We all know how fast tech devices seem to age. But don’t just chuck them out. There is a market for older cell phones, tablet, laptops and the like.

Online sites like uSell and Gazelle will buy your items, saving you the trouble of finding a buyer. Best Buy, Apply and Target will exchange your old devices for gift cards. Other sites like Swappa and Glyde will let you list old items for sale for a percentage of the sale price.

While newer and better conditioned items will fetch higher prices, there are buyers out there for older and somewhat damaged goods as well.

But remember! Make sure you wipe the device of any personal information before you sell it!

You see the ads for this kind thing on the cable channels in the wee small hours of the morning. Buy gold or silver as a hedge against bad economic times. But many of the companies touting gold or silver are really only making one entity rich: themselves.

Here’s what you need to watch out for:

  1. The Bait Frequently, these companies use deceptive marketing to make you think you’re getting gold or silver at only a slight mark-up over the current market value.
  2. The Switch Once you are actually speaking with a salesperson, they will try and switch to investing in “collectible coins.” You’re told that these are appreciating much faster than gold or silver.
  3. The Catch Often you will be sold coins at a markup so high, you will never recover what you’ve paid.

One of the oldest adages in investing is true here – invest in what you know. If you don’t know about collectible coins, don’t invest. Or seek out a local expert in your area and consult with them face-to-face.

Here's a money-saving tip for your furry frends.

Vetrinairans mark up the drugs they sell by as much as 100%. Experts recommend that you first try to locate these same pet prescriptions through other sources - online or through human drug stores like CVS or Walgreen's.

You can also visit humansociety.org. Type "afford" into the serach functionthere and discover more tips that can save you money on all kinds of pet supplies.

Getting bugged? As in, those creepy, crawly things you don’t want around you or the house. Here’s the cheapskate’s way to combat them.

For ants in the home, just spray vinegar along your baseboards.

For mosquitoes when you barbecuing outside, put a little rosemary or sage over the coals. The mosquitoes don’t like that and will stay away.

You, however, may feel an overwhelming urge to go to Scarborough Fair.

If you’ve managed to eliminate debt for your life, good for you! But before you cut up ALL your credit cards, we have something you may need to think about.

Leaving without credit can actually have a negative impact on your credit score. If you don’t have any debt, your credit will simply disappear.

Why is that a bad thing? Without a credit score, you may wind up pay higher rates for things like auto and home insurance. You may have trouble leasing a car or singing up for cable, internet or cell phone service. And you’ll have real trouble should you ever need something like a car loan.

Experts recommend that you keep at least one card and use it regularly for smaller purchases, such as gas or groceries. If you pay off the card promptly, you won’t amass any debt, plus you’ll keep your credit score high.

According to FBI consultant Frank Abagnale, in the near future we may not need to remember all those #$%*! Passwords for various internet websites. Abagnale says there is already technology that can identify your specific computer and authenticate it without the need for passwords.

 

 

It varies for each person and their financial situation.

But here are some general guidelines:

  • You can start collecting at age 62
  • Your benefits go up an average of 76% if you wait until age 70
  • After age 66, there is no penalty on additional income you may be earning

Because credit cards give you more protection should your card number be stolen.

Most credit card companies have a limit on how much your account may be charged in the event of false charges. In fact, many companies won’t hold you responsible for any charges should your account number get hacked. That’s not true with your debit card. Thieves could also use that to hack into your bank account online and make off with whatever you many have in your savings or money market accounts if those are linked to your checking account.

To be on the safe side, always pay with a credit card, then reimburse that card as soon as possible.

If you get a call out of the blue from someone offering you a free DNA test to see if you’re at risk for cancer, hang up!

Authorities are saying this is one of the newest scams. The object is to get your Medicare number, so the fraudsters can use that to bilk Uncle Sam for phony medical procedures, prescriptions and equipment. The calls usually start with someone asking if there’s been a history of any cancer in your family. As most families have been touched in some way by this disease, the chances of you saying yes are high.

Remember, any testing should always be done at your doctor’s directive – not somebody you don’t know over the phone!

As we’ve all spent more time indoors these past few weeks, we are also probably doing a bit more cleaning inside our homes. Here’s a pro tip for getting better results while doing less!

1.) Don’t Overbuy – That means you don’t need different solutions for every cleaning task. Experts agree that simply buying one or two of the all-purpose cleaners like Ajax, Formula 409 or Mr. Clean and using them in multiple situations is cheaper and makes more sense.

2.) Let the Cleaner Do the Work – Isn’t of apply the solution and immediately starting to scrub, give the cleaner 30 seconds to a minute to do the hard work for you. (You know, like letting the dishes soak overnight.) You should find that way cleans better and you use much less!

 

With all the concern about human virus infection happening not, don’t forget about your computer. If you’ve been staying home, chances are, you’ve spent more time on the Internet and that means more time your computer could be exposed to malware!

1.) Make sure you use only legitimate software: If that bundle of software looks ridiculously cheap, it may be bootleg software that will leave you open to attack. That’s because legitimate software companies routinely update their software to guard against rapidly evolving viruses and malware. If you remember to update your software regularly (better still, if you set your software to update automatically), you’ll be better protected.

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