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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.

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.

In a census year like 2020, con artists pull out a scam they can only run once every 10 years – the Census Scam.

If you receive a phone call or email from someone claiming to be a census worked asking for you to provide your social security number as part of the 2020 Census, beware!

Census workers will not ask for social security numbers, nor would they ever threaten you with jail if you refuse to provide it. Ditto with attempts to “raise money” during the census.

When choosing a credit card, here are some things to consider:

If you use your card for everyday purchases like gas & groceries: Use one of those cashback/rewards cards.

If you have big credit card balances: Take advantage of those 0% introductory card offers or balance transfer. A word of caution, make sure you can pay off the balance of your transfer before the introductory period ends because that balance will be accruing deferred interest you’ll have to pay off in full if you don’t clear the balance in the required time period. Also, destroy or lock up the cards you are transferring the balances from – no sense running them up again while you’re still trying to pay down your previous balance.

Online passwords have become a way o life. The question is – how can you can you create strong passwords that are easy for you to remember, but hard to hack?

Here’s what the experts say:

  1. Make them long – Most hackers use software that can generate millions of combinations of letter and numbers. Experts recommend creating sentences of 20 characters or more that mean something you, but would be meaningless to others. Then, add numbers, capital letters or special symbols to the end.
  2. Change them regularly – Here the people know say once a year should be sufficient.
  3. Don’t get stuck on one password – Try to vary your passwords. That way if you do get hacked at one site, you aren’t jeopardizing your information at others sites
  4. Don’t store them on your computer – Write them down and store someplace secure in your home or use a super-secure cloud site, also password protected for your list.

Selling the homestead and planning to downsize?

The real estate website Zillow analyzed data from over 32,000 homes and discovered that certain colors on the walls of individual rooms could actually increase the value of your home.

For instance:

  • A kitchen painted a soft blue-grey increased the home’s value $1,809.
  • A powder blue or periwinkle bathroom increased the value $5,400
  • A Cerulean or cadet blue bedroom realized an $1,856 increase in value!

Have fun painting this weekend

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