Theo Thimou About the author:
Theo has co-written several books with Clark Howard, including the New York Times #1 bestseller Living Large in Lean Times. He's also an emerging composer. Theo strives to bring unique savings tips to widowed parents like himself who must face life without their spouses. He can be reached at [email protected]
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More posts by Theo Thimou

property taxes image
How to Lower Your Property Taxes in 4 Easy Steps Homes & Real Estate June 29, 2020
Wondering how to lower your property taxes? The property tax appeal process is easier than you may think! I've appealed…
prescription medication bottle with pills spilled out
10 Ways to Save on Prescription Drugs Health Insurance June 15, 2020
In an era of rising health care costs, we're all wondering how to save on prescription drugs. In this article,…
Customers at rental car counter at airport featuring Enterpresie, Hertz and Avis brands
Ask Clark: Should I Buy a Rental Car? Cars June 1, 2020
If you're looking for a deal on a used vehicle, you may be considering buying a rental car. It's quite…
Suntan cream bottle and sunglasses on beach towel with sea shore on background. Sunscreen on deck chair outdoors on. Shell, plastic.
The Best Cheap Sunscreens for Your Money in 2020 Health May 29, 2020
Consumer Reports is out with its latest ranking of the best cheap sunscreens — proving once again that you don’t…
Walmart storefront
3 Things to Know About Walmart MoneyCenter Money & Credit May 15, 2020
Walmart MoneyCenter offers a wide variety of financial services and products, and it's located where you probably already shop. In…
Ethos life insurance logo on laptop computer
Ethos Life Insurance: What to Know Before Getting a Quote Life Insurance May 6, 2020
Looking for a simple way to purchase term life insurance? Ethos offers life insurance with an easy online quote process.…
Gift cards
How to Make the Most Money When You Sell Your Gift Cards Online Shopping & Retail April 28, 2020
Want to make the most money when you sell your gift cards? We put two leading online services that buy…
cash out refinance written on a notebook
Is a Cash-Out Refinance Right for You? Homes & Real Estate April 28, 2020
A cash-out refinance can open up an attractive pot of money to tap into when times get tough —  in…
Coverhound: 5 Things to Know Before Getting a Quote
Coverhound: 5 Things to Know Before Getting a Quote Insurance April 27, 2020
Most people understandably don't like shopping for insurance. But Coverhound makes it easy to quickly enter your info and get…
SelectQuote homepage viewed on a tablet in a man's hands
SelectQuote Review: 5 Things to Know Before You Get a Quote Insurance April 22, 2020
SelectQuote is one of the oldest players in the sale of insurance direct to consumers. Established in 1985, this company…
unemployment benefits written on pad surrounded by money and calculator
Ask Clark: Does Collecting Unemployment Affect Social Security in the Long Run? Investing & Retirement April 17, 2020
The coronavirus pandemic has forced millions onto the unemployment rolls almost overnight. Naturally, many of those people are wondering what…
Loan payment due
Forbearance vs. Deferment: What’s the Difference? Loans April 17, 2020
If you're a homeowner or have a student loan in your name, there's a good chance that your lender has…
Retirees holding sign showing retirement budget and expense categories
7 Major Expenses in Retirement (and How to Reduce Them!) Investing & Retirement April 16, 2020
Many people spend their working years trying to save enough for retirement. But how can you predict what your spending…
scam mobile phone call
New Mandate Could Mean the End of Spoofed Robocalls by Next Year Phones & Mobile Devices April 6, 2020
Robocalls could be a thing of the past by next summer thanks to a new mandate from the Federal Communications…
Roth IRA and traditional IRA
Is a Roth IRA Better Than a Traditional IRA? Investing & Retirement April 3, 2020
Whether your employer offers a 401(k) option or not, an IRA makes it easy for you to save for retirement…
Social Security benefits
Ask Clark: Should I File for Social Security Now? Investing & Retirement March 26, 2020
A lot of Americans are finding themselves laid off or with hours cut back at work. If you're in your…
Saving money and loans for car concept, Young woman holding blue piggy with standing at the car parking lot background, Auto.
Ask Clark: Should You Refinance Your Auto Loan Right Now? Cars March 24, 2020
You've probably heard of refinancing your mortgage, but did you know you can also refinance your auto loan? This option…
Dollar bill with 401k image
Ask Clark: What Do I Do With My 401(k) if I Am Laid Off? Investing & Retirement March 24, 2020
When times get tough and you're out of work, you may be tempted to tap your 401(k) for living expenses.…
Car rolling over road made of dollar bills
What Do I Do if I Can’t Afford My Car Payment? Debt March 24, 2020
With the coronavirus severely impacting the economy, more and more Americans are facing furloughs or layoffs at work. That means…
mortgage refinance loan application
Should You Refinance Your Mortgage Right Now? Mortgages March 17, 2020
Are you stuck with a high mortgage payment? Maybe you've heard that rates are at historic lows and wondered if…
Investments and Retirement
Ask Clark: What Should I Do About My Investments if I’m Retiring This Year? Investing & Retirement March 13, 2020
If you're just on the cusp of retiring, you've probably been rattled by all the recent downward moves in the…
StockSelloff (2)
Should You Sell or Stay Put in the Stock Market? Investing & Retirement March 9, 2020
The topsy-turvy moves of the stock market in the last weeks have caused many investors to panic and sell their…
Smiling female school teacher sitting on a chair facing students in a classroom holding up and explaining a worksheet
What Is a 403(b) and How Does It Work? Investing & Retirement March 5, 2020
A 403(b) plan is the public school employee's equivalent of the private sector 401(k). It's a retirement account designed to…
senior couple saving money with a piggy bank
12 Ways to Save Money in Retirement Investing & Retirement March 4, 2020
Retirement can be a wonderful thing, but it doesn't necessarily come without its own set of challenges. When you no…
FamilyWize app on smartphone in the pharmacy with prescription drugs
FamilyWize Review: 5 Things to Know Before Filling a Prescription Health March 3, 2020
If you've never tried an app to help you comparison shop for prescription medications before, FamilyWize could be a good…
Personal loan agreement being signed by woman
What Is a Personal Loan and Should I Get One? Loans February 26, 2020
Have you seen an influx of personal loan offers showing up in your mailbox? These unsecured loans promise access to…
WellRx app on smartphone comparison shopping for medications and prescriptions
6 Things to Know About WellRx Health February 24, 2020
If the high cost of prescription medication has you down, you may want to give WellRx a try. The provider…
Coins stacked up and growing in value
What Is the Rule of 72 and Why Should You Care About It? Investing & Retirement February 14, 2020
Everybody loves the idea of doubling their money. But did you know there's a simple formula that can help you…
Chime Bank on a smartphone and desktop computer
Chime Bank Review: 6 Things to Know Before Opening an Account Online Banking February 13, 2020
If you're looking for an online-only bank with no hidden fees, early direct deposit and fee-free overdrafts, you might want…
Pharmacist Looking At Piggybank In Pharmacy
The Best Prescription Savings Apps to Save Money Health February 12, 2020
If you have medications in your life that cost you an arm and a leg, prescription drug apps can help…