Houston Chronicle

Take advantage of free financial tips.

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Dear Readers:

Do you make your credit-card payments online? Take a minute to browse the company’s site. You’ll find hints to help you save money and get your finances in shape.

Subjects can include preventing fraud on your account and learning how to improve your credit score. This is one resource you can use to help you be a smarter consumer. Education is the key to saving money! Heloise

Dear Heloise:

My chip credit card states that it should not be shredded. How should I destroy the card if I want to close the account? Ronda R. in San Antonio

Ronda, these cards can have a large metal component; shredding might ruin your shredder.

If you’re closing the account, call the customer service number and let them know. They’ll try to retain you as a customer, but they can send you a postage-paid envelope to return the card, for your convenienc­e.

Be sure to check with your credit-card company for more recommenda­tions. Heloise

Dear Readers:

On which side of the nickel does the word “nickel” appear? Give up?

On neither side! It does say “five cents” on the reverse of the coin, under the picture of Monticello, Thomas Jefferson’s manor. Mr. Jefferson is on the face of the coin. Heloise Heloise@heloise.com Heloise

P.O. Box 795001

San Antonio, TX 78279 King Features Syndicate

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HELOISE

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