

埃爾南德斯表示,如果每年損失1,500萬的財政收入可以使那些需要申請醫療保護的人們不至於被嚇跑,這些錢是值得的。

帕洛阿圖(Palo Alto)的房地律師邁克爾·吉爾菲克斯(Michael Gilfix)表示,即使這項法案被否決,醫療白卡持有者仍可以通過房產規劃來避免自己死後房子被追討。但法案的倡導者認為,房產規劃的過程很昂貴,窮人恐怕難以負擔。

該法案週一(25日)在眾議院以78票對0票全票通過,週二(26日)在參議院以34票對0票全票通過,只待州長布朗的簽署。