1. Make sure to make at least a minimum payment within 30 days of your original due date. Preferably, give yourself a cushion so your payment is received within the 30 days. Avoid interest charges. 2. Lenders and credit bureaus favor borrowers who utilize a low percentage of their available credit. In the past, borrowers  … Read More

If you are retiring, carefully consider that you no longer have steady employment income and every dollar you provide to your children means you will have one less for yourself in retirement. Providing occasional gifts and paying an occasional bill are one thing. Quite another is providing a steady stream of income if it will  … Read More

Keep your retirement on track by avoiding some common pitfalls. 1. Do not overspend. You will have more time on your hands now that you are not working. You may be tempted to spend more on hobbies, travel, dining out, and other activities. That’s understandable but overspending could deplete your savings quickly. Instead, develop a  … Read More

Some businesses offer a significant discount to senior citizens. Some offer discounts to those 65 years and older, but some offer discounts to customers as young as 50 or 55. Many, but not all, are available to AARP members. Some of these discounts can save you a bundle of money. An example of some businesses  … Read More

State unclaimed property programs have millions of dollars waiting to be returned to consumers. These include the following: 1. https://www.missingmoney.com/ (unclaimed money from state governments) 2. SEC.gov/answers/oldcer.htm (old stocks and bonds) 3. https://closedbanks.fdic.gov/funds/ (unclaimed bank funds) 4. https://www.treasuryhunt.gov/ (savings bonds) 5. USA.gov/unclaimed-money (unclaimed tax refunds) Happy hunting!