Rule 6. Consider cultivating a cash-only credo (cutting out credit).
The only way to reduce your credit card balances is to pay them off faster than you spend on them. Stopping spending on credit cards is the quickest path to a debt-free state. If you cut credit card usage to zero (or use them only for emergencies), you will not only reduce your outstanding credit card debt faster, but you can plan better and calculate when those balances will go to zero. Steady reduction in your balances month after month also looks good to credit reporting agencies. If you insist on using the cards, consider an alternate strategy: paying off whatever you spend each month plus the minimum payment due.
How to protect seniors -- older parents, relatives and loved ones -- who live alone. Tips on what to do in case of an emergency. Safety ideas.
- Life Alert Emergency Response
- Life Alert is the leading emergency response company, dedicated to solving home safety issues. With a touch of a button, Life Alert sends help fast, 24/7, whether it’s for a medical, fall, fire, or home invasion emergency, even when you can’t reach a phone. Life Alert saves a life from a catastrophic every 10 minutes and has received over 25,000 testimonials from grateful customers since 2008, and was the ONLY company former Surgeon General, Dr. C. Everett Koop, endorsed until his death in 2013. Founded in 1987, Life Alert has become the industry leader in personal protection but also has become a pop culture icon with their classic slogan, “Help! I’ve fallen and I can’t get up!” which was ranked #1 by USA TODAY in its list of the most memorable TV commercials. In 2008, “The Martha Stewart Show” featured Life Alert and recommend them to all of the patients at the Martha Stewart Center for Living while pointing out that Life Alert is "so inexpensive yet so vital for people." Life Alert, their slogan and/or pendant have been featured in many T.V. shows such as 30 Rock, Supernatural, The Goldbergs, and Jay Leno frequently referred to their famous slogan on The Tonight Show.