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4 Home Hacks Save You Hundreds on Heating and Cooling Costs

Change it up.
Experts say changing the thermostat 10 degrees from your normal setting for eight hours a day can save you 10 percent on your energy bill.
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4 Easy Eats That Steady Your BP

Go nutty at breakfast. 
Researchers think omega-3 fatty acids may help the walls of your blood vessels relax and widen, helping your blood pressure go down. To add omega-3s to your diet, toss some English walnuts on your morning oatmeal.
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3 Dangerous Habits You Must Stop Now

Do you write your PIN on your debit card? Have you ever left your smartphone unlocked? Would you throw your bank statements in the trash without shredding them first? Of course not. But nearly half the people worldwide do engage in at least one risky behavior that increases their odds of financial fraud. Here are three surprising habits you need to change so you won’t become a victim.

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The #1 Secret to a Richer Retirement

Does your retirement strategy involve researching your family tree looking for a long-lost, wealthy relative? “Life doesn’t work like that,” says one expert with a national brokerage firm. “I’ve been a financial advisor for 16 years, and I have seen one person get an unexpected inheritance. And yes — they did know the rich aunt.”
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Paper Trail Confidential

What to keep, what to shred, and everything in between.  Does your file cabinet look like a pack rat has turned it into his home sweet home? It’s difficult to decide what you need to keep — and what you can put through the shredder. Unravel the rat’s nest and make sense out of all the confusion by following these tips to organize your important records the easy way. Send that rat packing, once and for all. 

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