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"Reduce the cost of homeowner's insurance by updating your home's protective systems. If you update your alarm system or add a fire sprinkler system, it could lower costs by 15%, or $132 off the typical bill. Redoing electrical, plumbing, and heating and cooling systems in a way that would help protect against costly water claims and fire damage could lead to a discount of 40% or more. Let your insurer know whenever you make a significant change to your home's systems."

Free credit card monitor: BillGuard monitors up to three of your credit cards for free..or up to 10 for $79 a year. The site your card activity daily, looking for unusual transactions, suspicious fees and unwanted renewals of subscriptions. You are alerted by e-mail if a charge needs your attention. BillGuard offers a free "dispute this charge" service to help resolve problems, and is uses bank-level encryption for security. www.BillGuard.com

More Borrowing Options For Internet-Based businesses, reports e-commerce expert Scot Wingo. Online retailers often don't have the necessary collateral to get traditional bank loans, so companies such as Amazon.com, PayPal.com and Kabbage.com now offer loans to these online sellers. PayPal.com says it allows businesses that sell on eBay to borrow amounts up to 8% of their annual sales and repay with a percentage of each sale made. E-commerce loans typically are for six months to one year, come with higher interest rates than bank loans and have more restrictions.

Rewards card bonuses may be taxable? The IRS considers sign-up get as income. Example: If you get 25,000 bonus points for signing up for a rewards card, that is the equivalent of about $250 of free spending on the card, so that tax would be $70 if you are in the 28 percent bracket. Rewards received after you spend a certain amount using the card are not taxable-they are classified as rebates.

Improve child's chances of a college scholarship. Awards totaling $3 billion are made annually, with the average being $2,000 to $3,000 a year. To boost your chances: Apply for as many scholarships as you qualify, not just large ones. Be sure you do qualify to avoid wasting your time-for example, check on whats "need-based" means in each case. Look for local organizations and businesses that offer award money for groups giving scholarships and previous winners for ideas on ho...w to tweak your essay or interview to make it compelling. Use essay to tell stories interestingly without repeating information from your resume. Edit essays carefully-many applications are disqualified because of spelling and grammar errors. If an interview is required: Research the interviewer's background and connection to the scholarship program so that you show knowledge and create rapport. See more

YourMoneySavers: Reduce the cost of homeowner's insurance by updating your home's protective systems. If you update your alarm system or dd a fire sprinkler system, it could lower costs by 15%, or $132 off the typical bill. Redoing electrical, plumbing, and heating and cooling system in a way that would help protect against costly water claims and fire damage could lead to a discount of 40% or more. Let your insurer know whenever you make a significant change to your home's systems.

More Borrowing Options For Internet-Based businesses, reports e-commerce expert Scot Wingo. Online retailers often don't have the necessary collateral to get traditional bank loans, so companies such as Amazon.com, PayPal.com and Kabbage.com now offer loans to these online sellers. PayPal.com says it allows businesses that sell on eBay to borrow amounts up to 8% of their annual sales and repay with a percentage of each sale made. E-commerce loans typically are for six months to one year, come with higher interest rates than bank loans and have more restrictions.

Rewards card bonuses may be taxable? The IRS considers sign-up get as income. Example: If you get 25,000 bonus points for signing up for a rewards card, that is the equivalent of about $250 of free spending on the card, so that tax would be $70 if you are in the 28 percent bracket. Rewards received after you spend a certain amount using the card are not taxable-they are classified as rebates.

Improve child's chances of a college scholarship. Awards totaling $3 billion are made annually, with the average being $2,000 to $3,000 a year. To boost your chances: Apply for as many scholarships as you qualify, not just large ones. Be sure you do qualify to avoid wasting your time-for example, check on whats "need-based" means in each case. Look for local organizations and businesses that offer award money for groups giving scholarships and previous winners for ideas on ho...w to tweak your essay or interview to make it compelling. Use essay to tell stories interestingly without repeating information from your resume. Edit essays carefully-many applications are disqualified because of spelling and grammar errors. If an interview is required: Research the interviewer's background and connection to the scholarship program so that you show knowledge and create rapport. See more

YourMoneySavers: Reduce the cost of homeowner's insurance by updating your home's protective systems. If you update your alarm system or dd a fire sprinkler system, it could lower costs by 15%, or $132 off the typical bill. Redoing electrical, plumbing, and heating and cooling system in a way that would help protect against costly water claims and fire damage could lead to a discount of 40% or more. Let your insurer know whenever you make a significant change to your home's systems.

Your Money: Contributing a large amount to your 401(k) all at once can be a mistake if your company matches contributions. You may be better of contributing smaller amounts over the course of the year. Example: If a company caps contribution matches at 3% of each paycheck, contributing a large amount may result in only a small fraction of that contribution being matched. Helpful: Find out if your company has a true-up provision. That means the plan calculates the potential maximum match you would receive based on the total amount contributed-and that is how much the company provides. if your firm does not have this provision, spread your contributions throughout the year.

Salute to all our Veterans. THANK YOU for our freedom!

Little-known facts about debt. Borrowing money from a family member for a home down payment may cause problems getting a mortgage - lenders have tightened rules about where down payments can come from and require documentation on where you got the money and how long you have had it. Divorce does not change your agreements with lenders. You much contact the lender to find out how joint debt, such as from a credit card or mortgage, can be placed in the name of one ex-spouse. Not all mortgage and home-equity interest is deductible - interest on mortgages up to $1 million and home-equity debt up to $100,000 is deductible. The Wall Street Journal.

Small Business Prepare now of major cyber out-ages. Hacker or criminal attacks or natural disasters can take down power and the computers that use it for days or weeks. what to do: create a business-continuity plan for an outrage lasting more than a few hours. Have a backup in case your physical data center goes down. Decide what you would do if you could not get to critical data. Have fallback vendors in case your ones are compromised.Test your systems to be sure that they are as secure as possible against possible hackers attack. Install antivirus software, and keep it updated. Plan for banking-system crash, and decide how you would handle payroll and accounts payable and receivable. Roundup of security experts reported at FoxBusiness.com.

17655 Kennison Ln., Lodi. Available soon full renovation

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