The following is a guest post. Act Now To Avoid Annuity Woe New rules, to be implemented in December by the EU Gender Directive, are set to put pressure on prospective retirees, as pension savings are squeezed by a drop in annuity rates. The changes are prompting many pension holders to scramble to find the best annuity – and optimize their returns – before the rules come into effect. But the details of the changes are complicated – should you… Read the rest

Halloween costumes don't have to be expensive, if you have an active imagination you can come up with plenty of interesting costumes and even if you don't have an active imagination I am going to share some links to get you started. My employer is holding a fun fundraiser this year for Halloween and I had no idea what I wanted to be. So of course I went right to Google and started searching.  One of the first posts I… Read the rest

  The is one of my favorite tools for saving money.  If you have ever been curious how much you are paying to run your refrigerator, your washer, alarm clock, cell phone, computer or just anything that runs on 110 volts, this is the perfect tool to use. It is very simple to use, just plug into the wall, and then plug your appliance into the Kill A Watt. That's all you have to do.  Now wait for an hour… Read the rest

First let me say that even though I portray a photo and story about the Savers/Value Village “Super Savers Club Card” I'm including all the other super saver cards, for example, from the regular grocery stores and pet food marts and the like. I've been visiting Savers lately because my boss gave me $50 for my birthday last month.  Cash, from her own pocket.  Isn't that sweet of her?  I thought it was.  She always remembers my birthday, but usually… Read the rest