“Ding dong.” You scurry to the window to peak at who is at the door only to realize it’s the neighbor’s kid selling something as a fundraiser. It’s that time of year again, but before you decide to ignore his offer, think about what you could be missing.

There’s something about the saying “The best things in life are free.” It’s not that you cherish those items more, instead you have this sense that you received something that not everyone else could get. If you over the age of 55 (known in society as a senior) there is cash, goods and services just waiting for your consumption. Every year our government gives away money and products to those people in the over 55 range. You can get this compiled list in a book entitled Free for Seniors.

Sometimes we change because we have no choice, and since this violates our manifest destiny to do as we please, it may take a while before we notice that those are often the changes we need to make most.

If you are like most, saving for college is an after thought. After the new car, after the xBox, or after the next big raise. There is a way to consider it now. It’s called UPromise.

It is an ever-increasing news story. A hacker breaks into a major retailer and swipes credit card information. Most think it will never happen to their card information, but one of the largest thefts in recent history had to do with 40 million credit cards. Could yours be one of those?