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Need Quick Cash?

While most of us live on a budget, there are those emergencies that require cash quickly.

Here are a few ways to raise extra money in a hurry:

Sell Your Old Stuff: Not only can you get extra dough, you're also reducing clutter. Most of us know about Craigslist, but there are also new mobile apps that allow you to list what you want to sell for free. Those include LetGo and OfferUp.

Join a Focus Group: Helping market researchers by participating in a focus group can put $50 to $250 in your pocket for up to two hours of your time. To be considered for a focus group, check online for companies like Schlesinger Associates or Fieldwork.

Access Your Life Insurance: Many life insurance policies has investment components that lets you borrow or withdraw cash. But make sure you check with your financial advisor because policies differ. Some may require you to repay the money at a later date and withdrawing money from others may lower that policy's death benefit.

It's No Gift!

Do you ever receive an email claiming to be from FedEx, UPS, DHL, Amazon or some other business involved in shipping that’s notifying you that a shipment is coming your way – when you know you never ordered anything?

Beware. Courier cons are on the rise. Bogus shipping confirmations contain links that once clicked deliver malware to your computer!

Experts always recommend that you never click on links in these types of emails. Instead, go to the bona fide website of the business that claims to be contacting you and check it out from there.

Stop Annoying Phone Solicitations

Just a reminder that yu can register your smart phone as well as your land line (if you still have a land line) on the National Do Not Call registry.

There are 2 ways to do this:

1.) Visit donotcall.gov

2/) Call 888-382-1222

Keep in mind that it takes 31 days from the day you register for your registration to become effective and that charities and political groups are still legally allowed to contact you.

Wheel Savings

Looking to get a new car?

Believe it or not, the smartest move might be to buy used!

Why? Because of leasing. So many American now lease their cars. Most of those leases are up in 3 years. Plus, leases penalize drivers who go over 10,000 miles a year. The result is an abundance of late model cars with relatively low mileage.

The vehicle information website Edmunds.com estimates that used car prices for cars 3 years old or newer are actually coming down! You’ll find the best deals on subcompact, compact and mid-size cars. In addition, many car dealers now offer extended warranties, some up to 100,000 miles.

If you’re in the market for wheels, remember, you’re in the driver’s seat!

401(k) Lost & Found

During our working life, most of us change jobs. Many times. If you had a retirement account at a former employer that you lost track of, we may have good news.

Senators Elizabeth Warren and Steve Daines have sponsored a bi-partisan bill to create a searchable online “lost and found” for abandoned retirement accounts.

In the meantime, the Pension Benefits Guaranty Corporation operates a searchable database of pension accounts and expects to have 401(k) accounts added to it by 2018. The catch with the PBGC is the information is incomplete. It relies on companies voluntarily forwarding retirement account information to it. The Senate bill will create a comprehensive database.

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