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Tip-jar humor seen here in Chicago at a coffee shop: “Afraid of Change? Leave It Here.” Sure recessions typically mean lower rates, but are you okay waiting until that happens? TransUnion tells us that 196 million people in the United States use credit cards. Credit cards can be a valuable tool but for nearly everyone who keeps a balance on them, their rates are moving higher. On the flip side, here’s a way to add a little value to your clients. Thank you to Cory Tona who sent, “At Hometown, we have to send uncashed checks to the state of CA. The state holds them for two years or so until they are claimed. If they are not claimed, CA keeps the money. I did a quick search using my name and I had a few checks to claim. Same with my partner. It has gone around the office and some folks are finding thousands of dollars! In a time when a lot of mortgage folks are laid off, sharing this website might really help some folks. They may have money they didn’t k

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