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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.

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.

When Should You Collect Social Security?

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

Say Goodbye to Passwords

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.

 

 

Why It’s Credit Cards, Not Debit Cards

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.

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