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Should I Refinance My Home Mortgage?

Q: Many of my friends have refinanced their mortgage recently, and they’re urging me to do the same thing. Money is always a bit tight, and the thought of an extra few hundred dollars a month is very tempting. Should I refinance? A: Refinancing a mortgage is essentially paying off the remaining balance on an existing home loan and then taking out another mortgage, usually at a lower interest rate. It may sound like a no-brainer, but there are lots of factors to consider before deciding to ...



6 Ways to Turn Your Dream Vacation Into a Reality

Everyone has their own version of a dream vacation. But, for most of us, it never becomes a reality. Read on for six ways to make that dream vacation come true. 1. Start saving Give your getaway a jumpstart by planning for it all year long. Set up a Trip jar. Whenever you’ve got loose change, plunk it in a jar earmarked for your vacation. Use the money you’ve saved to fund one part of your vacation. Brown-bag it. The average American buys lunch twice a week. By brown-bagging it just ...



Beware Tech Support Scams!

You’re always putting yourself out on a limb when you call tech support. You dial the number the company gives you, and perhaps after a while of waiting, you’re connected to someone who may be working on the other side of the world in a completely different time zone. Then you’re asked to give this anonymous person identifying details about your phone or computer and the technical problems you’re experiencing. Of course, you’re fairly certain the speaker works for y...



Saving on Home Renovations

Is your kitchen in desperate need of a facelift? Bathroom s haven’t been remodeled since Bush was in the White House? And we’re not saying which one! With the warmer weather approaching, many homeowners are thinking of making minor and major household improvements. And for most, the cost will be prohibitive: The average kitchen remodel tops $60,000 and a bathroom overhaul can run $18,000. No worries, though! With some careful planning and smart choices, you can shave thousands off th...



Medicare Scams and More: What to Watch Out For

There are a plethora of scammers out there, and it's important to be aware of them in order to protect yourself. Here are a couple to watch out for: Medicare Cards Starting in April 2018, Medicare will begin mailing new cards to everyone who gets Medicare benefits. The new Medicare cards on the way no longer showing your Social Security number instead opting for an unique Medicare Number and scammers are taking advantage by calling, claiming to be from Medicare. They are asking for you...