$mart Suzy: Mother’s Day giveaway, special
winners, credit advice for students, coupons

By $mart Suzy
KyForward columnist

Derby week focuses international attention on Kentucky, and aren’t we proud! The Kentucky Derby is still the greatest horse race in the world, and Suzy personally thinks Kentucky is the greatest place to live in the world, but knows “chauvinism” when she is it (big word, look it up). Hope all of you win – and have a great Derby weekend.

Suzy is thankful today for the Keeneland Shop online for another fabulous HAT GIVEAWAY, to help you give your mom something really special for Mother’s Day, coming up next weekend. She’ll love you for it (but she loves you anyway)!

Mother’s Day- Monogram Hat giveaway

The hat is a black paper braid hat with a beige ribbon. It is made by Dorfman Pacific Hats out of California, $50 value. These hats are great for an outdoor party, a day at the pool, a beach trip, a casual outing. . .whatever strikes Mom’s fancy. (They also make good bridesmaids’ gifts and sorority gifts, but this one is for MOM.) They are classy, sophisticated, and the hot new trend when it comes to hats!

You can win this hat and it will be monogrammed for Mom and delivered in time for Mother’s Day. If you are the winner we’ll ask you for the 3 initials and the monogram style you want, so the hat will be customized. Monograming takes 3 days, so Suzy will need a prompt response!

Enter by 8 a.m. TUESDAY by sending Suzy an email to Suzy@kyforward.com. Tell Suzy you have “liked” KyForward on Facebook (it’s an honor system; Suzy trusts you), include your shipping address. Suzy will get back to you right away on the monogram specifications – and the great folks at Keeneland Gift Shop online will take care of the rest.

How cool is that? Mom is going to be really happy with this.

So, if you don’t win and you don’t have a clue what to get Mom, try this – the Keeneland Shop is now offering a variety of monogram hats. If you want to place an order call (859) 288-4585 or check out info on the Keeneland Gift Shop Facebook page.

Gotta love our winners

Suzy is so happy that Jennifer Bedoya of Sugar Hill, Ga. and Lewella Tembruell of Pierz, Minn. were recent winners in our Kentucky Horse Park free admission tickets giveaways. Both Suzy friends have Kentucky ties and are planning family trips to Kentucky this summer. They are now looking forward to including the Kentucky Horse Park in their visit plans.

Suzy likes being a tourism advocate!

Smart student credit managing

Students should be smart when it comes to managing their credit, and the Kentucky Higher Education Assistance Authority (KHEAA) has some good advice.

Students, once you start paying bills, you start building a credit score. If you have a history of paying bills late, it will be reported to credit rating agencies and affect the interest rate you pay on credit cards and loans. It may also affect how much you pay for insurance and whether you are approved for renting an apartment.

A credit score is based on your payment history. Credit scores are used by lenders to help determine if applicants qualify for a credit card, loan, insurance or other services. Most credit scores estimate the risk a company incurs by lending money or providing a person with a service — specifically, the likelihood that the person will make payments on time in the next two to three years. Generally, the higher your credit score, the less risk you represent.

Some people think you need a credit card to build a credit score. But if you open your utility accounts in your name instead of your parent’s name, you can work toward building a credit score in six months.

A late or missed payment stays on your credit report for seven years, even if the creditor has been paid in full. It is better to start off on the right foot by establishing checking and savings accounts, using your credit cards sparingly and paying all of your bills on time.

KHEAA is the state agency that administers Kentucky’s grant and scholarship programs, including the Kentucky Educational Excellence Scholarship (KEES). To learn how to plan and prepare for higher education, go to www.gotocollege.ky.gov. For more information about Kentucky scholarships and grants, visit www.kheaa.com; write KHEAA, P.O. Box 798, Frankfort, KY 40602; or call (800) 928-8926, ext. 6-7372.

Featured coupons

From Coupons.com, a few examples of the several hundred available today. Check them out:

• SAVE $1.00 off any 4-Pack of Welch’s® Fruit Fizz Sparkling juice Beverage (any flavor) Available at Walmart
• SAVE $.50 On Any Two (2) DOVE® Chocolate Singles Bars (1.44 oz.)
• $.50 off on one (1) bottle Zest High Intensity™ 13.5oz body wash
• $1.00 OFF any Alexia sweet potato item!
• $2.00 off any FoodSaver® Heat-Seal Bag or Roll
• $0.75 OFF any ONE (1) Sparkle® 6 Roll
• SAVE $5.00 with purchase of any Hot Wheels® toys by Mattel, $20 minimum purchase (Available at Walmart)
• SAVE $2.00 on any two (2) Right Guard® Body Wash Products
• SAVE $5.00 with purchase of any Barbie® by Mattel toys, $20 minimum purchase. (Available at Walmart)
• SAVE 50¢ on any JOHNSON’S® Baby product (excluding sizes 1 oz. to 3 oz.)
• SAVE $1.00 on the purchase of any two (2) HORMEL® COMPLEATS® microwave meals
• SAVE $1.00 on any one (1) Nature’s Bounty® Vitamin or Supplement
• FREE Hidden Valley Ranch® Dressing when you buy Kingsford® Charcoal and Kingsford® Lighter Fluid
• SAVE $2.00 on any 2 Dry Idea® Roll-Ons or Gels
• SAVE $1.00 on the purchase of any HORMEL® COMPLEATS® kids microwave meal

Happy weekend, Suzy friends. Enjoy!

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