Tide Pools to Explore in San Diego

When is the last time you explored San Diego's tidepools? Here are a few options that are certain to please:

Swami's- located on the Pacific Coast Highway- you'll know you are in the right place when you see the gold domes of the Self-Realization Center.  Go down the  stairway to the beach below.  Often seen at these pools are brittle stars, octopi and sea hares.

Cardiff State Beach- Just north of Lomas Santa Fe Drive and off the Pacific Coast Hwy, there is a tide pool area by the bluffs at the south end of the parking lot.

La Jolla Cove-  Below the Museum of Contemporary Art you will find rocky shores and reefs with tide pools.

Sea Hare- but I don't recommend kissing them!

Claim Your Free Credit Report

By law, you do not have to pay to check your credit report. Federal law gives you the right to review your credit report for free once a year. You can access this FREE report at www.annualcreditreport.com. Your score will not be lowered by checking. Only "hard" inquiries (applying for a loan, etc.) can lower your score.

Opting Out of Credit Card and Insurance Offers

If you are not interested in credit card and insurance offers that clog up your mailbox, take the simple step to opt out by contacting the Consumer Credit Reporting Industry at www.optoutprescreen.com or (888)567-8688.

Paperwork- How Long Should You Keep It?

In most households, paper build-up is a major problem, mostly because we don't know how long we are supposed to keep things. Here is a guideline to help you in your decisions:

Credit card receipts and statements- 45 days

Paycheck stubs, retirement plan and savings statements, credit union or bank records, bills- 1 year

Tax records- 7 years

Statements showing IRA contributions and legal correspondence- Forever!

*Some documents that you would normally keep for no more than a year should be kept longer such as receipts that validate a warrantee or will be used for tax deductions, or bills that might provide evidence of an item's value if it's stolen or destroyed. If in doubt, keep it.

More Information on Scholarships

At Around The Town I like to keep you up on all the scholarship opportunities that I hear of...because it can truly break the bank to send your kids to college these days! Here is a helpful article from North County Times on finding scholarship information and opportunities. If you want to search for other scholarship information that has been posted on Around The Town and is still current, put the word "scholarship" in the "search this blog" box on Around The Town's main page.

First of Month- New, FREE Coupons Reloaded Today

You always want to check coupons.com at the beginning of each month. Why? At the beginning of each month, coupons reset and reload and there are lots of new coupons to score. You will want to go and print yours while supplies still last. You can access these totally free printable coupons ANY time through Around The Town. Simply go to my main web page or blog page, then click on the coupons.com banner ad. Select the ones you want and print away! Save a bundle on your groceries! I save at least 50% on my grocery shopping each trip by combining sales prices with these valuable coupons.