Could you come up with about $5

That's about the newsstand price of April 2011 Money Magazine.  "How To Reach $1 Million" is a great article with real guidelines on "how to" adjust your savings to accomplish this and an estimated time frame to reach your goal. The article states, "To Hit The Magic Number, You Need The Right Plan."  I heartily suggest that you find a copy - even at the Library - and let the information soak in.  It deals with amount of yearly savings, percentage rate and number of years to $1 Million.  It's never too late to start, but it's very important to START NOW! 

Honey, do you remember the PIN for ...

Bank accounts, online ordering, special websites, etc. have caused us "millions" of PINs, passwords, and user IDs.  We used to enjoy "one size fits all", but sites are now requiring complicated information for security protection.  We solved the problem by buying an address book and writing the information for each web address.  We file the name of the website alphabetically and then put in just enough information to remind us, leaving lots of dashes so no one else knows the rest of the passwords - that way you can keep it by the computer even if someone else happens to open your book.  Also, we have another address book with all the information filed in our locked box in case we can't even decipher the dashes.  It sure make life a whole lot easier and more secure.