Excerpted from IRS: There’s still time to claim tax rebate (USATODAY.com):

WASHINGTON (AP) — The government on Friday sent out the last of the economic stimulus checks for people who filed tax returns before April 15.

But the Internal Revenue Service stressed that it’s not too late for those who haven’t yet filed returns to benefit from the payments.

The tax agency said it will continue processing tax returns and issuing stimulus checks for much of the year. In particular, it is urging some 5 million Social Security recipients and veterans who don’t normally need to file returns to do so this year so they can qualify for checks.

It urged this group, and people who received extensions for filing, to file by October 15 to ensure they receive a payment before the end of the year.

IRS: There’s still time to claim tax rebate - USATODAY.com.

Not sure what to do with all the digital photos you’ve got stored on your hard drive? Here are three sites that can help you free up some storage space and stimulate your creativity:

1. New member offer: Get 50 FREE Digital Prints and a FREE Photo Collage Poster at Snapfish.
   (exp. 7/31) (Thanks, Becky)
   Plus, get free shipping on any 4″x6″ order with coupon code “HPFREESHIP778″–valid for new and existing customers (limit one per account).
2. New member offer: Get 50 free 4×6 prints and an 11×14 Collage Poster when you join Shutterfly. (exp. 12/31)
3. Check out PhotoJojo.com (particularly their newsletter archive).

Excerpted from their newsletter subscription page:

You probably own a digital camera and you’ve probably taken a bajillion photos with it. You may have printed a few.

Well, it turns out there’s a whole world of things you can do with your photos and with your camera that nobody ever told you about. We find the most kick-ass photo tips, DIY projects, and gear and bring them to you.

Turn a photo into a mural at home in 5 minutes, print your friends’ faces onto cupcakes, or get a bottlecap that turns any soda bottle into a tripod… subscribe and we’ll show you how.

It’s all free, we never spam, and we make it easy to unsubscribe if you change your mind. What have you got to lose?

Two new businesses are now listed on our Business Exchange page: SuddenValues.com and a handmade jewelry business.

To list your business on this page for free, send me the particulars. The only requirement is that you must offer people who mention BargainChaser.com at least a 10% discount.

Additional 10% off our (already low) annual marketing service fee…includes a FULL YEAR of SuddenValues website advertising, weekly distribution of coupons/offers AND development of an internal eMail program for better customer retention. Only $1,345 (reg. $1,495) when you mention BargainChaser.com. (Retail merchants only, please)

Chuck Boteler
centralmd.suddenvalues.com
Phone: (301) 846-4420
“Just Click, Print and Save!”

Check out my handmade jewelry on www.pamlita11.etsy.com

Etsy is a website selling all handcrafted items.

If you mention that you’re a subscriber of Bargain Chaser, I’ll give you a 10% discount off of any item in my shop. Please note that the 10% discount does not include shipping costs or items that are already on sale in my shop.

~Pam Stultz

I’ve noticed lately that I’m starting to look for reasons to “swing by” Giant Eagle, even though I live in Middletown and have a perfectly good Safeway (with an in-store Starbucks) less than 2 minutes from my house. Why? Fuelperks, of course. Once you’ve filled up with your first free tank of gas, you’ll be hooked, too.

Here’s how Fuelperks work:

For every $50 you spend at Giant Eagle with your Giant Eagle Advantage Card, you earn a 10¢-off-per-gallon Fuelperks discount. (For the past couple of months, it’s been 20¢.) They keep track of what you spend, so you don’t have to spend in increments of $50.

In addition to earning Fuelperks on groceries, you can also earn them on:

• Gift Cards from retailers and restaurants (TIP: If you need to buy something from one of the merchants for which Giant Eagle sells gift cards, buy a gift card first. This is the fastest way to earn Fuelperks.)
• Out-of-pocket pharmacy purchases.
• Services from their Dress for Success cleaners.
• Inside the store at GetGo (where you redeem your Fuelperks).
• Purchases and rentals at Iggle Video.
• Photo service purchases.

You can redeem Fuelperks at two local GetGo gas stations: 1700 West 7th & 1000 West Patrick. Just scan your Giant Eagle Advantage Card at the pump, and your discount will be applied.

Two more incentives to shop at Giant Eagle (at least for some things):

• Free babysitting for kids 3-9 while you shop.
• eOffers: Have Giant Eagle coupons electronically attached to your Giant Eagle Advantage Card. First, you’ll need to register your Giant Eagle Advantage Card on GiantEagle.com. Then, you’ll need to load the coupons you want before going to the store. The coupons you’ve loaded will be redeemed automatically when you cash out.

Excerpted from “Goal for Retirement Saving Rises,” by Christine Dugas for USA TODAY:

With medical care and other costs soaring, the portion of their pre-retirement pay that Americans will need in retirement to keep the same standard of living is rising, financial planners say.

For years, a common projection was that workers needed to replace 70% to 90% of their pre-retirement pay to maintain the same living standard in retirement. But now, as medical costs grow, life spans lengthen and fewer retirees receive pensions, financial planners say you’ll need more.

Hewitt Associates is more pessimistic than most. New research that the consulting firm plans to release Tuesday projects that workers will need to replace, on average, 126% of their final pay in retirement. The study, based on 1.8 million employees with 401(k) plans that Hewitt administers, says only 19% of participants are on track to meet their retirement needs. About 67% of workers are expected to have less than 80% of their projected needs.

Sheryl Garrett, founder of the Garrett Planning Network, agrees that typical retirement replacement guidelines “just don’t go far enough when you factor in the huge health care responsibility that is shifting from the employer’s shoulders to ours at retirement.”

“Almost everybody needs to be saving much more for retirement,” Garrett says.

Goal for retirement saving rises - USATODAY.com.

Excerpted from “Cars That Can Change Lives” (Frederick News-Post):

Cindy Freeman, director of workforce development at Goodwill Industries of Monocacy Valley, said the organization is partnering with the nonprofit Vehicles for Change to help more low-income area residents afford vehicles.

Goodwill’s board raised money to recondition 24 cars that will be sold through its Wheels to Work program. Goodwill hopes to sell about two cars every month starting in July.

Vehicles sell for an average $900 to $1,200.

Martin Schwartz, who runs Vehicles for Change, said the organization guarantees loans and participants make payments of about $100 a month.

“That way they’re able to establish credit at the same time they’re paying for the car,” he said.

Most applicants are single mothers with two or three children, making $25,000 or less annually, Schwartz said. In Frederick, applicants include women who have left abusive relationships.

The Frederick News-Post Online.