Are you financially ready for retirement? A lot of Americans aren’t.

College students, listen up - especially freshmen. On campus this semester, credit-card companies are going to hunt you down. They will send credit-card solicitations to your dorm mailbox, staff tables around campus and offer you cool handouts if you apply for their card.

Card issuers facing economic pressures are decreasing people’s credit limits, at times without telling them, a national consumer group warned.

A woman who responded to an Internet job posting provided her résumé and received a response saying she seemed to be a good fit for the position.