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There's Gold in That Old Cell Phone!

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!

The Golden Fleecing

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.

The Cheap Way to Stop Going Buggy

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.

Save on Your Pet's Meds

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.

Being Debt Free Could Hurt You

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.

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