What Money Can Buy...
Money can buy a house, but not a home.
Money can buy a bed, but not sleep.
Money can buy a health plan, but not good health.
Money can buy a wedding ring, but not love.
Money can buy a clock, but not time.
Money can buy an education, but not wisdom.
Money can buy jewelry, but not beauty.
Money can buy insurance, but not safety.
Money can buy a crucifix, but not a Savior.
Sleep (peace), love, time, wisdom, beauty, safety and a Savior are aspects of our spiritual life which is lived out in the community of saints at Hadwen Park Church. I wonder how much we have budgeted to support the ministries of wisdom, beauty, love and our Savior -- in relation to the money we have budgeted for our beds, wedding rings, clocks, education, jewelry, insurance and even religious accoutrements. Let us choose to be in prayer as the needs of the ministries of our church are many and we do need increased financial support.
1. Price Cap: If the market price goes down, your price will go down. If the market price rises, your price will not go any higher than the cap price.
2. Fixed Price: The gallon price is fixed for the term of the contract with no fluctuation either way in the price.
3. Pre-Buy: This requires payment for total gallons you wish to purchase in advance. General savings is about 10%, check with several oil companies for the best price on an advance purchase.
Heating heating oil consumers will not be the only ones affected by rising costs. If you heat your home with propane, natural gas or electricity. Now is the time to be preparing for this coming winter. To help protect from extreme increases in your monthly heating bill, consider a 10 month budget plan where your payments will remain the same each month.
This page was last updated on: November 14, 2009
Money Saver Energy Tips
Home heating oil prices have risen to levels never seen before. The home heating oil market is very volatile, currently home heating oil prices range between $2.19 to 2.44 per gallon.in the Central Massachusetts area.
Now is the time to be thinking about winter heating. This is the time to seek heating oil price protection. There are three ways to lock in your home heating oil price. All home heating oil companies only give these price cap programs during the Summer months to calculate their advanced oil supply purchase.
Energy Savers provides homeowners with tips for saving energy and money at home and on the road. By following just a few of the simple tips found on this Energy Savers Web site, you can make your home more comfortable and easier to heat and cool—while you save money. We bring you the latest information on energy-saving, efficient technologies. We even give tips for using clean, renewable energy to power your home.
ENERGY STAR is a joint program of the U.S. Environmental Protection Agency and the U.S. Department of Energy helping us all save money and protect the environment through energy efficient products and practices
MassSAVE is brought to you by your local electric and gas utilities and energy efficiency service providers and provides year-round home energy solutions to save you money, improve the energy performance of your home, reduce air pollution, and protect the environment.
The information and resources listed on this website is not an endorsement for any business, organization or services.
We are not responsible for the accuracy of the information and resources provided on this website.
Copyright 2009 - Hadwen Park Congregational Church, UCC
The information, graphics and photographs from this website may not be copied, archived or captured in any way aside from normal browser caching and printing in the course of using the site for intended purpose. Some photographs, website features are displayed here with written permission or by licensed contract.
HADWEN PARK CONGREGATIONAL CHURCH
United Church of Christ
6 Clover Street Worcester, MA 01603
Telephone: 508-752-7489
Sunday Worship Service - 10 AM
Serving Greater Worcester and Auburn, Massachusetts
How to Answer 23 of the Most Common Interview Questions
written by Paul Michael - Blog
A Guide to Benefits and Employment Services
in Massachsuetts
How to File for Unemployment Insurance Benefits
in Massachusetts
Career & Employment
Conversation & Energy
Home Foreclosure Information
New England Mortgage Relief Fund - Every day we hear more and more about families facing rising mortgage costs and the very real possibility of losing their homes. To help prevent that from happening, five banks in New England have partnered together - with the encouragement of the Federal Reserve Bank of Boston - to provide assistance to homeowners before the threat of foreclosure becomes a reality. Click Here For Information
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Insurance - Auto, Health, Life & More
Auto Insurance
Ways to save on your Automobile Insurance in Massachusetts.
COBRA
Understanding COBRA
A federal law requires companies to continue offering health coverage to employees who lose or leave their job. Here's how it works.
Get COBRA Coverage for Less - View Article Here
Health Insurance
We’re your connection to good health, Massachusetts!
The Health Connector is an independent state agency that helps you find the right health insurance plan. Learn More...
Life Insurance
SBLI - The Savings Bank Life Insurance Company of Massachusetts is committed to providing value, quality, and stability you can count on. SBLI has the largest amount of life insurance in force in the state of Massachusetts.
Credit Report & Credit Score
FREE CREDIT REPORT
You can get a free copy of your credit report every year atwww.AnnualCreditReport.com. This is the ONLY free place to get your credit report with no strings attached! There are several other companies and web sites with similar names so be careful! This company has been established by the three major Credit Bureaus in accordance with the guidelines of the FCRA from the U.S. Government... you are entitled to one FREE credit report each year.
Consumers can call or write get their credit report for FREE once a year!
Annual Credit Report Request Service
PO Box 105283
Atlanta, GA 30348-5283
Call toll free: 1–877–322–8228
Hearing impaired TDD service: 1–877–730–4104
The Three Main Credit Bureaus if You Wish to Contact Them
Equifax
1-800-997-2493 or 1-800-685-1111
P.O. Box 740241
Atlanta, GA 30374
Experian
1-888-397-3742
P.O. Box 9595
Allen, TX 75013
The following is an article from
personalfinancecare.org
Credit scores are calculated on the basis of information available on your credit report. The credit scores will keep changing over the period of time depending on how the status of your accounts with the credit grantors. Here are some ways to improve your credit scores.
Review your credit report regularly and see if there are any incorrect items reported on your credit copy that’s hurting your scores. Credit bureaus handle millions and millions of consumers’ reports. The errors are expected. Your best bet is to get rid of the incorrect information from your credit copy and your scores will rise dramatically.
Don’t close any credit card account if it is old and unused. Creditors review all information and they cannot draw too much conclusion from the accounts that are recently opened. There are many people who move debts from several credit cards to one card and then close the old accounts. Since creditors look at the debt-to-credit limit ratio this can have a bad affect on your credit score because you have the same amount of debt but less available credit.
Creditors review the average age of your credit accounts. So keeping the old accounts open definitely helps.
Reduce your credit card balance to 75% of your available credit.
Always pay your bills on time. Your creditors will report negatively on your credit copy if you are late in your payments.
Don’t let any creditor report an inquiry on your credit copy without authorized reasons. Anyone viewing your credit copy sees too many inquiries from different lenders, they will understand that you have been denied of credit too many times.
Don’t open too many credit card accounts just to increase your available credit.
How to Prevent Identity Theft
If you’re the victim of identity theft, you’ve got your work cut out for you. Not only
will you have to cope with the emotional toll of being a victim of crime, but it will
take all the effort you can muster to repair the damage done to your good name and
credit. Here’s where to start. Download PDF 16 page booklet
Supermarkets - Worcester Area
Links to Worcester area supermarkets - check their weekly specials
Coupons and Deals
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Coupons.com has the best coupons on products. They have all the really big brand names that you know and trust.
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Coupon Mom.com site currently lists weekly deals at 42 stores across 50 states. We realize there are hundreds of regional grocery store chains around the country and cannot list all of them. However, the Coupon Mom site lists weekly deals lists for five national drug and discount stores that can help most people save money wherever they live (Wal-Mart, Target, Walgreens, CVS and Rite Aid).
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