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Before You Buy That Retirement Condo

Some things to check before you downsize to the retirement condo you think might be perfect:

  • Check if the condo association dues have increased from year to year
  • Determine if most of the units are owner-occupied and not rentals
  • Ask about any plans for any big infrastructure projects planned for the future – and how they’re supposed to be paid for
  • Ask if they have a reserve fun and how that fund is invested

That Junk May Be Treasure!

What’s Hot in the World of Collectibles…

Space Program Memorabilia: Particularly from the Apollo moon missions. Our early astronauts tended to sign a lot of autographs, which they left with their families as a kind of insurance in case they dudn’t make it back!

What’s Not…

WWII Memorabilia: They may have been the Greatest Generation, but their wat souvenirs are fetching much on the collectors’ market.

Car Repair Cons

Repair shops have a bad reputation. One reason why is most of us don’t really know much about our vehicles. When a repair person tells us our framastat and carburatic overgloid needs replacement, we just nod and sign the repair order.

One of the most common cons is the Oil Change Add-Ons: Many repair shops advertise a very low price on oil changes. Once they get your car in their service bay, they’ll tell you about all the other things you need – like a new air filter or a coolant flush. Unless you know and trust your repair shop, treat these tactics with skepticism, especially if your car has been running just fine.

BTW – Many of the coolants used in today’s vehicles are good for 100,000 miles.

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.

Dealing with Debt

Many Baby Boomers are retiring while still carrying massive amounts of debt. This can add stress to what should be a carefree time of you life.

Here are some tips for getting out of debt:

1. Pay Off Those Credit Cards - Make sure you're paying off more than the monthly minimum. Also, check the interest rates you're being charged and pay down the cards with the highest rates first.

2. Refinance Credit Card Debt - If your credit is good, it may make sense to consolidate your credit card debt into a personal loan. Typically, personal loans charge far less interest than the major credit cards. Just make sure you don't run up the amounts on those cards again!

3. Cut Out the Extras - Decide what you really need - not just what you want.

4. Sell Your Stuff - There are now many ways to get rid of unwanted items and earn a little extra cash... from eBay to craigslist. Or you can always hold a garage sale. You'll have less stuff t take care of and earn some additional money at the same time.

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