November 3, 2016 Page 3 Veterans from front page Like Us on Facebook Seniors Ways to Save on Your Healthcare in 2017 Classifieds The deadline for Classified Ad submission and payment is Noon on Tuesday to appear in Thursday’s paper. Advertisements must be submitted in writing by mail, fax or email. You may pay by cash, check, or credit card (Visa or M/C over the phone). Errors: Please check your advertisements immediately. Any corrections and/or changes in an ad must be requested prior to the following Tuesday deadline in order to receive a credit. A credit will be issued for only the first time the error appears. Multiple runs will only be credited for the first time the error appears. No credit will be issued for an amount greater than the cost of the advertisement. Beware: Employment offers that suggest guaranteed out-of-state or overseas positions may be deceptive or unethical in nature. If you have any doubts about the nature of a company, contact the local office of the Better Business Bureau, (213) 251-9696. Herald Publications does not guarantee that the advertiser’s claims are true nor does it take responsibility for those claims. Apartments for Rent 3BD2BA upper duplex, Keyhold, utilities paid, 7808 Osage, Westchester. immaculate 1600spft., $2500/mo 310-641-2148 or 310- 365-1481. House for Rent 2 BD/3 BA, LARGE 2500 ft ES Home, Huge Family Room,Living Room,Small Office, Fenced Yard,Att. Garage,Pets OK,Avail now, W&D, Gardener, $3695, 310-322-5849 Employment Outside sales: Looking for Outside Sales Representative to sell display ads in Torrance. Sales experience a plus. Work from home, but must call on customers and attend events. Flexible hours, approximately 20 hours a week. $15/hr, plus 10% commission to start, 20% of sales after probation. Interested parties send resume to management@heraldpublications. com. Employment Freelance Writer wanted for local community newspaper. Area to be covered is Torrance and nearby cities. Topics include local events, people and other items of interest, possibly a city council or school board meeting. You must have some writing experience. Please send a sample of your writing and resume to management@heraldpublications. com. No phone calls please. Estate Sale MAN CAVE ESTATE SALE! Stuff frm under, over & outside the house. Great sale if you <3 archect, garden stuff, tools, parts, books & records. FRI 11/4 - SAT 11/5, 7am to 3pm. 327 Whiting Sale California hospitality company WAREHOUSE SALE, ar t , accessories, décor, furniture, Nov 5th and 6th – Noon to 4:00 PM**weather permitting, All sales Final, Cash and CC only, 450 N Oak Street, Inglewood and time again.” Creative Arts therapy encourages expression and memory recall. It can be used in physical rehabilitation to regain damaged motor skills, or as a cognitive therapy to encourage emotional sharing. Often conducted in a group setting, creative arts therapy is used as a way to show patients that they are not alone and reinforce the benefits of their treatment plan. The ALA began to sponsor the NVCAF in 2000, but the relationship has grown and ALA now co-presents the festival. ALA members devote more than 25 million dollars’ worth of volunteer hours to the festival annually. Their roles vary from assisting veterans with art projects and erecting displays, funding travel and support, to supporting publicity, productions and materials development. In recognition of its dedication to healing veterans through art, the American Legion Auxiliary was honored by the Americans for the Arts in 2014. Peggy Thomas has volunteered more than 800 hours to the festival. She says art therapy is the process of healing and a glimpse inside the struggle of the artist veteran who has been silent. “The festival shines a light on innovative work in order to give back to people who have given so much to us.” For information on participating in the event or volunteering, visit: http://www.va.gov/opa/ speceven/caf/index.asp • (BPT) - If you’re like most people, there are a few times a year when you sit down to review your expenses - your cable bill, entertainment expenses and grocery receipts, for example - and try to figure out where you and your family can save money. One item you should consider is your healthcare costs in 2017. Since the fall season marks the beginning of the annual open enrollment period for employees, now is the perfect time to sign up for a new health benefit plan or make changes to your current plan. Offered as part of those benefits, Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are two simple ways for people to save money in the New Year. An FSA, which is provided by your employer, allows you to save funds for eligible healthcare expenses. An HSA - which you can obtain on your own or through your employer - is a tax-advantaged savings account that allows you to set aside money to cover medical expenses throughout your lifetime. A major advantage of both accounts is that individuals may use the full amount of their pre-tax dollars toward the care you and your family may need; employees who enroll in an FSA can contribute a portion of their salary pre-tax to pay for qualified medical or dependent care expenses, while an HSA helps individuals with qualifying high-deductible health plans pay for current and future medical expenses. The number of HSA accounts has risen to 18.2 million in 2016, a 25 percent increase since 2015, according to Devenir Research. In addition, according to the 2016 Flexible Spending Account and Health Savings Account Consumer Research study commissioned by Visa and conducted by C+R Research, 90 percent of FSA users agree that saving money, since contributions are pre-tax, tops their list of reasons for having an FSA. In fact, 40 percent of FSA users claim they would cut back on their medical expenses if they didn’t have an FSA. The study also finds that an FSA with no carryover option represents an important barrier to adoption amongst employees, who fear losing their unused dollars at the end of the plan year. 60 percent of non-FSA users noted they would sign up for this benefit if their employer offered the option to carryover up to $500 of their unused health FSA bal- ances remaining at the end of the plan year. One of the most convenient ways to access funds in an HSA or FSA is with a Visa Healthcare Card, which allows employees to use funds in their HSA or FSA to pay for qualified medical expenses wherever Visa debit cards are accepted, making it easy to pay for expenses such as: • Copays and deductibles • Prescriptions • Dentist visits: Cleanings, orthodontia, dentures • Exams: Physicals, dermatologist • Vision care, including exams, new glasses, LASIK • Hearing exams and aids • Medical equipment such as blood pressure monitors, thermometers • Smoking cessation programs For added convenience, most pharmacies, grocery stores and other retailers that sell healthcare products have the capability to distinguish between covered items and noncovered items when you pay for them, so you don’t have to wonder whether something is covered or not. By using a Visa Healthcare Card at these locations, you no longer have to pay outof pocket and then submit receipts to be reimbursed for your medical expenses, saving you time and money! There’s a reason why 78 percent of FSA users surveyed report having an FSA card and why 52 percent of HSA owners surveyed say they use a debit card linked to their HSA to pay for their medical expenses, as the 2016 Flexible Spending Account and Health Savings Account Consumer Research study commissioned by Visa and conducted by C+R Research found. As you review your options this open enrollment season, ask your employer if they offer an HSA or FSA with a Visa Healthcare Card to provide easy access to your funds. To learn more, visit www.visahealthcare.com. •
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