WOW!!

             Words of Wisdom

1. Insurance beneficiary for work, personal, etc.  CHANGE when divorcing!  Also be sure if you're married to someone who's been married before that you check that HIS is updated and the "ex" is off the forms. (legal document, etc).

2. Debt collection www.fair-debt-collection.com, is a great resource to know. Through the Fair Debt Collection Practices Act, enacted in 1996, consumers are protected from third-party debt collectors who engage in unfair, deceptive or abusive practices. Collectors, for example, are not permitted to use obscene or profane language or call before 8 a.m. or after 9 p.m. They are also prohibited from making false statements while trying to collect a debt.

3. Spend less than you earn!

4. For ONE MONTH keep track of every dime you spend - to really get a handle on what you spend money on.

5. www.ssa.gov/retire2 - to get your print out of what you'll get in retirement.

6. Free Money for Your Retirement by Matthew Lesko

7. Unbelievably Good Deals and Great Adventures that you Absolutely Can't Get Unless You're Over 50 by Joann Rattner Heilman