The Dollar Stretcher Newsletter
Date Index

If you'd like to see what's happened since your last visit to "The Dollar Stretcher" you'll find the most recent articles right here. Articles are listed by date they appeared in the newsletter or were added to the web page. Just 'click on' the story you want.


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    March 10, 2008
    Money
  • Credit Card APRs Rise Despite Rate Cuts - Interest rates on credit cards are going up, even for cardholders with good credit. What's going on?
  • Make Debt Pay-Down a Family Affair - It's a good idea to get the children involved in the family's objective to eradicate debt
  • Indexed CDs Offer Potential Risk, Reward - Can't stomach the loss of principal in a volatile stock market? Indexed CDs guarantee some protection, but there's market risk too
  • Are You Spending Smart? - Bankrate reviews the book "Living Rich by Spending Smart," that examines how everyday spending choices can sink your budget
  • Why We Spend and What We Can Do About It - Events have conspired to make spending way too easy. Here's how to counter the forces that can hurl you to self-destruction
  • Learning What To Do from Past Recessions - What financial moves worked when things went bad in the past
  • Disability Retirement Pay - Advice for a reader who is disabled, and wonders if he has to pay a 10 percent penalty for withdrawals to his thrift retirement account
  • Investing in Hard Times - When the economy turns sour, your money needs to work even harder and safety becomes a concern
  • Money Market Funds Weathering the Storm - Despite some troubled investments, money market funds are still considered a safe haven and attract investors' money
  • Frugal Shopper's Best Tip - Using a cash back card to pay your taxes can be money in your pocket
  • Fame & Fortune: Sara Evans - This country singer tops the charts, but success hasn't stopped her from shopping at Target
  • Getting Through the Credit Card Debacle - Many Americans regard credit cards as a source of supplemental income. Instead they might be viewed as a pact with the devil
  • Turbocharge Checking with High-Yield Accounts - Discouraged by the yields on CDs these days? It's time to check out high-yield checking accounts
  • Many Places to Park Down-Payment Cash - There are many ways to gain interest while saving for a down payment
  • Some Moves Make Bad-Loan Status Worse - Be careful when trying to eliminate a "bad" loan
  • Simple Fix for Excess - Roth contribution Don't lose any sleep if you've contributed too much to a Roth IRA
  • Expenses Can Erase Refinance Savings - The expenses of refinancing sometimes wipe out any potential savings
    In Critical Condition
  • When One Spouse Files for Bankruptcy - When your spouse files Chapter 7 can you add your debts on to their's?
  • Powerful Debt Pay-Down Strategies - Getting in the debt pit is easy; climbing out, not quite so. These strategies help lessen the pain
  • 'Settlement' Is Ugly Word for Lenders - A settlement can stop the deterioration of your credit, but only at a high price
  • Getting Help with Debt - If you're in too deep, don't be afraid to reach out for assistance from someone you trust, says debt expert Gerri Detweiler
    Family
  • A Theme Park Vacation - Controlling costs on a theme park vacation
  • Meaningful Family Traditions by SherryLynn Rankin - Family traditions can be fun, simple, and memorable without spending a lot of money!
    Home and Auto
  • The 15 Minute Auto Deal by Gary Foreman - Rushing could prove to be expensive
  • Reverse Mortgages by Damon Carr - Don't reverse the curse!
  • Guerilla Gardening by Jeffrey Yeager - Get your plant fix on the cheap
  • A Vacuum that Won't Break, For Less! by Monica Resinger - The vacuum that's so tough it's nearly impossible to break
  • Keeping Household Repairs under Control by Helen Laack - Ways to keep to a tight budget and still keep up with repairs
  • Can Spending $55 Save a Driver's Life?
  • Refinance Budget-Busting Car Payment - A car owner with a 20 percent loan should refinance
  • File Lemon-Law Car Complaint Quickly - It's important to file a lemon-law gripe within the first year of ownership
  • Car Owner Owes Cash Despite Repossession - Owners of repossessed cars are still on the hook for any balance due
  • Is the Time Right for First-Time Homebuyers? - Despite interest rates and home prices being down, millenials still have to do their homework before buying
  • 7 Must-Dos for the First-Time Homebuyer - Finding the house is just the beginning. First-time homebuyers will need to answer these questions to see if the time is right to buy in their desired location
  • Tax Change Impacts Mortgage Insurance - A change in tax law has reduced the advantage of using LPMI instead of PMI
    Lifestyle
  • The Cost of Convenience by Tina Hartley - A comparison between prices at convenience stores and other stores
    Your Taxes
  • Can a Home's Losses Be Deducted? - A reader wants to convert property to rental in order to claim losses of $30,000
  • Your Taxes from A to Z - Doing your taxes is not as easy as ABC, but these alphabetical tips could make the process less difficult and save you some money, too
  • When Are Settlements Taxed? - She won a sexual discrimination lawsuit but got a nasty surprise from her accountant
  • Taxpayers Abroad Can Limit U.S. Taxes - Shorten Uncle Sam's global tax reach by claiming the foreign income exclusion
  • The Tax-Cutting Magic of Deductions and Credits - Don't overpay the IRS. Use deductions and credits to reduce your bill
  • Some Social Security May Be Taxable - Don't let your retirement be spoiled by unexpected taxes. Know the rules on just what benefits are taxable
  • When Taxes Are Inherited - An annuity is considered income by the IRS, and must be included in the beneficiary's income tax return
  • Tinted Windows Can Brighten Tax Burden - You may still be able to recoup part of the cost of this simple energy-saving home improvement through a credit on your 2007 tax filing
  • Tempting the Tax Auditor - The IRS is coming after more filers. You might be a target if you fly these red flags on your tax return
  • Let Uncle Sam Help with Child Care - If you paid someone to care for a dependent so you could work, a special tax credit could cut your IRS bill
  • Tuition Tax 'Double Dip' May Be Legal - A possible loophole may make one type of tuition tax "double dipping" legal
  • Money-Back Break for Low-Income Taxpayers - If you don't make a lot, the earned income tax credit could help you get some cash back from Uncle Sam
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Do You Owe Back Taxes? - Kathy is about to come clean about her tax reporting, but she needs Dave's help in getting started
  • One of My Worst Decisions - "My 90k-mile car seemed sub-par, so I decided to purchase a brand-new $23k car...It was undoubtedly one of the worst decisions of my life"
  • The Lightbulb Came On - "Wait a minute. I'm paying the bank to play with the same $500 over and over and over"
  • Does Settling Look Bad? - Michael is worried that settling might damage his credit report. Does Dave agree?

    March 3, 2008
    Money
  • Maximize Your Tax Refund by Rali Macaulay - Have a plan for when your tax refund arrives
  • Financing Your Daycare Business by Fiona Lohrenz - How to obtain the financing required to start a daycare business
  • When to Dump an Underperforming Fund - With the stock market in flux, it's tempting to sell funds that aren't up to par. But instead of acting impulsively, ask yourself these questions first
  • LaLanne at 93: Physically and Fiscally Fit - In a candid and humorous Q&A, fitness guru Jack LaLanne tells why finance and fitness should go hand in hand
  • Which College Plan Should You Tap First? - Poorly planned withdrawals from your child's college plans can hurt prospects for financial aid
  • Fame & Fortune: George Carlin - This comedic talent has led the evolution of the funny business for 50 years
  • Women's Dysfunctional Relationship with Money - Personal finance author and TV personality Suze Orman says women must learn to nurture themselves financially
  • Hire a Pro Before Crafting an Estate Plan - Cobbling together an estate plan without professional help may not be wise
  • Stay-At-Home Moms Can Boost Credit, Too - A stay-at-home mother has several options for lifting her credit score
  • Don't Blame Bad FICO Score on System - Work to boost a low FICO score instead of complaining about the model
  • CD Is Safe Despite Bank's Struggles - A CD is always a sure thing, even when the bank that sold it isn't
  • Oscar Spotlight: Celebrity Spending Power - See how your spending power compares with that of Oscar nominees George Clooney and Cate Blanchett as well as top stars like Tom Hanks, Helen Hunt, Harrison Ford, Mel Gibson and Julia Roberts
    In Critical Condition
  • Chapter 7 Versus Chapter 13 - In bankruptcy, if there's any extra income, kiss it goodbye. It's going toward debt repayment
  • Out of the Red and Into the Black - In this Financial Literacy installment, we examine the yin-yang relationship between consumer debt and savings
  • The 7 Deadly Sins That Lead to Debt - These misdeeds will almost certainly land you in a contemporary place of torment reminiscent of Dante's Inferno
  • What, Us Worry about Debt? - Half of Americans are somewhat worried, but only 10 percent are really worried
    Just Starting Out
  • Student Loan Debt Now Tougher to Tackle - Changes in bankruptcy law have made student loans peskier than before
    Family
  • The Great Loot Bag Debate by Marlene Alexander - Inexpensive, yet useful loot bag suggestions
    Baby Boomers
  • How to Retire Well and Well Off - Fitness guru Jack LaLanne and investment adviser Matthew J. Rettick team up on new book to help you live well into retirement while having enough money to enjoy it
  • Early Retiree's Debt Raises Red Flag - A woman planning to retire early needs to face the reality of her $80,000 debt load
    Home and Auto
  • Buying a Used Truck - When and how to get the best deal
  • Make an Easy and Elegant Birdbath by Kathy Wilson - Creating a more wildlife-friendly garden
  • How to Plan an Herb Garden by Monica Resinger - Get to know your plants before they are even planted
  • The Truth About the Housing Market - Foreclosures are up, housing prices are down, and mortgages are harder to get. Just how bad is the market?
  • CLTs Make Expensive Homes Affordable - Community land trusts make homes in expensive communities more affordable
  • Buying the (Second) Home of Your Dreams - Before you buy that second domicile, take a good hard look at whether this makes good financial sense.
    Lifestyle
  • Corned Beef by John Smith - Stock up on this Irish delicacy
  • Inexpensive and Creative Wedding Gifts by Melissa Hogan - Give a more memorable gift
  • Stop Eating Your Way into Debt! by Jill Cooper - Eating out is among the top causes of personal debt
    Your Taxes
  • Energy Efficiency Tax Breaks Still Possible - Some energy-efficient home improvements could make you eligible for a 10 percent tax credit on your 2007 return
  • Make Your Hobby Pay for Itself - If you find your hobby is regularly making money, it might be to your tax advantage to turn the sideline into a business
  • Keep Scrupulous Tax Records - If you're a self-employed businessperson, a gambler or a generous donor of charitable goods, you'd better carefully document your deductions or be prepared to pay stiff penalties
  • Retirement Savings Credit Doubles Payoff - For some filers, money put away for the golden years could cut today's tax bill
  • Writing Off Rental Real Estate - There are limitations on income for those who want to write off their rental property
  • Let Uncle Sam Help Pay for Your Move - Americans have always been mobile, and the tax code encourages that restlessness with a deduction for moving expenses
  • Remember to Tip Out Uncle Sam - Don't forget to report all your tip income or the IRS may audit you. Here's how
  • Hybrid Car Tax Credit Dries Up - Buying a hybrid car might give you a good feeling, but don't expect a tax break
  • An Easier Tax Way to Pay for School - Want help in paying $4,000 of your college costs? Then look no further than your tax return
  • State Sales Taxes Can Cut Your IRS Bill - Taxpayers can claim state sales taxes on their federal returns
  • Your Tax Forms Guide - Ready to file? Make sure you have all your paperwork in hand and in order
  • A Tax Break Apple for Teachers - Keep track of what you paid for classroom supplies. The IRS says you can deduct $250 without itemizing
  • IRA Contribution Rules - Dad wants to set up an IRA for his newborn, but CPA George Saenz says a Coverdell is a more appropriate vehicle
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Medical Bill Disaster - Larry's daughter just graduated from college and landed in the hospital with $25,000 in bills and no insurance. What to do?
  • Saving vs. Investing - Mary and her husband have different ideas on what to do with the money they make and keep
  • How a $2 Ticket Cost $150 - Cathy paid the ticket but didn't check her bank account as closely as she needed to
  • Ditch the Car - Aaron is paying a lot in monthly car payments. Should he sell it to speed up his debt snowball?
  • Big Disagreement - Lisa wants to spend money investing in term life insurance, but her husband wants to invest that money instead

    February 25, 2008
    Money
  • Retirement Income by Damon Carr - How much income will you need during retirement?
  • Every Penny Counts by Scott Bilker - Especially when you're paying back debt
  • 7 Ways to Spot Unrewarding Rewards Cards - Rewards credit cards offer benefits to users, but watch for the "gotchas" in the terms when comparing cards
  • What Type of Rewards Card Is Best? - Only responsible users with good credit should be messing with rewards cards
  • Grandma Commits Credit Card Fraud - Already in bankruptcy, grandmother is now signing for credit cards on behalf of her children. What are her options?
  • Secured Card Helps Build Credit History - Prompt payments on a secured card can help you graduate to a regular credit card
  • Why Do Credit Unions Offer Great Rates? - Member ownership helps credit unions offer better rates than banks
  • Dr. Don Issues His FICO Letter Grades - What does a FICO score say about your credit rating?
  • What's In Your Wallet? - And what does it show? Check out this fun look at how your financial habits reveal your attitudes about money
  • Fame & Fortune: Cheryl Ladd Former television "Angel" now hangs out in "Vegas"
    In Critical Condition
  • Pay Home Debt before Credit Obligations - It is better to pay mortgage debt before credit debt
  • A Lifeline for Delinquent Borrowers? - Mortgage lenders desperately want past-due borrowers to open the mail and pick up the phone. That's the gist of the government's Project Lifeline
    Family
  • Confessions of a One Income Family by Marianne Giullian - 14 tools to make one income living possible
    Green
  • How to Use a Wringer Washer by Pat Veretto - Properly setting up and using a wringer washer
    Home and Auto
  • Form Follows Function and Frugality in Decorating by Stephanie Ann Welbest - Create a more interesting and unexpected decor
  • Refi: Weighing Fees and Rates - Senior reporter Holden Lewis answers common questions about refinancing
  • Save Big Money by Adopting 'Orphan' Car - When car divisions go out of business, you can save thousands on remaining inventory
  • Get Current on Payments before Trading - Trade-in options are limited if you are behind on your payments
  • Can't Void Car Contract 1 Year Later - It's too late to void a contract one year after purchasing a car
  • Salesperson Offers Bad Car Loan Advice - It doesn't make sense to take out a car loan just to boost your credit score
  • Lower House Payment May Be Costly - Refinancing at a lower interest rate sometimes can trigger higher long-term costs
  • How Did Home Values Fare in Your Area? - Get the 4th quarter results from NAR's national survey of existing home sales
  • Clickable Map: State-By-State Home Values - Check out how home values fared in your state over the past quarter
  • Can You Refi When You're Upside Down? - Many people now find they owe more than their home appraisal. What should they do? Senior reporter Holden Lewis, who covers mortgages and writes the Mortgage Matters blog, answers another batch of common questions about refinancing
  • Loan Based on Home's Fair Market Value - Lenders sometimes use appraised value when determining the financing of a home purchase
  • Who Might Buy Your Home? - Want to sell your property? Better know who is buying
  • Looking at the Typical Homebuyer - Take a look at your average homebuyer, from age to income
  • Why Someone Might Buy Your Home - Knowing why someone wants to buy a home might help you sell them yours
    Lifestyle
  • Savings for Singles - Making it work on a limited income
  • Clothing Expense Reduction by Michelle Giroux - How many alternatives do you know to buying clothes at full price?
  • Is Your Marketing Message Holding You Back? by Charlie Cook - Unlock doors to new business
    Your Taxes
  • Taxpayer Rights Just One Click Away - If you run into problems with the IRS this tax season -- or anytime -- there's a Web site you can visit to check out your taxpayer rights
  • Alimony Payment Tax Implications - When the end of matrimony leads to the start of alimony, each parting partner can feel the tax effects
  • Relief for Innocent Tax Filer - When one spouse fails to pay up on a joint tax return, the other can claim innocence to the IRS
  • Couples: File Jointly or Separately? - As a married couple, you probably share almost everything. But is that such a good idea when it comes to filing taxes?
  • Tax Savings for Home Renovation - Couple who spent $70,000 on home remodeling shouldn't expect much in the way of tax benefits
  • Tax Credits: A Better Way to Cut Your Bill - While deductions, itemized or standard, reduce your taxable income, credits cut your actual tax bill, dollar-for-dollar
  • Job-Hunting Tax Breaks - Tired of your job? Then get out there and look for a new one! Your search might even help cut your tax bill
  • Deducting Points on a Home Loan - There's a tax benefit to reducing your mortgage interest at closing
  • Don't Overlook These Itemized Deductions - Tallying up all your expenses can help you cut your tax bill, especially if you claim every deduction the IRS allows
  • Cut Your Taxes without Itemizing - You don't have to itemize to cut your tax bill. You might be able to claim some of these 12-plus deductions found right on the long 1040 form
  • Deducting a Business Loss - Advice for an artist who was stiffed by a gallery for $70,000 and wants a tax write-off
  • 5 Stupid Tax Mistakes - The top 5 ways to make your tax season bleak. Do these things and you are certain to wish you had not
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Apartment Bait and Switch - "We are paying $200 more a month than we originally agreed, but they have our signatures on the lease with the higher price. We should have read more carefully"
  • We Did It! - "Using our bonuses to become to debt free, except a mortgage, feels so much better than the 'keeping up with the Joneses' purchases we may have otherwise made"
  • Small Business Tax Breaks - Carlos wants to know if he should incorporate his booming small business. Should he?
  • We Wrote the Wrong Account Number - When paying bills, be sure you write the correct account number on the check so you can avoid Joel's mistake!
  • We Got Credit Cards for Christmas - "We couldn't bear to not see them open gifts Christmas morning, so we maxed out both credit cards," Cathy recalled
  • No Payments? It Feels Great! - "Adjusting to a newborn has been quite stressful, and it has been a huge relief to not have payments to worry about," Diane said.
  • Get Nothing Back - What is the key to having your tax refund equal zero on April 15?
  • Keeping the Checkbook - Handling money separately can be a recipe for disaster. Hear Dave talk about oneness in a marriage

    February 18, 2008
    Money
  • The Folly of Following the Crowd by Karen Kuebler - Key steps to break away from "keeping up with the Joneses" syndrome
  • 15 Money Moves for Tough Times - With a possible recession around the corner, here are some ways to prepare your finances
  • Fame & Fortune: David Baldacci - Successful author invests with his conscience
  • Exclusive: 2008 CD study - Can you get a better yield on a CD online or through a traditional bank? It depends on what you're looking for
  • Tax Rebate Winners and Losers - Capitol Hill maneuvering added millions of lower income folks to the rebate rolls. But some folks will not be getting Treasury checks in their mailboxes, including parents of college kids
  • Simple IRA's Return Shouldn't Be Zero - A couple should earn more than a goose egg on their Simple IRA
  • IRA Payout Mistake Difficult to Fix - A man who regrets taking a lump-sum IRA payout has little hope of reversing his error
  • Roth IRA Ideal for Aspiring Homebuyer - A Roth IRA is a good option for a man torn between buying a first home and saving for retirement
    In Critical Condition
  • Debt Collector Should Accept Effort to Pay - In the end, a professional collector will almost always accept your best effort to repay a debt
  • Relief from the Cost of Filing Chapter 7 - Who can help? A debt-ridden reader can't afford the cost of filing for bankruptcy
  • 'Frugal' Couple Has $30,000 in Card Debt - A couple describes themselves as "very frugal." Dr. Don Taylor is skeptical
    Family
  • An Old School Tool for New School Moms by Angelia Kane - Make your life run smoother with this tool from yesteryear
  • Teaching Kids to Resist Financial Temptation - Bankrate reviews the book "Raising Money Smart Kids," on how to instill fiscal values and teach money lessons to kids of all ages
    Green
  • Gardening for (Almost) Nothing by Pat Veretto - Grow some of your food for much less than you'd pay for it
    Home and Auto
  • CFL Bulbs and Lampshades - Making your lampshades work with CFL lightbulbs
  • Home Foreclosure by Rahmi Sari - What to do when you're in foreclosure
  • Replacing an Alternator Ask Bob: The Auto Answer Man - Is replacing an alternator a do-it-yourself job?
  • My Story: Buying a New Car contributed by Jessica C. - How we saved money buying our first new car
  • Frugal & Fun Country Decorating by Monica Resinger - You don't need a lot of money to create a charming home
  • Tub Time by Marlene Alexander - Renew the area around the bathtub without a lot of bother or bucks
  • Mortgage rates are dropping and you're one of the lucky few with equity and good credit. You can refinance, but should you? Here are the questions to ask yourself
  • 'No Money Down' Mortgages Tough to Find - The subprime lending debacle means "no money down" mortgages are much harder to find
    Lifestyle
  • 10 Great, Cheap Ways to Win Her Heart - In the spirit of healing a romantically divided nation, here are 10 wonderful ways guys can enjoy this annual affaire de coeur without gratuitous spending
    Your Taxes
  • Filing Your State Tax Returns - Most states collect income taxes, too. And most want them on the same date your federal return is due. Check out our state tax roundup
  • Maximizing Medical Deductions - Check out these often-overlooked ways to make your doctor bills pay off at tax time
  • Paying Taxes in Installments - Couple can still claim part of a refund on a joint return if outstanding taxes are due
  • Casino Prize Brings Hefty Tax Bill - Couple drives away with a big casino prize, but loses when the tax bill comes due
  • Tax Consequences of Flipping Real Estate - Flipping has flopped in many areas of the country, but it still can be a worthwhile investment option as long as you also are aware of its potential pitfalls
  • Party Hard, and With a Tax Break Too? - A reader wants to know how much he can deduct for an employee holiday party
  • Yes, There Are Some Good Taxes - Some state and local levies can reduce your federal income tax bill
  • Saving on Energy Costs and Taxes, Too - Some common home improvements can help you cut your 2007 tax bill. And a few tax-saving options will continue in 2008
  • A Look at All the Capital Gains Rates - If you've been a patient investor, Uncle Sam gives you a break at tax time
  • Can Lawyer's Fees Be Deducted? - A reader wants to deduct attorney fees that were paid as a result of an unlawful discrimination lawsuit
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • I Deserved a New Jeep - With no money down, I drove off the lot with a $20,000 debt, Rob said. But that's not the only stupid tax mistake he made...
  • A Retail Associate's Insider Report - Lin worked at a department store last summer and shares some of the many stupid taxes she witnessed
  • Whole vs. Term - John is off ... WAY OFF ... when he thinks that whole life insurance is better than term life
  • Debt After Bankruptcy - What happens when you declare bankruptcy, but someone says you still owe money?
  • The Quixtar Job - Someone wonders if you can find success with multi-level firms. Dave says yes, but it involves paying a price
  • Stock After Death - Glen's mother passed away, and he's not sure how the stock she left him will be valued. Can Dave answer this?
  • Blow Money? - One listener asks if the budget should include a "blow money" envelope; and if so, where?

    February 11, 2008
    Money
  • Pay Off Holiday Debt by Kristen Garrett, Advantage Credit Counseling Service - Getting back on the financial track
  • Great Expectations by Bob Osgoodby - Many regret their decision to leave the corporate world to work at home. Where did they go wrong?
  • Where the Candidates Stand On the Subprime Credit Problem - Take a look at where your favorite stands on the issue
  • Don't Dwell on College Savings Options - 'Analysis paralysis' can be the enemy of a sound college savings strategy
  • Savers Survive Fed Cut - The Federal Reserve doesn't do savers any favors when it lowers its target for the federal funds rate. Fortunately, financial institutions are clamoring for deposits and offer high-yield CDs, savings or money market accounts
  • Fame & Fortune: Laura Leighton - The former "Melrose Place" vixen thrives on comfortable family life
  • Who Wins, Who Loses with the Fed Rate Cut? - The Federal Reserve cut interest rates again. How will this affect your bottom line?
  • Tap IRA for Quick, Penalty-Free Cash - In a pinch, an IRA distribution can provide you with a 60-day, penalty-free infusion of cash
  • Cancel Credit Cards Gradually - Canceling credit cards gradually can help keep the luster on your credit score
  • 72(t) Lets Retirees Tap 401(k) Early - A 72(t) distribution allows you to access 401(k) money early without paying a penalty
    In Critical Condition
  • Can Creditor Garnish Bank Account? - Protecting Social Security disability from collectors
  • Paid-Off Mortgage Boosts Credit Score - A paid-off mortgage will continue to boost your credit score -- but not forever
    Family
  • Marvelous Movies on a Budget by Shaunna Privratsky - Pay less for a great movie that the whole family can enjoy
    Home and Auto
  • The Container Theory of Life by Anne Heerdt - Turning boundaries into an advantage
  • Residential Airpark Living Takes Off - Pilots are not the only people landing in airparks, a surprisingly affordable real estate niche that is flying above today's housing market turbulence
  • True Cost of Not Maintaining Your Car - Pinching pennies by delaying car repairs can cost you hundreds -- or even thousands -- of dollars over the long run
  • Buying, Renting Both Good Options Now - Lower housing prices and sinking mortgage rates mean now is a good time to either buy or rent
  • Extra Payments Can Trim Decade Off Loan - Making extra payments can save thousands off the cost of a mortgage
    Lifestyle
  • Hard to Fit Women's Clothing - Finding tall and plus sized bargains
  • Simplify, Shop Wisely and Spend Less by Marianne Giullian - Cut your grocery bill
  • The Effective Use of an Electronic Planner by Denny Phillips - Keep organized and save your time and your sanity
  • A Few Stitches to Savings by Phyllis Guth - How a little sewing knowledge can save you money
  • The 20 Fastest Growing Jobs in the Nation - These careers will experience the most growth over the next seven years. Find out what these jobs pay and what education is necessary
  • Is Now the Time to Buy HDTV? - With the federally mandated switch from analog to digital TV only a year away, now may be the time to buy
    Your Taxes
  • Deducting Mortgage Loan Points - Don't overlook the points you paid to get a lower mortgage rate. They can be a useful tax break
  • Safe Bet: IRS Won't Get Gambling Winnings - The law says you're supposed to share with Uncle Sam if you make a successful wager on the Super Bowl. The odds say you won't
  • Don't Give Uncle Sam Early Access to Cash - Did you just discover you're getting a big tax refund? Then you need to adjust your withholding
  • Who Qualifies as a Dependent? - Son's rehab and support may be tax deductible
  • 5 Homeownership Tax Myths - Owning a home usually provides substantial tax breaks. But sometimes, the tax code's complexity gets in the way
  • Getting Your Tax Info - Still waiting on 1099 forms so you can file your return? Here's how to do your taxes without the actual statements
  • 10 Tax Laws You Gotta Know - Whether carried over from the past or new this year, here's a look at 10 important tax laws, how they'll affect your 2007 return and your 2008 tax plans
  • 5 Old Tax Laws, New Amounts - These five adjustments to existing tax laws also could affect your tax bill
  • Rebate for Low-Income Taxpayers - Workers have to qualify for earned income credit
  • Refund Loan Alternatives - These options can get you your tax cash fast at low or no cost
  • The IRS Can Help in Disastrous Times - There's no way to plan for a disaster. But the IRS offers help by allowing you to deduct casualty losses
  • Taxes on a Return of Investment - What to do when you win a lawsuit on a failed business opportunity, and then get hit with a 1099?
  • Tax Payments by Plastic Can Be Rewarding - You can collect reward points on several credit cards or debit cards by using them to pay your federal and state income taxes. But watch out for the fees
  • Love, Marriage and Taxes - Tax status for common-law marriage depends on the state
  • Win Your Office Super Bowl Pool? - Uncle Sam wants to know since he gets a cut of your gambling winnings. Here are the forms you need to report your good luck
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Making Good Grades - "When I was a freshman in college, I decided that the best thing I could do was make good grades and look good while doing it," Bethany said
  • More Money than Month - Mark and Jessica were on a very tight family budget, but they have pushed through the fighting and difficulties to Baby Step 3 and a great future!
  • It Wasn't Within Our Means - "I turned around, went back to the clerk, with tears, explaining that I could not keep this purchase," Jo Ann said
  • Not Saving Enough - Dave reads some scary stats about how much (or how little) people are saving for retirement
  • 30 and Bankrupt? - Tony is facing a steep mountain of debt at an early age. Is it too much?
  • Retire Without Insurance? - Karen has no idea how people can retire without healthcare coverage. Dave explains how it makes you a target

    February 4, 2008
    Money
  • The Emergency Owl by Amy Burns - An unusual legacy
  • Should Dad Co-Sign for Credit Card? - Helping a daughter rebuild credit after bankruptcy by co-signing on a credit card is risky
  • Multiple Donors Can Boost 529 Savings - Multiple individuals can each contribute the maximum to a single 529 plan
  • Using Equity to Pay Debt Can Be Risky - Using a refinance to pay down credit card debt can be risky
  • Surviving 2008 for Seniors - 2008 promises to be a financially tricky year. Here's what senior citizens need to do
  • Fame & Fortune: Dave Mustaine Heavy metal band Megadeth is still going strong after a quarter of a century
  • Get Rich Quick Or Lose Money Quick? - The prospect of getting rich quick has great allure, but the hucksters making the promises are the ones making the easy money
  • A Frugal Shopper's Best Tip - A cash-back credit card might make more sense than a rewards card
  • Credit Scores Don't Improve Overnight - It's difficult to improve your credit score quickly
  • Don't Blame Banks for Overdraft Fees - There's just one good solution to bank overdraft fees
    Family
  • Daughter Wonders Who Gets Dad's House - When there's no will, it can be difficult to find a way
    Baby Boomers
  • Surviving 2008 for the Middle Aged - Tricky year or not, here's how to handle it
  • Wanted: Adventurous Retirement - Bankrate reviews the CD "The Adventurer's Guide to Early Retirement," where the authors report how they ditched the working world at the age of 38
    Green
  • Tips for Shopping for a Wringer Washer by Pat Veretto - What to look for in a wringer washer
    Home and Auto
  • Garden Planning by Monica Resinger - The wisdom in keeping a garden journal
  • What Is Missing in Your Home Decor? by Kathy Wilson, The Budget Decorator - 3 basic things every room needs to feel "right"
  • Does It Make Sense to Refi? - Refinancing a mortgage is currently the most pressing topic for many homeowners. We answer the most common questions from readers
  • 6 Condo Insurance Questions - Insurance is an area where homes and condos differ. Ask yourself these questions to make sure you are properly insured
  • Mortgage Rates Fall Even Further This Week - Mortgage rates have plunged to levels last seen in the refinance boomlet of 2004. Homeowners are getting the message, contacting lenders and brokers in big numbers
  • Selling in a Sea of Foreclosures - With so many homes being sold as foreclosures, sellers who want to avoid the bottom-fishing buyers need to take extra steps to market their property
  • Several Ways to Estimate Home's Value - The Internet and local real estate agents can help you determine a home's value
  • Two Mortgages Separate when Refinancing - A second mortgage won't be a factor when determining whether a new first mortgage is a jumbo loan
    Lifestyle
  • Finding Frugal Friends - How do you connect with like-minded people?
  • Free (And Legal!) Software Tools by Jonathan Moeller - Function in the modern world without having to spend a dime on software
  • The Valentine's Day Challenge by Nancy Twigg - Express your love creatively
  • My Story: 10 Kitchen Tips contributed by Julie - Smart and practical!
  • Romancing The Dollar Store by Marlene Alexander - Surprise your ladylove with a couple of bucks and a few moments of your time
  • Introducing the Issues and Candidates - Bankrate picked six pocketbook issues and looked at where the candidates stand
  • Comparing the Candidates on the Issues - Want to see how your favorite stacks up against another candidate? This will do it
    Your Taxes
  • Don't Let Your Tax Break Get Washed Away - Did you sell a loser stock that's now rebounding? Before you buy it back, make sure you don't violate the wash sale rules
  • Good News! Not Everything Is Taxed - Uncle Sam wants a bite of most of your income, but there are instances where your money is taxed only partially or not at all
  • Taxes for Foreign Homeowner - Canadian snowbird's U.S. tax obligation depends on the home's rental activity
  • Foreclosure Tax Double-Whammy Eased - A new law should take some of the added tax sting out of losing a home to foreclosure
  • Small Incentive for Big Home Improvements - A reader is looking for a bigger credit
  • Household Help Tax Deadline - Did you hire someone to help around the house? Then you could have some tax housekeeping to do by Jan. 31
  • Mailbox Alert! Tax Documents on the Way - Before you can complete your return, you'll need these documents, which should start arriving any day now
  • Estate Planning and Taxes - Son could be named joint bank account owner, but there might be a better option in a sizeable estate
  • Getting a Replacement W-2 - If your wage statement gets waylaid, here's a substitute the IRS will accept
  • Figuring a Home's Capital Gains - CPA George Saenz advises a couple who is combining homes and wants the tax advantages too
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Bankrupt Girlfriend - One of Dave's listeners doesn't know how to help his girlfriend with her money situation. Can Dave do it?
  • Our Outrageous Dental Bill - $20 now turned into $1600 later!
  • Small Business Saving - Charles wants to know how best to save money for his sales business. It all depends on how long you want to save
  • Why It's Important to Talk - Leon took drastic measures and cut up his wife's credit cards. Does Dave agree, or could Leon have done things better?
  • Always Read Before You Sign - When it came time to sign the mortgage paperwork, I just signed all the red arrows, not noticing the financing arrangements
  • Buying Used? - Don't believe that buying a used car is smart? Maybe you should read this ...
  • 529 Basics - Need some quick tips to help you find the right 529 plan? Find them here

    January 28, 2008
    Money
  • Avoiding Payment Pain by Gary Foreman - Warning signs for the smart consumer
  • Starting a Daycare by Fiona Lohrenz - Knowing without a doubt that this is the career path for you
  • Internet Sites Make You the Banker - Internet sites such as Prosper.com offer rewards, but not without
  • CD Can Boost Returns of Emergency Fund - Parking your emergency fund in a CD may pay off
  • Pay Extra Principal in Lump Sum to Save - Making one large extra payment on a loan nets more savings than a series of smaller deposits over time
  • Owning a Piece of Luxury - Can't afford a yacht? How about a designer handbag? Fractional ownership lets you share and share alike with other consumers
  • 'Authorized User' Credit Rules Change - Rules have changed for how "authorized user" status impacts your credit
  • 6 Good Reasons for Multiple Credit Cards - Contrary to some popular opinion, you may be smart to hold more than the often recommended one to three credit cards
  • Best Home Equity Moves to Make in 2008 - What to do if you're using a home equity loan or HELOC in 2008
  • Fame & Fortune: Bret Michaels - Poison's lead rocker never forgets the business side of his passion
    In Critical Condition
  • Bankruptcy or Credit Counseling? - A monthly tally of expenses helps determine the best financial course
    Just Starting Out
  • Surviving 2008 as a 20-Something - 2008 promises to be a financially tricky year. Here's what you need to do
    Family
  • Saying 'No' to College Kids - Helping them move to adult finances
  • Baby Budget Blues by Angie Lencewicz - Knowing what's a must-have for a happy, healthy baby
  • My Story: Funding College contributed by Terry - How to send your kid to college with no college fund
    Baby Boomers
  • Retirement Saving for Beginners - Bankrate's book review of "Saving for Retirement" looks at a primer for the greenhorn investor
  • A Quick Look at Retirement Accounts - A review of the pros and cons of the various types of accounts
  • Best Retirement Moves to Make in 2008 - If it's years away or around the corner, it's time to start your planning
  • Weighing Country vs. City Living in Retirement - Before you decide that your retirement paradise is Green Acres or Park Avenue, do a needs assessment to determine the best lifestyle for you
  • Health Insurance Hard to Find for Over-50 Crowd - Insurance laws differ from state to state, and the rules in some states are more consumer-friendly than in others
  • Funding Retirement with Rental Income - Some people believe there is retirement gold in buying a piece of property -- and they are often right
    Home and Auto
  • No Reservations by Christine Karpinski - The surprising up side to buying a vacation home in a less than stellar real estate market
  • Take Charge of Foreclosure Process - Sitting back and letting things happen is not your best strategy
  • 100 Percent Financing a Bad Idea - Even a small down payment will save you on interest
  • Will Your Lender Let You Do a Short Refinance? - If homeowners facing foreclosure could get the bank to refinance their homes at their current values, they could keep their houses. But lenders don't want to do these short refis. Here's why
  • Mortgage Rates Fall to Mid-2005 Level - Mortgage rates have dropped to their lowest levels since the summer of 2005, as more people become convinced that the economy is in a housing-led slowdown
    Lifestyle
  • Cut Costly Prescription Prices by Shaunna Privratsky - Get relief from the high cost of prescription drugs
  • A Unique Valentine's Day Gift by Melanie Farkas - Five dollars or less!
  • Customer Service Mistakes - Are you beginning to feel unloved as a consumer?
  • Health Plan Pitfalls to Watch For - Some insurance companies dig deep in your past, searching for reasons why they shouldn't pay your claims
    Your Taxes
  • Some Autos Can Save More Than Gas - If your timing is right, a vehicle that runs on alternative fuel could provide big tax breaks
  • Special Rules for Some Donations - If some of your year-end donations are items instead of cash, you'll have to follow some different deduction rules
  • Club Team's Tax Filing Status - Volleyball club could file for tax exempt status
  • Triple Tax-Refund Saving Option - Uncle Sam now makes it three times easier to stash your tax refund cash with a new multiple direct deposit option. But be careful!
  • Rolling the Dice with the IRS - The IRS provides scant guidance on gambling wins, losses
  • Flexible Spending Accounts Save Money, Cut Taxes - With a flexible spending account you, not the IRS, will have extra money to pay child care and medical costs
  • Bad Investments Can Be Good Tax News - Plummeting stock prices can cast a dark cloud, but at tax time they offer a ray of write-off sunshine in the form of capital losses
  • Deducing the Best Deduction Method - Deductions reduce your taxable income. Here's how to determine whether the standard or itemized approach will help you get the smallest tax bill
  • Are Betting Spoils Taxable? - The type and amount of gambling winnings determine if they are reportable
  • What Are Your Tax e-Paying Options? - The IRS would like you to pay electronically
  • Is a Commute Tax Deductible? - Commuters try to rev up employer's tax benefits at their own peril
  • Hiring a Tax Pro - This year, you decided to turn your taxes over to a paid preparer. But which kind of tax professional is best for your filing needs?
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • A Lesson in Car Buying - Decent interest, deferred payment for 3 months, and no barganing sounded great, even though I didn't have a job," Erin said
  • A Big Wreck - What happens when you total a car and have no insurance? Can you keep the car you hit if you are paying for the damages?
  • Debt Free In Milwaukee - We had to make some hard decisions, but in one year we paid off the rest of our debt, fully funded our emergency fund, and took a big vacation to celebrate being debt free
  • Are Mutual Funds Better? - Hear why Dave explain why stocks aren't as good as mutual funds when saving for retirement
  • Curing House Fever - Julie and her husband are so ready to buy a house ... but Dave thinks otherwise

    January 21, 2008
    Money
  • Financial Happenings in January - When it comes to personal finance, you can learn a lot about what will happen by looking at what has happened
  • 7 Steps to Financial Abundance - Practice these steps to increase your financial abundance and reduce fears of scarcity
  • Best Insurance Moves to Make in 2008 - Nobody wants it, but everybody needs it. Here's how to make the best of insurance in 2008
  • 401(k) Fundamentals - America's most predominant retirement plan enables you to save on a tax favorable basis
  • Think Twice before Killing Credit Cards - Cutting up your credit cards may be unwise, even if you struggle to use them responsibly
  • Ten Commandments of Personal Finance - Follow these commandments to get your financial life in order
  • Best College Financing Moves to Make in 2008 - Trying to pay for a child in college? Here's some ways to make it easier
  • Fame & Fortune: Eddie Izzard - The comedian and actor on FX's "The Riches" claims to be a bit of a hustler
  • Best Banking Moves to Make in 2008 - How you handle your checking and savings accounts can make a difference in 2008
  • Best Investing Moves to Make in 2008 - Plan to do some investing in 2008? Here's some tips on how to invest smarter
  • inning the Game of Investing - It's all about the fundamentals
  • Should You Open a Brokerage Account? - An ocean of options can sink novices who try to captain their financial ship
  • Rebuild Damaged Credit Cautiously - It's important to tread lightly when trying to rebuild damaged credit
  • Co-Signer's Options: 'Bad' and 'Worse' - If you co-sign for a loan and things go bad, your options may be "bad" and "worse"
  • How Much Plastic Is More than Enough? - If your credit is good, don't worry about how much plastic is in your wallet
  • Savings History Hardly Impacts Credit - Closing a savings account should barely impact your credit score
    In Critical Condition
  • Will Chapter 7 Help Graduate? - Advice for a reader whose college degree comes with $165,000 in debt
    Just Starting Out
  • Will Chapter 7 Help Graduate? - Advice for a reader whose college degree comes with $165,000 in debt
    Family
  • Perfect Prom for Pennies by M. Carole Wyatt - Cutting expensive formal events down to size
    Baby Boomers
  • It's Back to School for Older Workers - To meet growing demand, community colleges have developed programs geared to keep the 50-plus crowd competitive in the work force
  • Getting an Edge in the Job Market - The AARP Foundation's WorkSearch program enables older workers to assess their skills, get training and land jobs for which they are best suited
    Green
  • Wringer Washers by Pat Veretto - The ultimate frugal laundry machines
    Home and Auto
  • Biweekly Mortgage Payment Programs by Damon Carr - Savings or scams?
  • Auto Loan Prepayment Penalties by Gary Foreman - There's more than one way that you can be penalized
  • Radio Serial Number - Ask Bob: The Auto Answer Man
  • Mortgage Rates Plunge to Two-Year Low - Mortgage rates hit their lowest point since September 2005
  • Tap Home Equity Instead of Refinancing - A couple with a great mortgage rate may want to consider a home equity product instead of refinancing
    Lifestyle
  • Digital Scrapbooking - Going digital for less
  • Shopping on eBay by Matia Bryson - Learning your way around the online shopping mall
  • Getting Those Recipes Organized by The Dinner Diva, Leanne Ely - A fast and easy method for getting recipes in order
    Your Taxes
  • Best Tax Moves to Make in 2008 - Nobody likes to pay taxes. Here's what you can do to cut the costs
  • New Tax Breaks A Relief to Homeowners - Three tax laws enacted in December promise help for homeowners
  • Getting Tax Help to Care for Your Parents - Millions of adult children find themselves looking after aging parents. If you qualify, tax laws offer some help
  • Is Child Support Considered Income? - Child support does not qualify for earned income credit
  • Capital Gains and Your Home Sale - Since the rules changed in 1997, it has been one of the best tax breaks around
  • First-Time Home Buyers' Guide to Taxes - If you bought your first home last year, you'll need to know about all the deductions
  • Tax Breaks for Homeowners - There are lots of tax reasons to own a home. Here's how to make the most of them and avoid the pitfalls
  • Bankrate's 2008 Tax Guide - It's tax season again. Some of the rules have changed, but don't worry. Bankrate's 2008 Tax Guide provides all the tools and information you need to successfully file your 2007 return
  • 2007 Individual Tax Brackets - Federal personal income tax rates for 2007 tax returns
  • Making Your Kids Pay Off at Tax Time - Your child depends on you year round. But at tax time, you can turn that dependent status into tax savings
  • Computing Capital Gains - The holding period of a mutual fund determines the amount of tax
  • Selecting a Tax Software Program - Taxes can be quick and easy as long as you get the program that fits your needs
  • A Look at All the Capital Gains Rates - If you've been a patient investor, Uncle Sam gives you a break at tax time
  • Playing IRS Catch-Up - The IRS wants to make good with non-filers
  • Electronic Tax-Filing Options - Join the majority of taxpayers who file electronically
  • The Tax Joys of Parenthood - Here's how the chip off the old block can help you chip away at your tax bill
  • Filing Guidelines for Military Personnel - If you're in the service, your taxes get special treatment, especially if you're in a combat zone
  • Losing Your Job Can Be Taxing - If you collect unemployment, it's taxable
  • Getting Full Tax Credit for Your Kids - Thanks to the child and additional child credits, your young family members can be a tax benefit
  • The IRS Might Have a Gift for You - The IRS has $110 million in unclaimed tax refunds waiting for 115,000 fortunate filers
  • 7 Tax Terrors and How to Overcome Them - You can beat these common tax bogeymen
  • 13 Basic Tax Lessons - Knowledge is power that can help you cut your tax bill
  • Finding the Right Tax Preparer - You can protect yourself from tax scams and headaches
  • You Can Start e-Filing Taxes Now - The annual e-filing season for the majority of taxpayers begins now
  • Filing Taxes on an S Corporation - The corporation's tax year determines the due date of its returns
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • "Brand New VCR's" - The great parking lot deal
  • College and Credit Cards - If I had only known
  • Balance Spending and Saving - Husband and wife disagree on priorities

    January 14, 2008
    Money
  • Credit Card Balance Transfers by Bill Hardekopf, CEO of LowCards.com - Tips for transferring credit card balances to a lower rate
  • Cast-Off Cash by Margaret Marquis - Easy options for making some extra cash
  • 7 Easy Steps to Saving $1,000 This Year - Small changes to your spending habits really add up over a year
  • Best Credit Card Moves to Make in 2008 - Want to make the best use of your credit card in 2008? Here's how
  • Rival State's 529 Often a Better Choice - When choosing a college savings plan, don't be afraid to look across state lines
  • Fame & Fortune: Sue Fleming - Fitness author and trainer preaches her "buff" lifestyle to the masses
  • 8 Smart College Money Moves in '08 - There are eight things to keep in mind if you are saving for college in the coming year
  • Creditor's Woes May Spread to You - When a creditor declares bankruptcy, you may pay a price, too
  • Cashing Bond Won't Keep It from Estate - Cashing out a bond and moving the proceeds into a CD won't protect the money from your estate
    In Critical Condition
  • Know Your Rights in Bankruptcy - Collectors sometimes come calling even after debt is discharged
  • Are You Guilty of Financial Infidelity? - Fibbing to your spouse about money matters may seem innocent, but it can strike at the very foundation of a marriage
  • 9 Financial Signs of Marital Infidelity - Financial infidelity is bad, but it's even worse when it is used to engage in an extramarital affair
  • Quiz - Are you guilty of financial infidelity? Take our quiz and find out
  • Price of Love Gone Bad? $16,000 - A woman's former flame burned her for $16,000. Now, she needs a plan to get rid of her debt
    Just Starting Out
  • Tax and Wedding Planning - As she plans her wedding, Lori Roberts wants to know the best way to sell her property to minimize her tax exposure
  • Preparing Finances Before the Wedding - Lori and Steve receive advice about their financial situations before they exchange wedding vows
    Baby Boomers
  • 7 Tips for Retirement Entrepreneurs - Starting a small business can add green to your golden years, but also presents special challenges
  • Early Retirement Elusive for Now - Linda and Pete Coulter have established good savings habits, but they may need to move their target retirement age from 55 to 60
  • 8 Retirement Plan Mistakes - Making these mistakes with your 401(k) and other retirement plans can jeopardize your retirement
  • Early Social Security Can Hurt You Twice - Beware of taking Social Security early, especially if you plan to keep working
    Home and Auto
  • The Art of the Car Deal by J.A. Livingston - What can you learn from a car salesperson?
  • Make the Best of What you Have by Monica Resinger - Making your current house the house of your dreams
  • Best Auto Moves to Make in 2008 - Buying a car in 2008? Here are some of the things to look at
  • Will Bargain Gas Harm Your Car? - Should you fill up at a bargain gas provider or stick to the major brands?
  • Keep Car until Loan Balance Tips Your Way - Paying down debt on a car should be the first step for a military man hoping to buy a house
  • Trading in Car Early Likely to Cost You - Sure, you can trade in a car three months after buying it. But you'll likely have to pay up
  • Government Unlikely to Buy Old Auto - Is the government really paying $3,000 for old cars?
  • Creative Financing Might Spark Home Sale - Supply is high and demand is low, especially with tighter loan standards. How to sell? Get creative
  • Save by Waiting Out Mortgage Penalty - Timing can be everything when it comes to prepaying a mortgage
    Lifestyle
  • Special Adult Birthday - Make that day really special for less
  • Designer Results at Bargain Prices by Sandy Carter - Tackle decorating projects like a pro
  • Learn a New Skill Frugally! by Jessica Snell - What you know could save you money
  • The Twelve Months of Christmas by Rachel Muller - Avoid packed stores in December and nasty bills in the New Year
    Your Taxes
  • Figuring Out Your Tax Filing Status - Picking how to file isn't as easy as it appears. There are five options, each with special requirements and advantages
  • Taxing Stock Gains, Losses - There are different ways to calculate a stock's cost basis
  • Who Has to File a Tax Return? - Not everybody has to submit a 1040. Just what are the rules?
  • Choosing Your Tax Return Form - The 1040, 1040A and 1040EZ each offer taxpayers different filing options. Which is right for you?
  • When Business Profits Count - What happens when a business never sees a profit?
  • Alternative Minimum Tax Still a Threat - Congress 'patched' the AMT, but if you have lots of exemptions or claim several deductions, you still may face this costly additional assessment
  • Cash vs. Accrual Basis Accounting - Self-employment tax method depends on the type of business
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Quit Smoking? - What should you do with the money?
  • Staying Afloat - Sharon's husband owns a small business that is just starting to make money. How can they avoid stupidity?
  • Tightwad vs. Deceiver - One is tight with money and the other is dishonest. Can Dave help them?

    January 7, 2008
    Money
  • Best No Load Mutual Funds by Michael Weiss - Learn why mutual fund research matters!
  • Guaranteed Income Via Your 401(k) - A new kind of plan that allows you to annuitize a pension can provide a predictable income stream in retirement
  • Forecasting the Future - What best-selling author and money manager Harry S. Dent sees
  • 529 Rules Apply to Many Foreign Schools - Many foreign schools are eligible under the rules permitting tax-free withdrawals from a 529 plan
  • 4 Things Women Should Know About Credit - Women who are naturally nurturing are more likely to put their credit at risk
  • Fame & Fortune: Howie Mandel - Actor strikes his own 'deal' on an unusual route to stardom
  • 8 Smart Personal Finance Moves in '08 - Eight tips (plus a bonus idea) for making the right personal finance moves in 2008
  • Customer Service Advice from Experts and Insiders - With a little know-how, you can avoid credit card customer service nightmares
  • Experts: Santa's Business in the Red - Sure, Santa is a great guy, but financial pros evaluating his business model aren't jolly about his net worth
  • Trading Costs Key to T-bill Yield - Trading costs play a pivotal role in how much money you earn on a 28-day Treasury bill
  • Match College Savings Plan to Budget - Your budget determines which college savings plan is right for you
  • Will Being Inactive Hurt My Credit Score? - With your credit history, it shouldn't do any harm
    In Critical Condition
  • Afraid to Lose Your House or Car? by Gary Foreman - The sooner you clean and dress the financial wound the better your chances of a recovery
  • Clearing Past Debt with the IRS - It's possible to eliminate back taxes while in Chapter 7 bankruptcy
  • 8 Reasons to Manage Debt in '08 - Debt can have a devastating effect on your life
  • Top 8 Bankruptcy Tips for '08 - The housing crisis leads the way in bankruptcy despair, but being proactive can help ease the pain
  • Move Home or Change Your Ways - You might have to swallow your pride to get by
    Family
  • Frugal Frivolity by Lyn Michaud - Having fun relieves stress
  • Kids and Money by Sam X Renick - Interview with Garrett Sutton
    Home and Auto
  • "Charge" Your Car? - Should they transfer their auto loan to a credit card?
  • Frugal Storage Solutions by Amy Allen Clark - Organize your home in a frugal way
  • First Aid for the Bathroom by Marlene Alexander - Bringing back a little life to an outdated room
  • 8 Moves for Home Buyers, Sellers in '08 - A chastened housing market bodes well for buyers; sellers are in for more pain
  • 8 Smart Moves for Car Buyers in '08 - Plan to buy a new or used vehicle in the coming year? Here are eight things you should be doing now
  • Faxed Purchase Order Is Binding - A contract is a contract, even if it's faxed
  • Selling Low-Mile Lease May Net Profit - It may be profitable to sell a lease if the market value of the car exceeds its residual value
  • Best Mortgage Moves to Make in 2008 - What to do about your mortgage in the year ahead
  • Don't Refinance Brand-New Mortgage - The expense of refinancing makes it a poor option for people with a new mortgage
  • No Sense Fighting Mortgage Insurance - For some loans, trying to eliminate mortgage insurance is more hassle than it's worth
    Lifestyle
  • My Story: Frugal Beauty Tips contributed by The Diva - Budget-friendly tips to look great and feel great on the cheap
  • The Rules of Re-gifting by Shaunna Privratsky - If done right, re-gifting can benefit you and the new recipient
  • Medicare Part D Explained - Today begins the six-month enrollment period for this prescription drug program. Carefully evaluate your options before signing up
  • A Frugal Shopper's Best Tip - Knowing when to buy can save you big bucks
  • Happy Returns? - It all depends Returning items - especially holiday gifts - can be a real pain. Here are easy tips to make the chore easier
  • 14 Ways to Save on Your Spa Experience - You can get a great treatment and save some money too
    Your Taxes
  • 8 Wise Tax Moves for '08 - These tax tips can help lessen the grip of Uncle Sam
  • When Does AMT Apply? - Alternative minimum tax looms for more taxpayers next year
  • Adjust the Tax Withheld from Your Paycheck - If you get a big refund every year, you're giving the federal government an interest-free loan. Instead, fill out a new W-4 form
  • 10 Smart Year-End Tax Moves - Make time for taxes this month. The moves you make by Dec. 31 could cut your 2007 tax bill
  • Is There Recourse for IRS Mistake? - Nonrefundable fee is a bitter reminder of an IRS levy on a bank account
  • Working on Your Taxes? Get Organized - Filing your taxes can be less frustrating and less time-consuming when you have all the material at your fingertips
  • Deducting Drug Rehab from Taxes - Drug rehab medical expenses for family member may be deductible
  • Do Taxes Yourself or Hire a Pro? - Most Americans dread doing their annual tax-filing chores. But all have to determine whether to do it themselves or hire an expert
  • 10 Common Tax-Filing Mistakes to Avoid - The IRS and tax pros say taxpayers are prone to making these errors every year, which could be costly and cause delays
  • Understanding Your Tax Bracket - The U.S. tax system is progressive, with individual tax amounts currently spread over six income brackets
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Survey Scam - I am determined to get my $39.95 back if it takes me 2 years!
  • Avoid Work from Home Scams - Find out which businesses from home are legit, and which are not
  • Still Paying for Wedding Dress - They've celebrated their first anniversary and she's still paying...

    December 31, 2007
    Money
  • Financial Resolutions by Gary Foreman - Simple steps to a brighter financial future
  • Young or Old: What To Do in 2008 - 2008 promises to be a financially tricky year. Here's what you need to do
  • Ways to Spend Your FSA - Use your account funds to pay for these items by Dec. 31 so you don't lose it
  • Pay Late Fee, Even If It's Not Fair - Sometimes, it's better to pay off an unwarranted late fee rather than risk hurting your credit
  • Fame & Fortune: Henry Simmons - "Shark" actor knew he wouldn't be a starving artist for long
  • Courtesy Overdraft: Often Bad for Consumers - Bankrate's exclusive survey shows that the average courtesy overdraft fee is $29. But there are steps to take to avoid the fees
  • Traditional vs. Courtesy Overdraft - What are the differences between overdraft programs? This comparison chart will help you understand
  • Which Checking Overdraft Plan Is Best? - The best plan depends on how you manage your checking account. Knowing the difference will help you choose the best one for you
  • 2007 Courtesy Overdraft Survey Results - Bankrate's exclusive survey of courtesy overdraft plans offered by the top 10 banks and thrifts in the top 10 U.S. markets
  • 401(k) Funds Protected by Law - Federal regulations should keep your investment safe
  • Man Escapes Wife, But Not Her Expenses - A husband who separated from his wife should see a lawyer so he can move on financially
  • CDARS Helps You Protect More Money - Banks that participate in the CDARS can help you guarantee the safety of up to $50 million
    Family
  • Like Father, Like Son - When kids pick up their parents' bad money habits
    Green
  • Mill Your Own Flour by Pat Veretto - A home flour mill makes the cheapest and best whole grain bread
    Home and Auto
  • Get Paid To Drive by Jeffrey Strain - Reduce your driving expenses with little effort
  • Longer Car Loan Can Handcuff Buyer - An industry trend toward longer car loans may not be a good bet for buyers
  • When Dad Dies, Who's Liable for Lease? - Is the finance company's claim against the estate or the son?
  • Get Receipt When You 'Surrender' Car - Get a receipt if you have to "voluntarily surrender" your car
  • New Freddie, Fannie Fees Boost Mortgage Cost - Mortgage fees are getting more expensive for a lot of people, as Fannie Mae and Freddie Mac move to risk-based pricing
  • Lender Has Final Say on Flood Standard - The government's standard for minimum flood insurance coverage is not necessarily the last word
    Lifestyle
  • You Don't Have to Be Wealthy to Get Healthy by Tricia Goss - Trim your waistline without slimming your pocketbook
  • New Year's Lessons by Tamara Wilhite - Self improvement without selling yourself to the bank
  • 8 Must-Know Tips about Gift Cards - Here's what you need to know before giving a gift card and tips for spending one
  • Finding Where the Jobs Are - Where are the jobs going to be in 2008?
  • Best Places to Find a Job - An interactive map shows where the jobs are likely to be in 2008
    Your Taxes
  • Window Tinting Can Mean a Tax Credit - Uncle Sam will help pay for this simple energy-saving home improvement. But act soon; this tax break expires at the end of the year
  • Deducting Mortgage Prepayment Penalty - Mortgage penalty is deductible in job-related home sale
  • Profits Retained in LLC Are Taxed - LLC structure not a good choice for an operating business
  • Some Hybrid Tax Breaks Slipping Away - To get the maximum federal tax credit on a Honda hybrid, buyers must purchase one (and drive it off the lot) by Dec. 31
  • COBRA Reimbursements Not Taxable - Employers often use cafeteria plan to exclude health insurance from wages
  • Ways to Pay Off a Big Tax Bill - The IRS does offer several payment options. But do file your taxes or you'll owe huge penalties
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Avoid Work From Home Scams - Find out which businesses from home are legit, and which are not
  • Still Paying for Wedding Dress - They've celebrated their first anniversary and she's still paying...
  • College Funding - What's the best way to invest for college?
  • Checking Charities - Here are some tips to help you know about what charity you give to

    December 24, 2007
    Money
  • My Son's Auto Loan by Gary Foreman - What we can learn from a painful financing experience
  • The Best and Worst Money Moves of 2007 - From investing to credit to spending, here are some of the wisest and not so wise financial moves for the year
  • Don't Donate to Fake Charities - Scammers are out to take advantage of your good intentions
  • 12-Step Program for Fiscal Health - Working your way to financial fitness one step at a time
  • 'One for the Road' Could Cost a Fortune - Before you decide to have one more before leaving that holiday party, consider the financial devastation it could bring you and your family
  • 403(b) Changes May Boost Nest-Egg Returns - A recent overhaul of 403(b) plans could make these retirement plans more lucrative
  • Fame & Fortune: Nikki Sixx - The diaries of Motley Crue's bassist reveal the truth behind the legend
  • Fed Meeting: Winners and Losers - Learn how the Fed rate change will affect mortgages, credit cards, home equity, auto loans and more
  • Big Cash Transfer Shouldn't Raise Alarm - One big wire transfer should not cause trouble -- unless you have something to hide
  • More Than One Way to Keep $600,000 Safe - There are several low-risk ways to keep $600,000 safe and secure
  • Mom Co-Signed, but Dad May Be Liable - In certain U.S. states, spouses may be responsible for loans co-signed by their beloved
    In Critical Condition
  • Co-Signer's Liability in a Mortgage - Filing for bankruptcy doesn't release the co-signer from his obligation
  • Speak Before You Snip Wife's Cards - If the touchy-feely approach doesn't help a spouse eliminate debt, don't be afraid to try a little tough love
    Family
  • Molding the Savvy Young Shopper by Kathleen D. Frassrand - Turn a trip to the grocery store into an educational outing
  • My Story: Cloth Diapers contributed by Paula - Making cloth diapering and laundry easy and affordable
    Home and Auto
  • Buy Car with Cash if You Can - It is always best to use cash to buy depreciating assets such as cars
  • Hybrid Lease Payments May Rise Soon - Results of a new study may make hybrids less economically attractive
  • Insurance Lapse Costly if Car Is Stolen - Dropping comprehensive coverage to save money can backfire if your car is stolen
  • Terms Set Once You Sign on Dotted Line - It's tough to renegotiate terms once you sign a contract
  • Nuts and Bolts of Mortgage Relief Plan - Find out the details of the subprime mortgage rate freeze plan, and if it applies to you
  • Car Loan Shouldn't Hurt Home Refinance - If you have good credit, a new car loan shouldn't hamper your ability to refinance a home loan
  • Extra House Payment May Help Cancel PMI - Paying down extra principal on your home loan may help eliminate private mortgage insurance
    Lifestyle
  • Frugal DNA by Steve and Annette Economides - What is a Dollar Stretcher made of?
    Your Taxes
  • Tax on Short-Term Disability - Whether disability is taxed or not depends on the type of deduction
  • Early Mortgage Payment Could Cut Tax Bill - Make your January mortgage payment by Dec. 31 and you'll have extra interest to deduct on your upcoming tax return
  • Claiming Exempt Status - A reader was misinformed about filing a W-4, and fears severe IRS action
  • 10 smart year-end tax moves Make time for taxes this month. The moves you make by Dec. 31 could cut your 2007 tax bill
  • Alert IRS to Suspicious Company - Employer is obligated to provide a W-2 if taxes are withheld
  • Good Deeds Can Equal Good Tax Breaks - Charitable acts can help cut your tax bill if you follow the IRS rules
  • Special Rules for Some Donations - If some of your year-end donations are items instead of cash, you'll have to follow some different deduction rules
  • Donation Value Worksheets - These worksheets will help you determine the tax value of your charitable gifts
  • Taxes Made Easy - Bankrate's 12th Financial Literacy series installment helps consumers understand the inexplicable: taxes
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Don't Fall for Payday Loans - Just because your coworker thinks something is a good idea doesn't make it a good idea! Learn from April's Stupid Tax...
  • Our Real Estate Stupid Tax - My husband and I got caught up in the 'get rich in real estate' hype...
  • Losing Money With Whole Life Insurance - In contrast, my employer gives me over $250,000 a year in coverage for about $50 per year!
  • Our 2 Year Journey - In less than two years, we eliminated over $25k in debt between student loans, car loans, and credit card debt!
  • Social Security - Vincent is saving for retirement, and asks Dave if he should count on anything from Social Security

    December 17, 2007
    Money
  • A Different Kind of Financial Security by Rachel Muller - How can you make yourself more secure?
  • Comparing Financial Options by Gary Foreman - Creating a comparison you can understand
  • Financial Forecast 2008 - Bankrate looks back over the events in 2007 that hit consumer pockets and forward to 2008 for ways to stretch earnings
  • Plans Help Fund Grandchildren's College - Several options are available to help you save for your grandchildren's college expenses
  • Fame & Fortune: Danica McKellar - Math 'wonder' grows into roles as actress and author
  • Upgrade to Rewards Card without Depressing Credit - Want to upgrade a card from standard to rewards but not affect your report? Ask for a bridge to the new account
  • Refiguring Finances in a Divorce - Jennifer Haeselich needs to assess her financial position as she begins divorce proceedings, including an assessment of her estate plan
    In Critical Condition
  • Paying a Mortgage Deficiency - Even after a home is foreclosed, the deficiency comes due
  • Can Solvent Pals Help Fix Your Credit? - Piggybacking someone else's credit no longer helps your credit score
    Just Starting Out
  • How to Dig a Hole by Amy Burns - Easy ways to dig your own financial hole
    Green
  • My Story: Why I Buy Organic contributed by Brenna - Frugality is a means to self-reliance and independence
  • Self Sufficient, Food-Wise by Pat Veretto - Are you prepared to survive tough times and prosper in times that aren't so tough?
    Home and Auto
  • Replacing a Timing Belt Ask Bob: the Auto Answer Man - Is now the time to replace other items?
  • Buying a Car with Plastic Can Be Risky - Buying a car with a credit card typically doesn't add up
  • Protect Yourself from Builder's Bankruptcy - What can you do when your home builder goes out of business?
  • Homeowners May Benefit from Relief Plans - A plan to freeze interest rates for some homeowners with ARMs
  • Mortgage Rates Fall to 26-Month Low - Mortgage rates have hit their lowest point in more than two years as Fed officials made it crystal clear that the central bank will cut short-term rates next week
    Lifestyle
  • Instead of Gifts - Creating new, more meaningful family traditions
  • Your Local Library by Phyllis Guth - How much can you really save by using your local library?
  • Tips for Holiday Tipping - Advice on who to tip, how much ... and who to stiff
  • 12 Ways to De-Commercialize Christmas - Sick of the overspending and commercialism often attached to the holidays? Check these ideas for lowering the cash flow while raising the joy of the season
    Your Taxes
  • Calculating Deductions on Form W-4 - Claiming nine dependents won't put you in hot water with the IRS
  • Bad Investments Can Be Good Tax News - Plummeting stock prices can cast a dark cloud, but at tax time they offer a ray of write-off sunshine in the form of capital losses
  • Claiming UGMA Losses, Gains - Gifting appreciated stock to siblings offsets capital gains
  • 10 Smart Year-End Tax Moves - Make time for taxes this month. The moves you make by Dec. 31 could cut your 2007 tax bill
  • Four Tax Moves That Should Wait Until 2008 - Conventional year-end tax-move wisdom isn't for everyone. Here are some situations where you should wait until Jan. 1 to take tax action
  • When to Pay Medical Costs - Claiming medical deductions this year can reduce taxes next year too
  • Tax Benefits Abroad - Foreign study could qualify for tax breaks
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Why You Should Shop Around - Amy did a little research and it proved to be fruitful - she got a much better deal and saved a ton of money!
  • Feeling Stuck - Sheryl's husband wants to start his own business. He feels, though, like he can't leave. See what Dave says
  • Stupid Taxes in 2007 - Steve has accumulated a large chunk of change in Stupid Tax this year all because he didn't regularly balance his checkbook
  • Student Loans Weighing Us Down - Monique and her husband thought they were being smart and beating the system by using student loans throughout college. Boy, are they paying for it now!
  • 50,000% Interest? - My overuse of the debit card resulted in overdrawing my checking account

    December 10, 2007

  • Black Belt Tightwads - Frugal experts share their best money-saving ideas
  • Proper Motivation for Saving Money by Heather Hemingway Harvey, editor of Simplify!News online - Working toward a concrete financial goal
  • Effectively Managing Your Home Based Daycare Business by Fiona Lohrenz - Effective management could assure your success
  • 6 Ways to Kill Your Credit - These bad behaviors can wreck your credit score
  • You Can Accidentally Disinherit Your Heirs - It happened to Anna Nicole's daughter, and it's quite a common occurrence. How it happens and how to prevent it
  • Develop a Strategy for Dividend-Paying Stocks - Stocks that pay dividends can ease the volatility of a portfolio -- if you buy right
  • Leaving a Legacy, Large and Small - Even if you lack megabucks, you can help a worthy cause while keeping some say over how your donation is spent
  • Target Card or Target Visa? Which Is Best? - Many retailers now offer their own store credit cards and co-branded cards that can be used anywhere. And they're adding reward programs to keep you shopping. What's the best deal?
  • Benefits of Trusts - There are plenty of reasons to choose trusts over wills, including avoidance of taxes, retention of control, safeguarding privacy and more
  • 8 Types of Trusts for Everyday People - They're not only for wealthy folks. Trusts serve many purposes. Most importantly, they ensure that the right people end up with your money
  • Bonds May Cut Daughter's College Costs - A woman's modest earnings from savings bonds could help trim her daughter's college expenses
  • Fleeing the Dollar Not Without Risks - Converting dollars to euros makes sense in some circumstances
  • Mystery Cash in Bank Account Not Yours - When a store accidentally deposits cash in your bank account, the money is not yours
  • Take 401(k) Match Instead of Paying Debt - Borrowing from a 401(k) is often unwise, especially if it keeps you from contributing to your account
  • Fame & Fortune: Carrie Ann Inaba - This former hula dancer now judges "stars"
  • Can You Afford Extreme Early Retirement? - Some folks retire in their 30s and 40s even though they're not rich. With discipline and focus, you can buck the mainstream and do the same
  • Extreme Early Retirement Experiences - Readers share their tales of extreme early retirement
    Just Starting Out
  • Time Is Money when Wedding Bells Ring - The right plan can help you both pay down debt and save for a wedding
    Baby Boomers
  • Beauty and the "Boomer Babe" by Lynne Cavanaugh - Putting your best face forward
  • What You Need to Know about Wills - Should you have a will? It depends on your assets, family situation and personal preferences
  • Is It Important to Have a Will? - Take our poll to see how your answers compare to those of others in the nation
  • Life Insurance Safeguards and Trapdoors - If your parent forgets to pay the premium on a life insurance policy, it could lapse. For certain types of policies, there are protections in place, but they're not foolproof
    Home and Auto
  • Never Too Late to Decorate by Shaunna Privratsky - 10 simple ways to get your home in the holiday spirit in a hurry
  • 6 Steps to Better Car Insurance - An annual review of your car insurance policy can help you cut costs and fill in coverage gaps
  • Down to Last Payment, Woman Loses Car - A woman who failed to make her final $150 payment may not get her car back
  • Makeover Tips that Can Sell Your Home - The year a home was built helps determine which renovations are most likely to pay off for sellers, experts say
  • Short Sale May Save Sinking Homeowners - Homeowners who can't afford their payments have options
  • Proposed Rate Freeze to Reduce Foreclosures - There would be winners and losers under such a policy
    Lifestyle
  • Is My Grocery Bill Too High? by Gary Foreman - How does your grocery bill compare?
  • What You Can Learn From a Dumpster-Diver by CC Christiansen - There are lessons to be learned in a dumpster
  • Getting the Most Out of Our Daily Bread by Glynis M. Belec - Uses for bread that you may never have thought of
  • Kid Christmas by Marlene Alexander - 3 gift ideas for the youngsters in your life
  • Gift Cards with a Twist - Gift cards that donate funds to nonprofits are win-win for givers and receivers -- and charity
  • Giving the Gift of Charity - Feeling generous? The holiday season is a perfect time for philanthropy. But before spending money or time, take a look at our guide to giving
  • How to Check Out a Charity - A little research will make certain your money really goes toward your causes
  • Give Your Charitable Donation Extra Power - The way you donate often can boost the impact, without costing you anything extra
  • 12 Ways to De-Commercialize Christmas - Sick of the overspending and commercialism often attached to the holidays? Check these ideas for lowering the cash flow while raising the joy of the season
    Your Taxes
  • Early Bird Saves Taxes - Consider prepaying tuition if tax credit or deduction applies
  • Don't Dump that Old Car, Donate It - Even with tighter donation rules, that jalopy might be a valuable tax deduction
  • Good Deeds Can Also Mean Good Tax Breaks - Charitable acts can help cut your tax bill if you follow the IRS rules
  • Forced Sale of a Vacation Home - Since the state is forcing a reader to sell his vacation property, he can avoid taxes on the government money by using it to buy a similar replacement house
  • Rebalancing Investments in Your IRA - In rebalancing your portfolio, you can still keep your retirement money in a tax-favored account
  • Do Children Owe Tax on Death Benefit? - When to pay taxes on Social Security survivor benefits
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • The Get-Out-Of-Debt Bug - How many people living in California have no home mortgage? It seems like an impossible task. But we did it!" Read more...
  • Instant Refund, Lingering Headache - Lesson learned: don't do instant refund! Wait the 6 weeks for the check to come straight from the government
  • Stupid Pots and Pans - We put the down payment on credit and agreed to pay 'only $25 per month' for the rest of our lives!

    December 3, 2007
    Money
  • Top Mutual Funds by Michael A. Weiss - Building no load mutual fund portfolios
  • My Story: Need a Few Bucks? contributed by Chris - Earn extra cash as a guinea pig or a pack rat
  • Money Books that Make Great Gifts - Experts pick great books on personal finance that can enrich both the mind and wallet of a loved one, regardless of age
  • Components of an Estate Plan - Estate planning applies to people from all walks of life, even to each of the castaways that wound up stranded on Gilligan's island
  • 8 Ways to Leave a Mess for Your Heirs - If you harbor deep-seated negative feelings toward your family, follow these steps to foster even more bad blood after you're gone
  • Building Blocks of a Successful Investment Strategy - Investing is not an art, but it's not rocket science either. These basics will help you develop a successful strategy
  • See a Pro for Estate Planning - Consumers can make many mistakes doing their own estate planning, says Theodore Kurlowicz, professor of estate planning at The American College
  • Building a Portfolio - Your portfolio should look much different when you're young than when you approach retirement age. Your asset allocation strategy can help you meet your goals as they change through the years
  • The legacy of Warner Bros. - The granddaughter of Harry Warner, president and co-founder of Warner Bros., inherited more than money from her ancestors. Cass Warner preserves their legacy through her writings and filmmaking
  • Celebrities Plan Their Legacies - Noted authors discuss how they manage their wealth today and make plans for their heirs
  • Check Rules before Rolling Over to Roth - Your income helps determine whether or not you are eligible to convert your traditional IRA into a Roth
  • Ex May Get Benefit before Former Spouse - A woman may be eligible to collect Social Security even before her ex receives his benefit
  • Who Isn't Saving Enough for Retirement? - Bankrate's poll reveals that we put other financial priorities ahead of retirement savings goals, and even tune out retirement news because it's discouraging
    In Critical Condition
  • Should Dad Pay Bankruptcy Debt? - Co-signer's legal obligation in Chapter 7 depends on state statute
    Just Starting Out
  • The Not-So-Starving Student by Rebecca Reichl - Learning how to grocery shop
    Family
  • Too Much Christmas - When you can't afford the Christmas that the kids expect
    Green
  • Burn Corn to Heat Your Home by Pat Veretto - Should you consider burning corn for heat?
  • Building Green Can Save Greenbacks - Building a new home gives you plenty of opportunity to incorporate elements to reduce your impact on the environment
  • Environmental and Energy Glossary - A collection of terms often used when discussing environmental and energy issues
    Home and Auto
  • The Reluctant Turn Signal - Ask Bob: The Auto Answer Man
  • Breaking a Car Lease Gets Easier - New Web sites put buyers and sellers together for a deal
  • Putting Baking Soda in the Wash - It keeps your clothes smelling fresh and treats stains
  • House Mortgage Bill Doesn't Offer Bailout - The Mortgage Reform and Anti-Predatory Lending Act of 2007 seeks to prevent borrowers and lenders from making dumb choices. It doesn't help troubled borrowers and lenders who made poor decisions in the past
  • Clickable Map: State-by-State Home Values - Check out how home values fared in your state over the past quarter
  • Make Extra Payments to Attack Car Debt - Improved credit was the first step -- now, concentrate on paying down a car loan
    Lifestyle
  • Create a More Meaningful, Less Expensive Christmas by Virginia Brucker - Ways to create more Christmas with less money
  • Curbing the Spendthrift Appetite by Rachel Muller - Nip spending-for-the-sake-of-spending urges in the bud
  • Best Homemade Holiday Gifts - We've searched to the North Pole and beyond for easy, yet impressive, gifts you can make at home
  • 7 Best Holiday Budget Busters - Retailers are pulling out all the stops to get you to overspend this holiday season. Here are six surefire ways to make it easy for them
  • Being Frugal for the Holidays - This special report is chock full of tips and advice on having a joyous holiday season without increasing your debt
  • 12 Tips for Giving on a Tight Budget - Experts suggest 12 ways to buy gifts that are frugal, but not cheap
    Your Taxes
  • Filing Jointly Saves Taxes - Two is better than one for tax purposes if there's only one income
  • How Are Stocks Taxed? - Stocks held in a trust receive a stepped-up basis
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Expensive Golf Clubs - He had never used an ATM card and didn't understand that you can't go by that balance

    November 26, 2007
    Money
  • Why You Need a Revocable Living Trust - Popular financial author and TV personality Suze Orman believes these trusts are far superior to wills as estate-planning tools
  • Taxes Loom Large in College Fund Choice - Taxes play a major role in deciding how to save for your child's college education
  • Planning for Your Heirs - Bankrate's 11th Financial Literacy series installment helps consumers plan for their heirs
  • Americans' Words and Deeds about Wills at Odds - Three-quarters of Americans say everyone should have a will, but more than half don't have one
  • How Safe Is Your Money Market Fund? - The billions of dollars in subprime losses are now tainting a mainstay investment vehicle whose safety consumers take for granted: the money market mutual fund
  • Fame & Fortune: Rutger Hauer - Dutch actor settles into role as thoughtful bad guy
  • Taking Withdrawals from Your Retirement Plan - It's easy to find advice about how to invest your retirement funds, but guidance on how to take distributions is much scarcer
  • Don't Let 'Zombie Debt' Ruin Credit - Stay on top of debt collectors who say you owe money when you don't
  • DIY Investing Can Put Nest Egg at Risk - Discuss concerns with your financial adviser before deciding to go it alone
  • Chase High-Yield Savings without Fear - Moving your savings from one bank to another will not zap your credit score
  • Hold Bonds to Maturity for Big Payoff - The best time of the month to buy U.S. savings bonds? That's the wrong question
  • Hoping for 30 Percent Growth? Good Luck - A couple saving for a down payment needs more realistic expectations
  • Writer Seeks Place in Park Avenue World - Following graduation, novelist Eliot Schrefer got some real-world education about how class differences impact friendships
    In Critical Condition
  • Home Counts as Asset in Chapter 7 - Quitclaim doesn't relinquish a home in the eyes of the court
  • Lawyer Can Stop Collector Harassment - Until a bill is paid, it is in play and you may hear from a collector
  • Are Friends to Blame for Your Debt? - It's the dirty little secret nobody wants to talk about: Is your social life leaving you in the red?
  • Do You Overspend when Out with Friends? - Take our poll and find out what others say about their tendency to overspend when out with friends
    Family
  • Pack a School Lunch with Punch the Obento Way by Jenny Harrington - Send culinary works of art with your children
    Green
  • From Grandma's Attic by Marenda Babcock - What Grandma knew about saving money in 1948
    Home and Auto
  • $100 Fill-Up Coming to Pump Near You - Whether you own an SUV or a compact, get ready for a major price shock at the local gas pump
  • Same Payment Rule at Credit Union, Bank - Loan down payments work the same at banks and credit unions
  • Co-Signer Pays Big Price for Generosity - When co-signers are not related by marriage, it often leads to circumstances that end poorly
  • 'Back to Basics' in Mortgageland - Mortgage bankers are eagerly going back to 30-year fixed loans before Congress makes them
  • Car Shipped Overseas May Escape U.S. Tax - Sales tax may not be owed on a car bought in the United States but driven in Europe
    Lifestyle
  • Wrapping Holiday Gift Cards - Making them something special
  • Low Cost Creativity by Tchikima Davis - How to save on craft supplies
  • Cut Health Care Costs by Erika Bales - Making health care an easier pill to swallow
  • My Story: The Convincing Telecommuter contributed by TH - Why should your boss allow you to telecommute?
  • Handling the Ungrateful Houseguest by Gary Foreman - With consideration to self-worth, the friendship and money
  • Seeing Clearly through Online Contact Lens Tactics courtesy of Tjoos.com - Tips to save time, money and potentially your eyes
    Your Taxes
  • How Is an LLC Taxed? - An LLC can be classified three different ways for tax purposes
  • Minor Taxed on Own Income - When does a child need to file a tax return?
  • Overpaying Uncle Sam - Amount of withholding tax depends on many variables
  • Deducting Losses in a Roth IRA - Roth IRA losses are unknown until all withdrawals are made
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Back In Trouble - Barbara is not too far removed from bankruptcy. She's in trouble again; what can she do?
  • Stuck In Your Job - Sheryl's husband can't seem to get out of the rut that he's in. Should he leave his job to start a small business?
  • 3 Days from a Repo - Lauren's car is three days away from being repossessed. How can she stop it?
  • Costly Halloween Party - Sometimes party decorations can get a little out of control

    November 19, 2007
    Money
  • Even People with Good Credit Are Penalized by Harrine Freeman - The importance of knowing what's in your credit reports
  • High Yields but High Risk in Bank Loan Funds - The search for higher yields may lead you to bank loan funds, which invest in loans made by banks. But know what the risks are
  • Making it to Boardwalk - "Rich Dad, Poor Dad" author Robert Kiyosaki believes all of life's (financial) lessons are mirrored by the game of Monopoly
  • Fame & Fortune: Sir Anthony Hopkins - The British actor finds creative balance as a renaissance man
  • How the Pros Save Money - This strategy, which emulates those used by successful condo associations, can be adopted if your budget seems to be constantly disrupted by unexpected expenses
  • Payroll Taxes Owed on 401(k) Money - An annual bonus can be diverted to a 401(k) account, but the contribution must follow company rules
  • Frugal Lifestyle Can Keep 401(k) Flush - It's difficult -- but not impossible -- to live off retirement investments without touching the principal
  • $50 Is Enough to Start Retirement Fund - A little savings is just enough to start funding a retirement kitty
  • Keep More Cash Safe by Learning FDIC Rules - Finessing deposit insurance rules can help you insure more money
  • Use Inheritance to Fund Retirement Plan - A man who inherited $250,000 can use the money to build a foundation for retirement
    In Critical Condition
  • Refinancing a Mortgage in Chapter 13 - Finding a mortgage while in bankruptcy is a tricky and expensive proposition
  • Foreclosure Can Leave Renters Homeless - Think you're exempt from the financial fallout of the fallen real estate market because you're a renter? Think again
  • Four People Awash in Debt, One Plea - Answers to a grab bag of questions related to credit card debt
    Family
  • Setting an Example by Jill Cooper - Helping children to become wise caretakers of their money
  • Grandparents, 529 Plans Are Great Match - Opening a college savings account for your grandchild can reduce your exposure to estate taxes
    Green
  • Burning Wood by Pat Veretto - Wood heating is no longer a social statement, it's a practical solution
    Home and Auto
  • Homemade Window De-Icer - Be prepared for winter's storms
  • My Story: Laundry Discs contributed by Benny - What I learned in 12 years of use
  • Blinking Door Ajar Light - Ask Bob: The Auto Answer Man
  • Refinance Car Loan When Numbers Add Up - Sometimes it makes sense to refinance a car loan
  • Bargain Autos Unlikely to Catch On - A rebirth of cheap cars may be coming, but it is likely to be short-lived
  • Walk Away if Dealer Demands Financing - A car dealer who insists that buyers finance their purchase is probably trying to pad profits
  • Real Estate Revival on (Distant) Horizon - It's likely to get worse before it gets better but growing demand could spell the beginning of a recovery in home values
  • A Few Bad Apples Spoil the Rates - Mortgages are suffering from a bad reputation, and that led to an increase in fixed rates this week. That's the theory, anyway
    Lifestyle
  • The Critical Pause by Pamela Parks - How consumerism and poor eating go hand-in-hand
  • Coupon Swaps by Bethanie Frank - Save money and make friends along the way
  • 10 Places to Find Temporary Work - Whether you need extra holiday cash or simply have too many debts, here are the best places to find temporary employment
  • 2007 Gift Card Study: Consumers Love Them - Survey of gift cards shows that issuers offer plenty of choices for consumers
  • 2007 Gift Card Study Results - The "big four" credit card issuers, major retailers and largest shopping malls gift card programs
  • Electronic Gift Certificates Not Widespread - Only 12 of the 31 merchants surveyed have electronic gift certificates -- and they all have use restrictions
  • Gift Card Trends - Sales of gift cards continue to grow, and every type of business is jumping on the bandwagon
  • Give the Gift of Giving - Gift cards that donate funds to nonprofits are win-win for givers and receivers -- and charity
    Your Taxes
  • UGMA Account Generates Taxes - The income from a Uniform Gift to Minors Act (UGMA) is usually reported to the IRS under the child's Social Security number
  • Limit on Real Estate Tax Deductions - Real estate taxes are generally always tax deductible, but you may not get any tax benefit if the dreaded alternative minimum tax kicks in
  • Writing Off Travel Expenses - You can deduct reasonable and ordinary travel expenses when away from home on a temporary work assignment
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Affording a House - Jennifer has the chance to move in with friends to save money for a house ... should she take it?
  • Am I Eligible for an ESA? - What does it take to qualify for an educational savings account?
  • I'm Trying to Get Out of a $19,000 Stupid Tax! - Jeff bought 3 weeks at a timeshare. Now he wants to get out of it because he's realized what a ripoff timeshares are!
  • Out of Pocket Baby - How should this young couple pay for a baby if they have no health insurance?
  • Grocery Woes! - Due to not planning at all, Chad's family wasted so much money at the grocery store each month. Find out how you can save money each month!

    November 12, 2007
    Money
  • FSA End of the Year Dilemma by Tamara Wilhite - How can you keep from losing your money?
  • Mutual Funds Are for Losers - Author Phil Town made his fortune by concentrating on good businesses selling at a big discount, and he has the temerity to believe that anyone can beat the market by following his advice
  • Where Do You Stand in America's Wealth Spectrum? - The financial industry is overtly obsequious toward the rich and oblivious of Americans with modest wealth
  • Simple-Interest Loans Follow Own Rules - Paying early on a simple-interest loan can help you get rid of the debt faster
  • Paying Off Debt Not Always Best Option - Sometimes, financial flexibility is more important than getting rid of debt
  • 'Spending Plans' Must Include Retirement - No amount of saving is too small when it comes to securing your future
  • Layoff May Help Worker Tap 401(k) Early - A man who was laid off may be able to tap his 401(k) early and penalty-free
  • Certified Checks Don't Guarantee Payment - A certified check doesn't necessarily mean payment is certain
  • Celebrities Learn the Value of Money - Actors, authors, musicians and comedians tell how they learned to manage their money
  • New I-Bond Rate Rises - I-bonds issued from Nov. 2007 through April 2008 will earn an annual rate of 4.28 percent. But the fixed-rate makes it a bad deal
  • Fame & Fortune: Roger Daltrey - Manic energy fueled the musical brilliance of The Who
  • Reward Checking Pays High Yields - Reward checking accounts, offered primarily by community banks, pay high yields on the account balance as long as you stick to a few rules
  • Savers Survive Fed Cut - The Federal Reserve doesn't do savers any favors when it lowers its target for the federal funds rate. Fortunately, financial institutions are clamoring for deposits and offer high-yield CDs, savings or money market accounts
  • 3 Ways to Shrink Debt - Now that the Federal Reserve has cut some borrowing costs, here's how to take advantage
    In Critical Condition
  • Notify Lender of Bankruptcy - A reader wants to finance a car in the midst of filing Chapter 7
    Just Starting Out
  • Furnishing a First Apartment - Finding cheap furniture for your first home
  • Mom Must Teach Student $20,000 Lesson - A son who has run up credit-card debt needs help -- but not too much
    Family
  • Why I Choose Cloth Diapers by Michelle Kennedy - This mom found them easier to use than she anticipated
  • Does Your Child Suffer from Affluenza? - Too much of the good things can be a bad thing for your kids
    Green
  • Products Hyped as 'Green' Often Are Not - Despite a plethora of materials and organizations dedicated to green products and services, the definition of "green" can vary between organizations and between consumers
    Home and Auto
  • No-Haggle Pricing Can Mask Hidden Costs - No-haggle pricing is a growing trend that may not last
  • Don't Use HELOC to Finance New Car - Tapping home equity to pay for a new car usually doesn't make sense
  • Does Fed Cut Mean Lower Mortgage Rates? - The Federal Reserve cut the target for the federal funds rate by a quarter-point this week, but what does that mean for mortgages?
    Lifestyle
  • Five Tips for Avoiding Home Business Scams by Susie Cortright - Finding the right home-based business opportunity for you
  • My Story: Living Frugally contributed by "Anonymous" - What this professional tells his clients
  • Cheap and Delicious Hamburger by John Smith - The butcher's rules for purchasing hamburger
  • The Urge to Collect by John White - Perhaps it's something we're born with
  • Beating Rebate Rejection by Gary Foreman - Why 50% of all rebates go uncollected
  • A Dollar Stretcher Is... - We wanted to know how you could tell if you're a Dollar Stretcher
    Your Taxes
  • Carpenter Seeks Tax Savings - A self-employed carpenter wonders about the tax implications of different small business entities
  • Avoiding Capital Gains Tax - Advice for a reader on capital gains on an inherited home
  • Claiming a Foreign Student as a Dependent - You cannot claim a person as a dependent unless that person is a U.S. citizen, U.S. resident alien, U.S. national or a resident of Canada or Mexico for some part of the year
  • Claiming Credit for Child Care - Annual child care credit gives parents a tax break
    Everything Else
  • Disability and Life Insurance Combo Saves $ - Several insurers are offering combination life and disability coverage plans that aim to make these products affordable
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Wal-Mart Trips Add Up - "How quickly can a few trips to Wal-Mart and the gas station add up to $3,000!" Tammy said. Check out her stupid tax story...
  • Emergency Fund Saves the Day - We used up our entire emergency fund, but we didn't have to use credit cards to live on while we were waiting for his new job to start
  • The Budgeting Discovery - After spending the last 3 months fine tuning our first real, comprehensive budget, I've discovered why we're in so much debt

    November 5, 2007
    Money
  • Making the Most of Your FSA - A little extra knowledge and planning can help you get the most from a flexible spending account
  • Top 10 Investing Blunders - There are dozens of ways you can get it wrong, but if you avoid these 10 mistakes, you'll do fine
  • Celebrities on Retirement - Celebrities have to save for retirement too. See how actors, authors and musicians make their plans
  • Finding a Financial Planner - Finding the right financial planner takes a little detective work and interviews with several advisers
  • Getting Investments in Order - The Timms want to know if they should pay cash for their home, as well as how to allocate their retirement assets
  • Shield Credit Score during Loan Research - It's possible to check out financing options without hurting your credit score
  • Fame & Fortune: Gretchen Wilson - The country singer always knew her destiny
  • Making Sense of Mutual Funds - Investing isn't as complicated as people think, says Gail MarksJarvis, author of "Saving for Retirement (Without Living Like a Pauper or Winning the Lottery)"
  • What's the Best Advice You've Gotten? - Notable financial experts from Robert Kiyosaki to Dave Ramsey share their most influential ideas
  • Millionaires Focus on Freedom - Self-made millionaire Keith Cameron Smith explains the different mindsets of the poor, middle class and wealthy
  • Authorized Users Lose Credit Clout - Deciding not to factor the payment history of authorized users into credit scores is a mistake
  • Who Wins Money Market Savings Fight? - Choosing between money market accounts and mutual funds comes down to the yield
  • Inheriting a House - and the Mortgage - Consult a financial planner if an inheritance may trigger big bills
    Home and Auto
  • Making Informed Home-Buying Decisions courtesy of Countrywide.com - Top 10 tips when deciding which mortgage loan is best for you
  • The Cost of Replacing an Oil Pump Ask Bob: The Auto Answer Man - Why is it so expensive?
  • Dirt-Cheap Used Car Is No Bargain - An incredible deal on a Toyota sounds too good to be true -- and likely is
  • Lemon Law May Apply to Car Gone Sour - If your state has a lemon law, file your claim promptly
  • Mutual Funds May Help Secure Car Loan - Investments sometimes may be used as collateral for a loan when income is too low
  • Know-Your-Mortgage Work Sheet - Can't keep the terms and conditions on your adjustable-rate mortgage straight? Use this work sheet to pull the key information together on one simple form
  • Basic Mortgage and Loan Quiz - Think you have a grasp of what it takes to get a mortgage or other loan? Our quick five-question quiz will let you know
  • Top 5 'Chick' Cars - A Bankrate poll reveals the cars that readers say are the ones most identifiable as "chick" cars. Not surprisingly, the one that comes equipped with a flower vase tops the list
  • Know Escrow Rules before Waiving Them - Know your responsibilities before deciding to pay property taxes and insurance payments on your own
    Lifestyle
  • Finding Part Time Work - College educated stay-at-home mom is looking for part-time income
  • Online Shopping by Kyle James - Where and how to find the best deals when shopping online
  • When Mom Gets Sick by Amy Burns - Reduce wasted time and money when mom gets sick
  • A Dairy at Your Doorstep by Jerry Buerge - Inviting a new type of cow into your household
  • Shoeboxes for Christmas by Nancy Twigg - What your family can get by giving
    In Critical Condition
  • Managing Stress during a Financial Crisis by Diane Bergman - Rounding the corner to the good times
  • Sell Home to Avoid Bankruptcy - A drop in income puts the squeeze on mortgage payments
  • Deadbeat Uses Ex's Sympathy to Pad Debt - An old boyfriend's bad behavior offers painful financial lesson
  • Fight Foreclosure - A number of factors started the housing mess but it ends with homeowners fighting to keep a roof over their heads
    Taxes
  • Plan Gives Owner a Tax Break - Qualified retirement plans permit greater contributions
  • Rules Prevent Tax Advantage for Family - Father and son can't keep home's loss in the family for tax reasons
  • Taxes on Home Equity - CPA George Saenz advises a reader on deducting interest on two HELOCs
  • Not All Settlements Are Taxable - Origin of claim determines taxation of back pay
  • The IRS Can Help in Disastrous Times - There's no way to plan for a disaster, but the IRS can help by letting you deduct casualty losses
    Everything Else
  • No Easy Answer to Long-Term Care Query - Uncertainty still surrounds the question of whether you should purchase long-term care insurance
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Don't Forget - An expired inspection sticker cost me over $400. Pay your fines and know your state laws
  • Ignorance Is Not Bliss - For the first 4 years, about $15 a month went to principle. During the last year, about 65 cents per month went to principle
  • When to Buy Life Insurance - When should Sheldon buy life insurance?
  • Student Loans and Credit Cards - It got pretty bad when I had to pay the credit card bill and had no money in the bank, and my overdraft credit line was maxed out

    October 29, 2007
    Money
  • A Beginner's Guide to Budgeting Success by Kim Randall - Reach your desired financial destination
  • Saving for College by Candace Bahr and Ginita Wall, CPA, CFP - It's never too late to get started
  • Pay Cash, Get a Discount - It's amazing the deals you can get with a wad of dollar bills in your hand
  • Half of Investors Confused; Is the Other Half Lying? - Americans as a whole are having difficulty with investing. Half admit to feeling confused
  • Federal Savings Investors to Get Money Back - Consumers who thought they were responding to a legitimate high-yield CD offer at a Seattle-based online company will receive 100 percent of their money back plus six months' interest
  • Quiz: What Is Your Risk Tolerance? - Take this quiz to find out what kind of investor you are
  • Ready for a Financial Tuneup? - Bankrate's 10th Financial Literacy series installment guides consumers through the steps of fine-tuning their investing strategies
  • John Bogle Shares His Wisdom - Forget complex strategies. Going simple and low-cost are the keys to long-term gain, says index fund creator and Vanguard founder John Bogle
  • Fame & Fortune: Steven Wright - A uniquely absurdist comic endures by changing his style
  • I-Bond Preview: Focus on Fixed Rate - A savings bond expert predicts the Treasury will lower or freeze the fixed-rate component of I bonds on Nov. 1. If you're going to buy, do it now
  • Overpayment Scams - If you have to send excess money anywhere, watch out. It's a scam
  • College-Area Properties Get Good Grades - Many parents who send their kids off to school also invest in real estate close to campus. Done properly, owning such property is preferable to shelling out dormitory fees or apartment rent
  • College Savings Dilemma - This Kansas family has saved for retirement and has an emergency fund too. But they have two college-bound teenagers and haven't begun to save. What should they do?
  • The Art of Retirement - The starving artist stereotype undergoes revision with the Artist Pension Trust, an investment program for visual artists
  • Wife May Pay for Taking Early Benefit - A woman's plan to take early Social Security could trim her spousal benefit
  • Tap Home Equity Carefully - Rates on home equity lines unlikely to rival those of mortgage
  • New Cards Help, Hurt Credit Rating - Applying for new credit can both help and hurt your credit score
  • Save for Retirement Despite Credit Debt - Carry a balance on your credit cards? That's no excuse for failing to fund a 401(k)
    In Critical Condition
  • Is Wife Liable for Credit Card Debt? - Bank holds cards in proving joint credit card debt
  • Collecting Debt from the Elderly - Can a nursing home garnish Social Security income to pay debt?
  • Hold Onto Car when Filing Bankruptcy - After you file Chapter 7, terms and interest rates on future loans will be brutal
    Family
  • Sick Season Strategy by Elizabeth Blair - When the inevitable strikes
  • Saving for College by Candace Bahr and Ginita Wall, CPA, CFP - It's never too late to get started
    Home and Auto
  • My Story: "New" Mini-Blinds contributed by Nanci - Updating vinyl blinds for less
  • Is Engine Warm Up Necessary? - Ask Bob: The Auto Answer Man
  • Line Up Financing before Car Shopping - A dealer is unlikely to get you the best interest rate on an auto loan
  • Auto-Industry Friends Can Help You Save - Knowing someone who works for or with a car manufacturer can net you a discount
  • Dealers Occasionally Botch Contract - As long as humans remain fallible, errors will occur in the car-buying process
  • Hold Onto Car when Filing Bankruptcy - After you file Chapter 7, terms and interest rates on future loans will be brutal
  • 13 Safest Cars of 2007 - The safest cars of 2007 all have one thing in common: electronic stability control, according to the Insurance Institute for Highway Safety
  • What's in a (Car) Name? - From Taurus to Touareg, manufacturers have a lot riding on what they name their cars
  • Get Rate Lock in Writing - How long does a mortgage rate lock last?
    Green
  • Natural All-Purpose Cleaners - He's looking for something that's pet safe
    Just Starting Out
  • Cooking for One by Marianne Giullian - Breaking the monotony of meals
    Lifestyle
  • Cooking for One by Marianne Giullian - Breaking the monotony of meals
  • Simple Dehydrators and Other Ways to Dry Food by Pat Veretto - Drying vegetables and herbs the way Grandma used to do
  • Pay Cash, Get a Discount - It's amazing the deals you can get with a wad of dollar bills in your hand
  • Retired RVers Make Travel a Way of Life - People take to the highway in RVs for different reasons, including freedom from homeownership demands. But don't expect this lifestyle to be incredibly cheap
    Taxes
  • Is Settlement Considered Income? - Home builder settlement is not considered income to the recipient for tax purposes
  • Deductible COBRA Payments - COBRA payments remain deductible even if you decline employer-offered health insurance
  • Reporting Foreign Property Gift - Gifts and bequests that exceed $100,000 in value (either cash or property) from foreign individuals need to be disclosed on Form 3520
  • Back Taxes on Discharged Debt - Most folks ordinarily don't have to pay income tax on cancelled debt
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Paul's Motorcycle Mistake - I justified it to myself by thinking that I could save on gas and could make the easy loan payments. My wife tried to get me to not do it, but I figured I knew better
  • The $200 Grapefruit - After checking the receipt, I discovered that they had sold me 5 grapefruits for $40 each! That's $200!
  • Total Money Makeover Makes Sense - We had nothing to sell so we worked overtime and cut back on everything. Friends and family thought we were crazy until one year later we announced we were debt free!
  • Buy It or Lease It? - Dave tells a listener why leasing a car stinks worse than anything
  • Trying to Refinance - I'm one of those people who had their ARM expire this year, and I'm now paying 14% mortgage interest on my home

    October 22, 2007
    Money
  • Pay Down HELOC or Auto Loan? - Paying off HELOC first frees up borrowing capacity
  • Which 529 Plan Is Best? - Compare fees and investments when selecting a 529 plan
  • How Bad Credit Can Impact Your Life - Bad credit can impact many parts of your life. Here's how, and what to do
  • Half of Families Can't Afford College - Our national poll reveals that fewer than half of parents can afford to send their kids to college, despite sacrifice
  • Managed vs. Index Funds - The debate over index versus actively managed funds has raged so long without resolution that it has taken on the rich patina of the great sports rivalries. Both offer advantages
  • Treat Loan as Business Decision - Betting the house on a brother's business should be in writing
  • No-Money-Down Loan No More - Preconstruction home purchases create a risky loan proposition
  • Asset Allocation Reduces Volatility - Boost returns and mitigate risk by allocating your assets around the investment world
  • Asset Allocation Charts for All Ages - Use the chart appropriate for your age group as a model for your own asset allocation strategy
  • The Nuts and Bolts of CRUTs and CRATs - Charitable remainder trusts enable you to skip the tax man and give to charity, and receive an income, too
  • Custodian Can Invest in 529 Plan - UGMA, UTMA accounts cannot be converted to 529 plan

  • Just Starting Out
  • Pay Off Student Loan Debt by Harrine Freeman - 7 tools to repay those student loans
  • Become a Millionaire: Start Saving in Your Youth - It's difficult to think about retirement when you're in your 20s, but saving when you're young is the key to wealth
    Green
  • How Big Is Your State's Footprint? - "Carbon footprint" is fast becoming a household phrase. Use this interactive map to check your home state's contribution
  • Car Dealer Jumps on Green Bandwagon - A McKinney, Texas, dealership is the first to achieve Leadership of Energy and Environmental Design (LEED) certification from the U.S. Green Building Council
  • Internet Resources for Going Green - Check out this compilation of some of the best green sites on the net
  • Environmental Fast Facts - Little things can mean a lot, especially when they are things every one of us can do that add up to help the planet
    Family
  • A Winter Wonderland Party - Creating a memorable party for less
  • Saving Money through Inventory Time by K. M. Eldredge - Know what you have and what you need
  • A Great Birthday Party by Debbie Swanson - Without a great expense
  • Hot Halloween Costumes for 2007 - Pirates continue to dominate the seas of the costume world but old favorites like witches and zombies never die

  • Home and Auto
  • Heat Loss by Johanne Leveille - Keeping the heat indoors
  • Putting Your Lawnmower to Bed for the Winter by Murray Anderson - Minimize your aggravation next spring
  • Saving Money through Inventory Time by K. M. Eldredge - Know what you have and what you need
  • Is Now the Best Time to Get a Mortgage? - Long-term mortgage interest rates rose despite Fed rate cut
  • Feds Cut Down-Payment Assistance Programs - Prospective homebuyers with marginal credit will have to act quickly if they want to buy houses without making down payments
  • Car Dealer Jumps on Green Bandwagon - A McKinney, Texas, dealership is the first to achieve Leadership of Energy and Environmental Design (LEED) certification from the U.S. Green Building Council
  • Top 5 Most Reliable Cars - Buick and Lexus tied for the top spot in the latest J.D. Power survey for having the fewest problems over the past three years
  • Marine Sounds Off on Mortgage Payments - It's better to make mortgage payment in full every month
  • Big 3 Offer Best Deals on 2007 Models - Domestic manufacturers are offering big rebates on "leftover" 2007 autos
  • Hybrids Don't Supercharge Electric Bill - Gasoline engine, brakes charge battery
    Lifestyle
  • Saving Time and Money at Work by Rose Reifsnyder - A guide for modern women
  • Cost Per Serving versus Pound by Ellen Lawson Ferlazzo - A different type of tool to cut your grocery bill
  • Halloween by the Numbers - Oct. 31 is the top candy holiday in the United States. Check out the sweet stats racked up by ghouls and goblins
    Taxes
  • Excess Roth IRA Contribution - An excess contribution results in a 6 percent excise tax for each year that the excess contribution exists
  • Is Deferred Interest Tax Deductible? - Use average balance to calculate deferred mortgage interest
  • Loss on Home Sale not Deductible - IRS considers total transaction in sale of primary residence
  • Gift Tax Exclusion Allows Transfer - Avoid tax when gifting life insurance proceeds
    Everything Else
  • Dealing with a Product Recall - Was something you bought recalled? Would you know and what do you do?
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Retirement for Beginners - Dave gives a quick lesson on the best way to save for retirement
  • Eating Dog Food at Retirement? - Betty and her husband are worried about their debt level. Hear how Dave breaks down their situation
  • They're Engaged...Buy or Rent? - Robbie and his fiance have $60,000 in cash. Should they buy a house now or wait to get married?

    October 15, 2007
    Your Money
  • Stop Debt Collectors and Get Back on Your Financial Feet by John Ventura, Attorney - Know your rights
  • 9 Dumbest Retirement Moves - Like excitement? Follow these sure-fire ways to live out your golden years on the edge of a steep cliff
  • Fame & Fortune: Elisabeth and Andrew Shue - Siblings join forces in production company and debut film "Gracie"
  • Soldier in Common Bankruptcy Jam - Without paperwork, owner not liable for car loan balance in Chapter 7
  • Pay More, Get More Debit Rewards - Bankrate's Fall 2007 Debit Card Study shows free rewards programs lag in benefits, and those with fees give better rewards
  • Debit Card Problems to Watch For - Overdrawing your checking account and daily usage limits are just a couple of the potential problems with debit cards
  • 8 Tips for Using Debit Cards - Here are the best practices for using a debit card
  • More on Debit Cards - More info from Bankrate's Debit Card Study
  • Is Early Retirement Possible? - Reader Larry Anderson, 52, wonders if he is on track to retire at age 60. His wife plans to work until age 62
  • Dog Ate Your Dollars? Get a Refund - The Treasury Department will replace cash if your loss meets certain criteria
  • Credit Freezes Becoming Available - Two of three major credit bureaus say they'll allow consumers to put a freeze on
  • Fame & Fortune: 'Weird Al' Yankovic - Maturity hasn't tamed his obsession with nerdy culture
  • Court Order Required to Garnish Wages - Wage garnishment can become debtor's prison without the bars
  • Ben Stein Talks About Investments - The actor and author advises Bankrate readers to defer gratification, invest abroad and take it easy, among other things
  • Check Your Vitals and Take Your Financial Pulse - You don't need fancy medical equipment, just an idea of your debt, income and savings to gauge your financial health
  • 529 Plans Offer Excellent Tax Benefits - Joe Hurley, the College Money Guru, answers common questions about college financing
  • ARM Reset May Be Next Year - Loan documents determine when ARM interest rate will lower
  • Time Heals Credit Wounds - Too many credit card applications bruise credit report
  • Beware of Steep Overdraft Fees - This reader is perplexed about a $1,000 bank overdraft withdrawal
  • Typical HELOC Interest-Only at First - Paying down the principal on a HELOC lowers interest expense
  • Each Inquiry Hurts Credit Score - Taking the bait of promotional credit card offers can harm your credit score
    Your Family
  • 12 Free (Or Almost Free) Ways to Protect the Elderly by April Borbon - Simple fixes that will keep them safe, healthy and protected
  • Playtime by Irene Helen Zundel - Creative ways to make old toys new again
  • Working Out with Your Baby by Melanie Bowden - Make your baby your workout partner!
    Your Home
  • Finding and Buying Foreclosures - Could someone else's misfortune benefit your family?
  • Raised Beds on the Cheap by Susan McCanless - How to have raised beds for little or no money
  • Flower Pressing by Sandra Fisher - How to press flowers and earn money from home
  • The Dollar Store Shopper: Curing Kitchen Clutter by Marlene Alexander - Your kitchen is the most likely room to get cluttered
  • Skip the Dryer, Save Some Energy - You can cut your costs and also help the environment
  • Living Green, Saving Green - Stories, interactives and calculators to help you take proactive steps to protect the planet while saving money. After all, green is the color of money, is it not?
  • 153 Ways to Go Green - Bankrate's best tips and advice on "greening" the planet while saving greenbacks -- at home; with energy; with food and groceries; at school and work; with technology; with money and finance; at play and for health and beauty
  • Barriers Fall in Cohousing Communities - Some homeowners dispute the adage that good fences make good neighbors. Lots of shared space in cohousing developments, they say, makes better communities
    Your Food
  • Melt-in-Your-Mouth Cheap Steak Sandwiches by John Smith - Is there an alternative to a pricey rib eye or porterhouse?
    Your Auto
  • Alternative Fuels: Is Help on the Way? - With the prospect of cheap gasoline in the future looking pretty bleak, here's a closer look at alternative fuels and whether they can really replace gasoline
  • 10 Least Expensive 2007 Cars - Of the 10 least expensive 2007 models released, nine can be had for less than $15,000
  • Buyer Stuck with Higher Rate - Car company's lower rate a week too late for buyer
  • Lemon Laws Restricted - Most car manufacturers have representative for lemon law problems
  • Roll Car into Conventional Loan - Pay car loan through conventional lender rather than on credit card
  • Some Car Options Not Worth the Cost - Latest J.D. Power survey has a surprising wish list of car extras
    Your Taxes
  • Figuring Real Estate Depreciation - Rental real estate depreciation undergoes a makeover
  • Itemize Roth IRA Losses - Unused Roth IRA losses can't be carried over
  • IRA Distributions Fully Taxable - IRA distributions are considered ordinary income
  • Deducting Mortgage Prepayment Penalty - Mortgage penalty is deductible in job-related home sale
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Roll Over 401k - Jeanie's company is in trouble. Should she roll over her 401k?
  • Expensive Bulldogs - I have two dogs that are more work than my son, and we're out at least $4,700!
  • Take a Multi-Level Sales Job? - Dave gives his opinion on Jennifer and her husband taking jobs as sales reps in a multi-level marketing company
  • Mortgage Madness - "Feeling proud of myself for being so responsible, I neglected the most important factor of the whole deal: financing." Read more...
  • Selling a Small Business - Sharon wants to sell her small business. Hear Dave tell how to do it and what she can get for it

    October 8, 2007
    Your Money
  • Invest with Confidence by Damon Carr - 8 key points to successful investing
  • Would You Save on a Six-Figure Income? - Believe it or not, people earning big bucks have a hard time saving, too. Here's how to turn spenders into savers
  • Fame & Fortune: Pattie Boyd - Ex-wife of legendary rockers George Harrison and Eric Clapton pens a ballad of survival
  • Bankruptcy Trustee Can Still Recover Money - A discharge of debtor notice doesn't mean bankruptcy is over
  • Who Isn't Saving Enough for Retirement? - Bankrate's poll reveals that we put other financial priorities ahead of retirement savings goals, and even tune out retirement news because it's discouraging
  • Do You Have a Grip on Your Retirement? - How do your answers compare to that of others in the nation?
  • Ben Stein Talks about Investments - The actor and author advises Bankrate readers to defer gratification, invest abroad and take it easy, among other things
  • Buy College Plan Through Bank or Broker? - There are many ways to purchase college savings plans, including through banks, brokers, and even online
  • 'Hot Money' Seeks Highest Rates - Track the federal funds rate to find the best bank yields
  • 9th Annual Checking Study: Fees Soar Again - Americans are paying more at ATMs, for bounced checks and to earn interest on checking accounts. Beat the fees!
  • Consumers' ATM Fees Hit Record High - Americans now pay nearly $4.4 billion a year in fees
  • Bouncing Checks Is Costly at All Banks - But Internet banks do charge less for bad checks
  • Early CD Withdrawal Won't Hurt Credit - Credit score looks at credit, not deposit history
  • How Safe Is Your Bank? - The Bankrate Safe & Sound ratings feature is a quick and easy way for you to check the financial health of a bank, thrift or credit union
  • Check Your Bank's Safety Rating - Worried about the safety of your money? Use Bankrate's Safe and Sound database to see how your institution ranks
  • Fame & Fortune: Jodi Picoult - Author shifts from writing gut-wrenching drama to the fantastical with "Wonder Woman"
  • Paying for College Can Leave You Strapped - A public policy analyst challenges the debt-for-diploma system and explains why today's students have a more difficult task
  • Equity Loan Carries Higher Rate - When considering home equity loan, HELOC, or refinance, take into account the purpose of the money
    Your Family
  • Money-saving Ideas for Working Moms - Cooking from scratch just isn't feasible. What can working moms do to save money?
  • My Story: Giving Up TV for Good contributed by Clare - TV free and loving it!
  • School Lunches by Tawra Kellam - Save $400 on school lunches this year!
  • Kids and Money by Sam X Renick - Interview with Bob Bacarella, Money Manager and founder of the Monetta Family of Mutual Funds
  • Paying for College Can Leave You Strapped - A public policy analyst challenges the debt-for-diploma system and explains why today's students have a more difficult task
  • Go to College for Free - Scholarships aren't just for brainiacs. Follow these steps to find one you qualify for -- and learn how to win it
    Your Home
  • Homesteading and Country Living by Pat Veretto - Happily living 'beyond the sidewalks'
  • Teen Bedroom Decorating by Kathy Wilson - Five tricks that'll make your teens happy with their space
  • Interest-Only Bridge Loan Has Risk - Interest-only ARM's monthly payments can increase if it converts to fixed-rate mortgage
  • Everyone Could Win on Home 'Short Sale' - A 'short sale' means a lender allows a house to be sold for less than is owed on it and accepts the loss. It can be good for lender, seller and buyer, but there are elements of risk
    Your Food
  • School Lunches by Tawra Kellam - Save $400 on school lunches this year!
    Your Auto
  • Top-Selling Cars? They're Trucks - Ford, Chevy and Dodge pickups pace the parade while the only passenger cars in the top five are Toyota Camry (No. 3) and the Honda Accord (No. 5)
    Your Taxes
  • Profits Retained in LLC Are Taxed - LLC structure not a good choice for an operating business
  • 1031 Exchange Has Time Constraints - Use a U.S. expert for foreign 1031 exchange of residential property
  • Foreign Medical Care Deductible - Going abroad for surgery? You can deduct some expenses
    Everything Else
  • Dress Like a Diva on a Thrift Store Budget by Kimberly Danger - Create the look you want at a price you can afford
  • Postal Savings Ended in 1985 - Postal Savings System certificate from 1935 might have value to a collector
  • Your Guide to Saving on Over-The-Counter Drugs - You can save big by buying off-brand and store-brand over-the-counter medications
  • Saving on Vitamins - Often the ingredients are the same in discount versions
  • Comparing the Cost of Drugs - You can find big price discounts by shopping around
  • Finding a Drug's Active Ingredient - You can save if you know what to look for
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Husband Borrowing? - Crystal's husband is borrowing money for small projects. How can she stop it?
  • Frugality Buys Freedom - "Instead of buying anniversary cards for each other, my husband and I went to the store together..." Read more of Shelley's story
  • My Good Intentions Cost Me - Kathy had high goals to go to the gym after paying for a membership. However, one day she just stopped going but continued to pay. Read more...
  • In Over Your Head - It's no coincidence; more Americans are spending too much for their house, and less Americans are happy
  • Explain an MSA - A self-employed caller asks if a medical savings account is better than what he has now

    October 1, 2007
    Your Money
  • Proposed Regulations for the Credit Card Industry by Curtis Arnold, Founder of CardRatings.com - Do they go far enough?
  • The Connection Between Personal Finance and Self-Esteem by Cathy Kohm Tanaka - Achieve your financial goals and be a lot happier with yourself
  • The Greening of Credit Cards - Credit card issuers are jumping on the environmental bandwagon by offering rewards programs that support causes or offset emissions. But are these cards a good deal?
  • Credit Freezes Becoming Available - Two of three major credit bureaus say they'll allow consumers to put a freeze on
  • Fame & Fortune: Adrien Brody - This Oscar-winner spreads his comedic wings in his latest film, "The Darjeeling Limited"
  • Bankruptcy Means Higher Interest Rate - The key to keeping a home is getting the right loan at right time
  • How to Invest When Rates Are Falling - With CD and bond yields plummeting, financial advisers recommend where you should put your money now
  • HELOC Holders Give Fed an Ovation - The Federal Reserve Rate cut gives HELOC owners reason to smile, as their rates will also decrease
  • High-Yield Savers Will Feel the Fed Pinch - The Fed's 50 basis point cut means savers can pretty much kiss 5 percent goodbye. What's a saver to do?
  • Fame & Fortune: Kathryn Morris - "Cold Case" actress revels in strong femininity
  • Overseas Servicemen Have Special Rights - The Debt Adviser advises that deployed soldier has special rights to dispute $4,000 cell phone debt
  • No kids? Plan Retirement Carefully - Nest egg alone won't cover long-term care in golden years
  • Keep 401(k) Invested as Long as Possible - Draw on taxable retirement accounts before tapping the 401(k) for income
  • Consider Tax Impact before Cashing In - Savings bonds provide student a cash reserve
    Your Family
  • Start Your Summer Vacation Planning Now by Elizabeth Blair - Take a vacation that you can afford by starting now
  • Fall Leaf Collage by Rachel Paxton - Easy to make and provide hours of fall fun
    Your Home
  • Homemade Fireplace Logs - Could you recycle your old newspapers into needed heat this winter?
  • Frugal Ways to Winterize Your Home by Amy Allen Clark - Reduce your winter heating bills
  • Homemade Laundry Detergent by Jenn @ Frugal Upstate - Is it cost effective to make your own detergent?
  • My Story: Corn Stove Complaint contributed by Diane - Negatives to corn stove ownership that you may not have heard
  • Use Cash-Out Refi if Credit Is Good - Refinance is better than HELOC for home improvement costs
  • Additional Mortgage Payment Monthly or Biannually? - Additional principal payments can be biannually or monthly
  • Put Extra Cash Toward Mortgage Instead - Accelerated mortgage software package not worth the money
    Your Food
  • My Story: Avoiding Take-Out Meals contributed by DG - Planning ahead eliminates temptation
    Your Auto
  • Automakers See Green Across Their Business - Some manufacturers are adding additional environmentally friendly processes, materials and technologies to the auto manufacturing business
  • Carmakers Rev Up Appeals to Women Buyers - Manufacturers are cranking up efforts to appeal to the huge female market through the design of vehicles and advertisements
    Your Taxes
  • Deductible Losses for Professionals - Real estate expenses are deductible through depreciation
  • IRS Will Tax Deductible IRA - If you haven't filed IRS form, you will have to prove nondeductible IRA contributions
  • Deducting Drug Rehab from Taxes - Drug rehab medical expenses for family member may be deductible
  • COBRA Reimbursements Not Taxable - Employers often use cafeteria plan to exclude health insurance from wages
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Diet Pill Rip-Off - Fifteen days later I was charged $100 for the next two months' supply of this pill that I still have yet to even try!
  • Our Stupid Car Mistake - Trish threw away thousands of dollars to fix her car when it wasn't even needed! If you can avoid this stupid tax, you will save thousands!
  • Affording a House - What's the rule of thumb to go by when determining how much house you can afford?
  • Starting Off Right - Josh is only 19 but is already thinking about what it takes to be rich. How does Dave tell him to get started?
  • Owing Back Taxes - Ryan's parents owe the IRS and received a call that could eliminate some of the penalties. Is it for real?
  • This Beats a Credit Card Every Time - Jan's family has decided to never pay for stuff after the fact; they're saving up, paying cash, and loving it!
  • No Insurance on Debit Card - Marlin quizzes Dave on renting a car with a debit card and paying extra for insurance

    September 24, 2007
    Your Money
  • Hidden Costs by Jeffrey Strain - What is the true cost of an item?
  • Customized Budgeting Software by Gary Foreman - Is there such a thing as a one-size-fits-all budget template?
  • Rebate Runaround by Bob Osgoodby - The reality is they hope you won't get the rebate
  • Various Factors Impact Credit Score - Keep credit card balance at 30 percent or less of total available credit
  • Keep Marital Split Fair and Equitable - Don't empty retirement account in divorce
  • Fit Interest-Only Loan Term with Holding Period - Interest-only loan improves monthly cash flow of rental property
  • Don't Use Emergency Fund to Pay Loans - Keep your savings while you pay down the loans
  • Putting All Your CD Eggs in One Basket - It's not a good idea to have all your savings in one place
  • Fame & Fortune: Mary Higgins Clark - Art imitates life in latest whodunit
  • Short Sale or Foreclosure? - Bankruptcy and foreclosure are twin bombs on a credit report
  • College Financing - From savings strategies to last-minute funding tips, here's how you can pay for college
  • Go to College for Free - Scholarships aren't just for brainiacs. Follow these steps to find one you qualify for -- and learn how to win it
  • Want to Save $422.85 a Month? - Many people claim they have no money to save. This chart shows just how much you can save without cutting out any fun
    Your Family
  • College Financing - From savings strategies to last-minute funding tips, here's how you can pay for college
  • Go to College for Free - Scholarships aren't just for brainiacs. Follow these steps to find one you qualify for -- and learn how to win it
    Your Home
  • My Story: Why I Returned to Doing Laundry the Old-Fashioned Way contributed by Francine - The "old way" of doing laundry is really much easier and cheaper
  • Cheap and Easy Wall Decorating by Kathy Wilson - Easy ways to dress up your walls
  • Installment Sale May Spark Home Sale - An often overlooked sales technique could make your property more attractive to buyers and could even save you plenty in taxes
  • Over-Leveraged Borrower Wants to Keep House - Can a HUD-approved agency can help save their home?
  • FHA Saddles Up to Help Delinquent Borrowers - A bailout plan, FHASecure, aims to prevent foreclosures for those who fell behind because the rates went up on their adjustable-rate mortgages
    Your Career or Small Business
  • Getting Paid to Be There - What jobs allow you to study, write or do something else while you're still getting paid?
    Your Food
  • Organic and Frugal? by Pat Veretto - Can you buy organic foods and still be frugal?
    Your Auto
  • Greenest and Meanest Cars for 2007 - These are the best and worst five cars sold in the U.S., considering fuel mileage, emissions and the effect of the emissions on the planet
  • Hottest Car Colors - Silver's still tops but it may start to decline. See how your car color stacks up -- and what you should look for next
  • The Art of the Deal - Can you land a fair deal on a new car or make the classic buyer mistakes? Step onto the virtual lot of Bankrate Motors, where typical salesmen are pitted against typical buyers
    Your Taxes
  • Death Benefit Part of Taxable Estate - Transfer life insurance policy to children to avoid estate tax
  • Income Spike Can Trigger Quarterly Tax - Tax on IRA conversion depends on withholding
  • Businesses Can Benefit from Hiring Offspring - A dad and daughter working together can provide tax benefits for the child and the family business
  • The High Tax Cost of Winning - A winner of a prize has discovered a hard tax lesson. IRS requirements definitively diminish some of the thrill of winning
  • Paying Estimated Quarterly Taxes - If you're self employed, have substantial investment income or run a business, paying taxes is a quarterly event, and the day is fast approaching. Here are the rules
  • Limited Tax-Break Options on a Lost Deposit - A reader who forfeited a $40,000 condo deposit can only count it as a capital loss
    Everything Else
  • My Story: How I Got a Free Ivy-League Education contributed by Anna D. - Taking advantage of tuition remission benefits
  • Appealing an Out-of-Network Claim Denial - Use this form letter as a guide when disputing a health insurance claim denial based on out of network benefits
  • 6 Strategies for Filing Successful Complaints - Tired of getting the runaround? Here's how to master the art of complaining and get results
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Get Out of Financed Car - What's the best way for Exim to get out of his financed car deal?
  • Bonus Points Are Not Free - Anthony's "free" credit card bonus points cost him over $90! If it's too good to be true, it probably really is
  • Saying No to Consumer Debt - It's always a good idea to not buy things - especially a car - on the spot. Thankfully, Debbie and her husband stopped themselves before they made a drastic financial mistake!
  • Saving for an MBA - How can Mark save up to pay for his MBA with cash?
  • Pay the Tolls! - Forty-cent toll fees add up if you don't pay them! Cody learned this the hard way...
  • We're Proof - There's Hope Mike and his family have been able to deal with the recent curveballs of life while still working to get out of debt
  • Income Crisis - Teresa has a $784 debt that she's being hounded for, but Dave doesn't think that's her problem

    September 17, 2007
    Your Money
  • For Richer, For Poorer by Steven B. Smith - Managing your finances to live happily ever after
  • Tightwad Treasures by Nikki Willhite - Knowing and treasuring what brings true happiness
  • Avoiding Estate Fights if Parent Remarries - Poor planning can mean court battles between children and the new spouse
  • Safe & Sound Ratings Do Change - FDIC will protect insured deposits
  • Fame & Fortune: Patricia Arquette - This film and television star's modest upbringing in a creative family grounds her for success
  • Auto Lien Means Lender Can Repossess Car - This reader should not expect to remove an auto lien during bankruptcy
  • Do's and Don'ts for Fending Off Foreclosure - Even after your lender sends a default letter, there are still ways to keep your house. There are also ways to make the situation worse
  • Get a Jump on Santa, Start Saving Now - Don't let the holidays catch you by surprise. Plan now for expected expenses to avoid being snowed in by bills until spring
  • Celebrities Talk About Insurance - The rich and famous share their rather unique views about insurance
  • Nascar Drivers Spending Power - It doesn't matter how high their insurance premiums are. They can afford it more than the average driver
  • 'Die Broke' Expert Likes Insurance - Financial expert Stephen Pollan, author of "Die Broke" and "Live Rich," believes insurance is an essential component of personal finances
  • Working Out of a Payday Lending Hole - Payday loans are a poor way to handle debt
  • Facing Foreclosure? Try a Workout - If you're in trouble with your mortgage, here are steps to take to work out a solution with your lender
  • 5 Easy Steps to Finding an Insurance Agent - Take these steps to find an agent or broker to help you manage risk with the right insurance coverage
  • Getting Out of a HELOC - It's not likely you'll improve your present rate with a refinance
  • Trying to Avoid Paying PMI - You might try refinancing to one mortgage
    Your Family
  • Adult Children Living at Home - Getting them to contribute
  • For Richer, For Poorer by Steven B. Smith - Managing your finances to live happily ever after
  • How to Host a Baby Shower by Tricia Goss - Throw an enjoyable shower while keeping your budget intact
  • 10 Tips for Creating a Wedding Registry - Set up a gift registry that's user friendly
  • How to Split Up the Family Home - Estate issues get complicated, emotionally and financially, when siblings must finally decide what to do with mom and dad's house
    Your Home
  • Basil Fact Sheet by Monica Resinger - A useful, decorative and valuable herb that takes minimal effort to grow
  • Avoiding a Subprime Mortgage - The best way to avoid subprime is to have a prime credit rating
  • Getting a Credit Report Problem Fixed - You should focus on getting it repaired and not on a lawsuit
  • Do's and Dont's for Fending Off Foreclosure - Even after your lender sends a default letter, there are still ways to keep your house. There are also ways to make the situation worse
  • Trying to Avoid Paying PMI - You might try refinancing to one mortgage
  • Foreign Buyers May Help Housing Market - With the dollar and home prices down, the U.S. real estate market is once again attractive to buyers from Europe and Central and South America
    Your Food
  • Basil Fact Sheet by Monica Resinger - A useful, decorative and valuable herb that takes minimal effort to grow
  • Checking the Fine ... Price by Jenny Lin - It pays to check receipts
  • Hamburger Funny Faces by John Smith - Feed 10 with only 3 pounds of hamburger!
    Your Auto
  • Cars Cost Half of Family's Annual Income - Cars got a little more affordable in the first quarter of 2007 but still cost a family nearly a half year's pay
  • How Hybrid Cars Really Work - Sure, we all know the most common are those that use both gas and electricity, but how's it done? Here's a closer, animated look
  • High Hopes Remain for Hybrids - Hybrids have a big reputation to uphold. Are they living up to their hype?
  • Auto Lien Means Lender Can Repossess Car - This reader should not expect to remove an auto lien during bankruptcy
    Your Taxes
  • Don't Worry about Disability Taxes - Amounts received under a private disability policy are not taxable to the benefit recipient
  • Picking the Right Time to Transfer an IRA - A reader's age and personal deduction circumstances make it an opportune time to transfer retirement money to a CD
  • Dual Residences Demand a Tax Home Decision - Travel expenses when you are temporarily away on business usually are deductible. The key is determining your tax home
  • Taxes and the Business Use of a Home - In some cases business use of a principal residence won't adversely affect the home-sale tax exclusion
    Everything Else
  • 10 (Free) Ways to Improve Your Health by April Borbon - The basic components of good health are free of charge
  • What To Do with Old Wedding Gowns, Rings - After the marriage is over, you have one more disappointment: how little value the market places on your cherished keepsakes
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Bad to Intern for Free? - Brad asks Dave if what "they" say is true ... does interning for free turn off some companies?
  • Car Payments - Guess how much money you're wasting by taking out car loans?
  • Paying for Magazines I'll Never Read - Tammie signed up to receive magazines she'll never read! Don't fall into the trap of this scam...

    September 10, 2007
    Your Money
  • Super Frugal vs. Just Trying to Save a Buck by Amy Burns - The basic rules of frugality
  • What Happens When Lenders Go Bankrupt - You still have to pay your debt
  • Leave Your Life Insurance Loan Alone - Deduction from home equity tax deduction may not be worth it
  • 5 Steps to Simple College Saving - Paying for a college education doesn't have to be painful if you have a plan
  • The Falling Dollar Could Hurt Your Retirement - A weak dollar and inflation could undermine your savings. Investing in foreign stocks, CDs or funds may be a way to combat the hit
  • Investors Their Own Worst Enemy - Timing the market may make you feel safer, but it can make you poorer. Trading costs and our inability to accurately forecast the future are to blame
  • Get Secured Card to Build Credit - Make sure the payment history is reported to credit bureaus
  • Might Be Best to Give Up Home - If you're upside down in the loan, you probably don't want to keep it
  • Fame & Fortune: Debbi Fields - This "cookie monster" turned a love of baking into a corporate behemoth by sticking to her personal recipe for life: Good Enough Never Is
  • Keep Education Money in Parents' Name - It can make a big difference down the road
  • Dealing With an Over-Aggressive Collector - What can you do with an over-aggressive debt collector who is making illegal threats?
    Your Family
  • Teach Your Children Better Money Skills courtesy of Mint.com, www.mint.com - 6 steps towards a financially savvy youngster
  • My Story: Enjoying Movies on the Cheap contributed by Terry - Don't miss out on the little extras that make life worth living
  • Scammers Fetch Online Puppy Buyers - Thinking of buying a pet online? You're taking a big chance of being cheated
  • 5 Steps to Simple College Saving - Paying for a college education doesn't have to be painful if you have a plan
  • Keep Education Money in Parents' Name - It can make a big difference down the road
    Your Home
  • Groundhogs! - Looking for a natural way to protect a veggie garden
  • Heat, Humidity and Mold by Gary Foreman - Controlling the temperature, humidity and her budget
  • How to Arrange Bookshelves by Kathy Wilson - Quick guidelines to transform cluttered shelves into warm design details
  • Paying Off Mobile Home Early - You may be confusing remaining balance with the sum of the payments
  • Home Sellers Offer More Buyer Incentives - Today's buyer wants money-in-pocket value, not frills. If your home is competing with nearby new construction, be prepared to offer the same or equivalent incentives as the builder
  • How to Entice Home Buyers Today - To sell your home today you need to provide buyers with the right incentives
  • Might Be Best to Give Up Home - If you're upside down in the loan, you probably don't want to keep it
    Your Career or Small Business
  • How Long Should a Resume Be? - One page is best, but if you must go longer, here's how to do it
    Your Food
  • How to Make Sourdough Starter by Pat Veretto - Make and maintain your own sourdough starter
    Your Auto
  • 5 Favorite Family Cars - Multitasking moms are finding cars with technology that give directions, let them talk safely on the phone and watch the kids via mirrors and cameras
  • Domestic Small-Car Sales Still Lagging - Only Saturn seems to be on the right track to produce compact, fuel-efficient cars to compete with the Japanese and Korean brands
  • "New" Diesels Boost Mileage, Reduce Soot - Beginning with 2008 models a slew of carmakers will unveil new diesel vehicles that run clean on peppy turbocharged engines, sip fuel and go for hundreds of thousands of miles without significant engine work
  • Top 10 New Cars for Future Value - With today's car loans extending five years or even longer, a vehicle's residual value -- the retained value of the car as it grows older -- has become a more important factor in a new car purchase
    Your Taxes
  • Tax Costs of Giving Away Your House - It often seems like a good idea, but transferring your home's title to your children can be costly at tax time
  • Pay Close Attention to Retirement Rollovers - Direct transfer of retirement accounts between trustees usually is a simple transaction and protects the account holder from early distribution taxes
  • Selling an Inherited Home - Tax law gives heirs a break on the value of inherited property, but you'll still owe capital gains taxes when you sell
  • Coordinating Tax Breaks on International Properties - A loan on a New York property will help a reader buy an international residence, but the interest isn't automatically deductible
    Everything Else
  • Deadbeats by Michael Webb - It's time to halt the spreading plague that threatens the fabric of our nation
  • Slash Insurance Costs - Save money on insurance without sacrificing coverage with these smart tips
  • Test Your Insurance I.Q. - Test your knowledge of health insurance, auto insurance, ID theft insurance, life insurance, disability insurance and homeowners insurance with this quiz
  • Kathy Buckley Takes On the Insurance Industry - The five-time American Comedy Award nominee cracks jokes as she reveals cracks in the system
  • Online Poll: How Do You Feel About Insurance? - Take our poll to see how your answers compare to that of others in the nation
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Just Saying No - One simple, little word is all that stands between you and becoming debt free
  • The $12,000 Manicure - Acrylic nails definitely add up to be expensive, as Christina found out the hard way

    September 3, 2007
    Your Money
  • Save Your Home from Foreclosure by Damon Carr - Tips to help you prevent and avoid foreclosure
  • Ancient Financial Wisdom by Sabrina Savra - 5 strategies from King Solomon
  • Are Americans Insurance-Savvy? - When it comes to the major decisions pertaining to health, life and disability insurance, Americans understand insurance nuances. The question is debatable when it comes to more focused insurance products
  • Filing Bankruptcy One Spouse at a Time - The question is, when is it best to file individually?
  • Market Turmoil Got You Nervous? - Statistics show that many investors are selling stocks and investing those dollars in money market funds until they feel that it's safe to move back into stocks. But is that the best move now?
  • Fame & Fortune: Clay Walker - Living a full life despite multiple sclerosis, the country singer lives in harmony with the words to his hit song, "Money Ain't Everything"
  • Planning Finances before the Wedding - Dr. Don advises a reader who is getting married and wants to plan the finances to avoid problems if they later split
  • Boss Can Check Your Credit Report - She's unhappy because she thinks her husband's boss checks the husband's credit report
  • Double Whammy: Foreclosure and Taxes - Losing your home in a foreclosure is bad enough. Wait until you get the tax bill
  • Borrow or Cash in Savings? - Consider how long it will take to pay back the loan
  • Deposit Safe if FDIC Insured - He worries that mortgage securities problems threaten his deposits
  • Leveling the Credit Counseling Field - A group of law professionals have created the Uniform Debt Management Services Act for state governments to adopt to provide guidance and oversight for credit counseling agencies and debt settlement companies
  • Prepare Yourself before Seeking Debt Help - Ask the right questions before you sign on for the service
  • Know Your Options: 529 vs. Coverdell - The upsides and downsides of the popular college savings plans are shown in a handy chart
  • Don't Worry about 'Liquidity Squeeze' - A reader who wonders if a "liquidity squeeze" will drive up CD rates
    Your Family
  • I Want It... And I Want It Now! by Kimberly Danger - Modeling impulse control for our children
  • Kids and Money by Sam X Renick - Interview with Louis Barajas, Wealth & Business Planning
  • Schools Want to Ease Your Tuition Struggles - By using grants and making other changes to financing, many colleges are trying to help students graduate debt free
  • Planning Finances before the Wedding - Dr. Don advises a reader who is getting married and wants to plan the finances to avoid problems if they later split
    Your Home
  • Updating Kitchen Cabinets - They were custom made to match her paneled walls. What's the best update?
  • Save Your Home from Foreclosure by Damon Carr - Tips to help you prevent and avoid foreclosure
  • A Look at Mortgage Acceleration Plan - You can get the same results by prepaying principal
  • Small House Can Be a Good Fit - Tired of the big tax, big electric bills and big insurance premiums that accompany your suburban mansion? Then you might be a good candidate to join the ranks of owners moving to small homes
  • Get the FAQs on Mortgage Resets - You've got the questions, we've got the answers
    Your Career or Small Business
  • Should I Answer the Salary History Question? - Not providing a prospective employer with a salary history may not disqualify you from the job
    Your Food
  • Marine Corps Railroad-Style Barbecue Sauce by John Smith - Turn a cheap cut of meat into a feast with this homemade barbecue sauce
  • Cooking for Less by Marianne Giullian - Using inexpensive ingredients
  • Frugal Fun with Food - Turn your dinner leftovers into lunch the next day
    Your Auto
  • All New Cars for 2008 - Bankrate's rundown on cars you can expect to find in dealer showrooms that are all new or have major redesigns for 2008
  • Gas-Saving Devices Mostly a Scam - Government tests show most gadgets don't do a thing to help improve mileage
  • Green-Fuel Cars Almost Here - We've heard about them for ages, but cars powered by electricity, hydrogen and even the wind are starting to appear. But they'll cost you
    Your Taxes
  • Uncle Sam Doesn't Tax Workers' Comp - Because these benefits cover injury payments in addition to replacing lost wages, the money is generally tax-free
  • Tax Law Overrides Promises and Promissory Note - A promise to share residential tax breaks with a former partner has no weight with the IRS
  • Forced Sale of a Vacation Home - Since the state is forcing a reader to sell his vacation property, he can avoid taxes on the government money by using it to buy a similar replacement house
  • Tax Costs of a Residential Gift - The IRS won't get anything from the transaction between a reader and her generous family, even though it's likely the most expensive gift she'll ever receive
  • Double Whammy: Foreclosure and Taxes - Losing your home in a foreclosure is bad enough. Wait until you get the tax bill
    Everything Else
  • Maximizing College Studying by Martin Francisco - How to get the most out of your study time
  • Home Workout or Join a Gym? - Be honest about what you want to do and what you already have available
  • Cost of Exercise Equipment - A quick look at some of the prices for various exercise options
  • Dealing with Unfair Insurance Practices - For complaints and questions, call your state insurance department, says Sandy Praeger, Kansas's insurance commissioner
  • Denied Insurance. What Now? - Time isn't on your side in cases of insurance claim denials. Follow these steps to get results before the clock runs out
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • The Cleanest Carpets In Town - "We regretted the decision after we could no longer fool ourselves into believing we'd made a good purchase"
  • Deep In Debt - The numbers on consumer debt in America are staggering. It's why you need to stay away from credit cards
  • My Car Got Towed. Why? - Benito said because he was lazy. He learned to take "Towing Enforced" signs seriously! Read more...

    August 27, 2007
    Your Money
  • Steps to Take before Signing Student Loan Agreement - Need a loan to pay for school? Make sure you know these facts and ask these questions first
  • Inflation is Down, But Not Out - The good news is that price increases are slowing down. The bad news is that they are slowing down from rather high rates
  • Ignore the Color in Picking Credit Card - Just select the one that is best for your needs
  • Authorized User Wants Off Account - Any hit to your credit score will be temporary
  • Payment Protection Plan Is Expensive - Insurance for your credit card is very costly
  • Can't Fight NSF Charges - Banks will process the biggest checks first
  • Mortgage Inquiry Won't Hurt Credit Score - Multiple inquiries need to be made in a relatively short period of time
  • Fame & Fortune: Don LaFontaine - Despite being virtually unknown outside Hollywood, Don "Mr. Voice" LaFontaine may be the busiest actor in history
  • Understanding Your Insurance Needs - The risk-management tool that helps keep your personal finances in balance when disaster strikes
  • 5 Insurance Products that You Must Have - Insurance is tricky business. Find out whether you need it, how much you need and what type of policy to buy
  • Using Own State's 529 Plan Is Fine - However, in some states it does make a difference
  • Newly Wed and Deep in Debt - You need to change some of your spending habits
    Your Family
  • The $500 Wedding by Jenny Harrington - Two sisters show the way to a frugal wedding
  • Countdown to College Calendar - Senior year of high school is a critical planning time for college. Here's what you need to do and when
    Your Home
  • Why I Like Vinegar by Kristin Andrews - It's not just for salads any more!
  • How to Buy Used Canning Equipment by Pat Veretto - Know what to look for or you could be buying inferior, possibly dangerous equipment
  • How to Make Your Own Kitchen Pot Rack by Kathy Wilson - Make a designer pot rack for less than $15
  • Tenant Screening Could Cost You Rental - Landlords now use tenant screening reports to vet potential renters. But like credit reports, they're sometimes inaccurate
  • Mortgage Seekers Going Conservative - The subprime meltdown has buyers taking fixed-rate loans
  • Home Prices Fall in One-Third of the Nation - Home values fell so steeply in Michigan, Ohio, Florida and New Orleans that they dragged down the median price for the whole country. How did your home fare?
  • Worried about Countrywide? - When the nation's biggest mortgage lender and "bankrupt" appear in the same sentence -- even as a hypothetical -- people take notice
    Your Career or Small Business
  • The Working Woman's Wardrobe by Asia Negron-Esposito - Staying fashionable without spending most of what you make
  • Help Employers Help You: Resume Keywords - It's not easy for job seekers to get noticed online -- unless you know the right words
    Your Food
  • Better Slow Cooker Meals - She's looking for recipes that won't dry out
  • An $1800 Grocery Bill by Gary Foreman - What am I doing wrong?
  • How to Buy Used Canning Equipment by Pat Veretto - Know what to look for or you could be buying inferior, possibly dangerous equipment
    Your Auto
  • Wet Carpet Ask Bob: The Auto Answer Man - If it's not the heater core, what is it?
  • 8 Top Traffic Ticket Myths - As law enforcement continues its summer-driving season crackdown on speeders, Bankrate takes a look at some of the most common misconceptions surrounding tickets and how to beat them
  • Hybrids Going Mainstream - After seven years on the U.S. auto market, hybrid gas-electric vehicles have gone from being merely an environmentalist's political statement to a legitimate option for mainstream car buyers
  • The Real Cost of Owning a Car - Required expenses such as gas and insurance -- plus depreciation -- can make a big difference after you take your four-wheeled baby home
    Your Taxes
  • Home Sale Exclusion Requires U.S. Residency - Even if you own and live in a U.S. property, tax residency requirements must be met before you can claim the home-sale exclusion
  • Divided Lot Limits Tax Break - A couple can sell a portion of their property, but they must sell it all to get the most tax benefit
  • Tax Implications of a Family Loan - Most relatives don't demand interest, but Uncle Sam does. Tax law requires interest on such loans at the applicable federal rate
  • Writing Off Interest on a Rental Refi - A property owner might be able to deduct his loan costs on another rental property purchased with the funds
    Everything Else
  • Save by Shopping for Generic Drugs - Experts say they're just as safe as prescription drugs, and usually much cheaper
  • Comparing Drug Costs - A graphic shows the differences in drug costs
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • It Pays To Do Your Homework - Take the time to shop around and compare prices before buying something
  • Don't Borrow Against Stocks - In the name of "fun", Brian borrowed against his stocks and ended up losing a big chunk of change. Read more...
  • We Paid Off $34k in 17 Months - After living 18 years always deep in debt, Shea and her husband decided to change their ways and are never going back!

    August 20, 2007
    Your Money
  • Those Who Give Too Much by April Borbon - Some people get into trouble buying for others
  • Multiple IRA Accounts No Problem - But the limit applies to all accounts
  • College Savings Plans - This interactive map will help you evaluate different states' 529 savings plans
  • Live on One Income, Invest the Other - Getting an early start on retirement planning is a good idea
  • The Quest for Retirement Income - Annuities are popular options for providing income in retirement. But many financial services companies are looking for newer and better ways to provide income
  • Protecting Inheritance Despite Bankruptcy - It depends on factors such as where you live and how much you got
  • Fame & Fortune - Musical genius Peter Frampton "comes alive" again
  • Don't Rush Decisions When Spouse Dies - After a spouse passes away, handling the financial issues can be daunting. Financial planners offer their advice for tackling this difficult task
  • Long-Gone Spouse Still Causes Problem - It doesn't matter what the divorce decree orders
  • Top 10 Money Drains - Frittering away money on small everyday expenses eats into your bottom line. Avoid them and pocket the savings
  • Small Steps Count When Saving - Personal finance expert Jean Chatzky explains why it's so important to build an emergency fund, as well as how to do it
    Your Family
  • Scam Proof Your Family by Shaunna Privratsk - Using common sense to protect your family
  • Insuring Your Wedding Ceremony - Some couples opt for insurance protection against ceremony calamities. Cold feet, however, are not covered
    Your Home
  • Septic System Crisis - They just bought a new home and can't afford a new septic system
  • How to Buy Hand Tools by Tricia Goss - Fill your toolbox with the right tools at the right price
  • Have a Messy Kitchen? Try Re-Zoning! by Char Gietz - Find what you need when you need it
  • Creative Kids' Rooms on a Budget by Kimberly Danger - Using a little imagination and a touch of whimsy
  • When Your Lender Goes Bankrupt - You've been preapproved for a mortgage and the lender goes bust. What now?
  • Bad News for Jumbo Mortgage Loans - Buyers of pricey houses are finding that money has suddenly become more expensive to borrow. Ditto for loan applicants who don't want to prove that they told the truth about their incomes
  • How Much House Can You Afford? - To understand how much you can pay, you must know what your debt-to-income ratio is. That's what lenders want to know, too
  • Sharing Homeownership Pays Off - Dividing the cost of a vacation home has many benefits. Here's how to get into the game
  • 12 Ways to Cut Cooling Costs - Cut your energy bills with these simple steps
  • Mortgage Payment Must Include Interest - You can't just pay the principal on a loan
  • Bridging the Gap between Buy and Sell - It's hard to do a refinance on a house that's for sale
  • Paying Off a Balloon Loan - You can do it by making extra principal payments
    Your Career or Small Business
  • Resume: Before and After - A homemade resume gets professional treatment. See the results
  • Resume Services Give the Edge You Need - Using a resume-writing service can pay off, but how much will it cost?
  • Go Beyond the Internet to Land that Dream Job - The big job boards are just the beginning of using the Web to find work
    Your Food
  • Brown Bag Blues by Tamara Wilhite - Balancing efficiency and variety
    Your Auto
  • What Women Really Want - From a Car - When it comes to car shopping, female buyers usually put function over flash
  • How Far on a Tank of Gas? - Try this fun interactive tool to see how far you could travel on a tank of gas in the highest and lowest mileage cars, plus the cost per mile
  • Buyers Stretching Car Payment to the Limits - Consumers are paying more, extending loan terms, and making smaller down payments, according to a recent study by the Consumer Bankers Association
    Your Taxes
  • Rebalancing Investments in Your IRA - In rebalancing your portfolio, you can still keep your retirement money in a tax-favored account
  • Filing Issues Cost Former Spouse - Unfortunately for an ex-wife, her former husband made smarter post-divorce tax moves
  • Deducting Investment Property Losses - A seller of rental real estate that's lost value has several potential deduction options
  • Love Loss and Stock Losses Both Cost - A divorced couple can no longer use each other's stock transactions to offset capital gains
    Everything Else
  • No Apologies by Amy Burns - Recently graduated, she decided to quit apologizing for her lifestyle
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • The Costs of Moving - An opportunity to transfer jobs and locations sounded like a great idea to Greg in the beginning, but after paying over $15,000 in stupid tax, he's not so sure
  • 75% of Parents Have No Will - These stats on wills are just shocking
  • 21 Years Old and Almost Debt Free! - This young couple is on their way to being debt free and changing their lives and family tree forever!

    August 13, 2007
    Your Money
  • Windfalls: Bonus or Bust by Annette and Steve Economides - Design a plan to deal with any excess that comes your way
  • Perspectives by Gary Foreman - How you look at your situation could make all the difference
  • The Four Terrible Money Mistakes We Make With Our Kids courtesy of MyMint.com - Teaching children to become financially responsible adults
  • Checking Short-Term Savings Options - The best choice is probably a money market account or mutual fund
  • Late Pays Hurt Credit Score - Paying on time for a while will rebuild your score
  • Will You Kick Back or Sweat Out Retirement? - The news is mixed, but mostly not good. Americans, and boomers in particular, need to inject their retirement plans with steroids
  • Lucky 13 Savings Strategies - Following these tips can help you get in control of your finances
  • College Saving Options for Everyone - Compare the benefits and tax consequences of savings bonds and custodial accounts
  • Newfound Wealth Brings Anxiety - You definitely need to hire a financial adviser
  • Women Trail Men in Saving - Experts sound off about the results of our latest poll on emergency savings and why women are worse off than men
  • Who Should Manage Your Money? - Banks are creating new levels of service to serve the mass affluent market. As your net worth increases should you hand it over to a bank to invest or are you better off with a traditional brokerage firm?
  • Building Up an Emergency Cushion - This single mom needs to direct her savings more efficiently to investments that better serve her needs
  • Making Money Real to You - Use these tips to translate your financial plans from abstract concepts into concrete routines
  • Boyfriend's Credit Won't Affect Yours - But make sure you don't co-sign anything for him
  • Fame & Fortune - When it comes to comedy and finances Lisa Lampanelli the "loveable queen of mean" is strictly old school
  • 28 Ways to Save for an Emergency Fund - Slash your spending and free up cash by following these money-saving tips
  • Different States, Different 529 Plan Rules - Most important on the rules in the state where you live
    Your Family
  • The Four Terrible Money Mistakes We Make With Our Kids courtesy of MyMint.com - Teaching children to become financially responsible adults
  • Save on Back-to-School Shopping - Tax holidays lead the way for being thrifty while getting the kids ready for school
  • 4 Money Lessons for Kids - As a parent, if you can school your kids on these key fiscal facts, they'll have a good foundation for sound money management
    Your Home
  • Compact Florescent Lights - They may be green, but do they provide enough light?
  • Dorm Room Decorating Ideas by Rachel Paxton - Give your dorm room a new look that both your roommate and you will love
  • Make Your Own Laundry Soap by Lisa Vitello - Laundry soap that is very easy, economical and safe to make
  • Looking at a Mortgage Recast - It can be used to bring down your payments by prepaying
  • Financing Renovations with Credit Cards - A construction loan would have been a better choice
  • 20 Things That Affect a Home's Value - Some improvements significantly increase the price of the home; others are worth little. Be smart in this buyer's market
    Your Career or Small Business
  • Don't Let Your Resume Get Stale - In today's fast-moving job market, it's good to be ready to apply for a job
  • Top Five Jobs by Education Level - See the fastest-growing jobs for those with professional, doctoral, master's, bachelor's and associate degrees
    Your Food
  • Canning Basics by Pat Veretto - It's one of the easiest ways to preserve food once you know some basic rules
    Your Auto
  • 2007 New Car Guide - The automotive times, they are a-changing. Follow the trends from smaller cars and hybrids to the burgeoning desire among Americans to "go green"
  • Find the Right Car for You - Can't decide on a new car? Follow this interactive guide and identify your best choices
  • The Internet Is Revolutionizing Car Buying - A savvy buyer can do most car shopping on the Internet, searching for pricing information, finding dealers in your area and accessing user reviews
    Your Taxes
  • Uncle Sam Gives To, Takes from Retirees - Clear up the confusion about how and how much the IRS collects on Social Security income
  • Taxes and Mortgage Debt - Home acquisition debt is debt you take out to buy your home or substantially improve it, and interest on up to $1 million is deductible
  • Owing IRS for Canceled Debt - Since you didn't pay the bank the difference between the value of your stolen car and the loan balance, you have a canceled debt, which the IRS considers income to you
  • Gifting Home to Get Capital Gains Treatment - If you gift the rental home to your son and he lives in it while in law school, the property could qualify for gain exclusion for him
    Everything Else
  • The Anti-Diet Lifestyle by Midori Barizo - The free diet plan the diet industry doesn't want you to know about
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Consolidating Debt Scam - Twenty minutes later we signed papers for a $5,000 loan at 17.99%. What were we thinking???!!!
  • Getting Started in Investing - How should Judy and her husband invest for their handicapped daughter's future?
  • The "Wonder Vacuum" Nightmare - Two years of payments later, the "wonder vacuum" was showing clear signs of malfunction, and trying to get servicing per our contract has been a nightmare
  • Stuff Envelopes for Cash? - Hear what Dave tells a stay-at-home-mom about stuffing envelopes for extra money
  • Make a List, Check It Twice - Kay greatly paid for not taking the time to make grocery and household lists. Don't make the same mistake!
  • I've Been Transformed - From the emotional shopper into someone who looks for every way to decrease the family expenses

    August 6, 2007
    Your Money
  • Peeling Back the Layers of Your Financial Onion by Kimberly Danger - Do you know the number one reason people go into debt?
  • Out-of-Control Spenders Need to Ask for Help - Readers share their stories about how they sought help for spending habits that were ruining their lives
  • 6 Ways to Sabotage Savings - Hate the idea of having a big savings account? Follow these six tips to ensure that you never have money in a savings account or emergency fund
  • Fame & Fortune - The top plus-size model Emme has excelled in fashion, TV and as an author. But her real mission is to raise every woman's self-esteem
  • Fighting Back Against Collections - You probably will need to hire an attorney
  • Why Do You Need an Emergency Fund? - Unless you like living in crisis mode, it's essential. Learn basic strategies for building your cash reserves that cushion the blow of unexpected expenses
  • Tips for Building a Great Credit Score - The credit report is your financial history, and the credit score is based on how you use credit. Here's how to get off to a good start
  • Saving for a Special Needs Child - Novelist Ian Rankin created a deep fund that would provide for his special-needs child
  • 529 Plans: Everyone Can Invest, Everyone Wins - Parents, grandparents, aunts, uncles -- anyone can contribute to a child's 529 plan
  • Saying No to Increased Credit Lines - If you're paying your balance on time, don't worry about credit score
  • What Lottery Winners Should Do - It's usually best to take the lump sum payout
  • Getting on Track for Retirement - Look at your own needs, not what others are saving
  • Mom Needs Professional Help for Inheritance - The money shouldn't affect her Social Security
  • Improving and Maintaining Your Credit Score - Paying the balance each month will keep your score in good shape
  • Celebrities Talk About Emergency Savings - Some of the nation's most notable authors and celebrities show their real-people side by sharing their savings experiences
  • Get Your Partner Onboard the Savings Train - You need to find out what your common goals may be and how to reach them
  • Evaluating Various Student Loan Payoff Options - Examining the pros and cons of deducting student loan interest or paying the debt off with money from a home equity loan
  • Couple Disagrees on Consolidating Debt - Watch out for the universal default clause
    Your Family
  • Back to School for Less by Debbie Swanson - 10 ways to trim your expenses this fall
  • Kids and Money by Sam X Renick - An interview with Jane Bryant Quinn, Newsweek columnist
  • Cutting the Cost of Your Wedding - You can have a great day without moving into the poor house
    Your Home
  • Freezer Efficiency - Getting the most from your freezer
  • Using Color on Your Walls by Kathy Wilson - Turn your rooms from drab to fab
  • Still Renting Your Phone? Why? - Some people, mostly seniors, don't realize they can save by buying their phones
  • Popular 2/28 Mortgages Are No More - Lenders have abruptly stopped offering the most popular type of subprime mortgage. Borrowers suddenly find themselves with fewer options
  • Assisted Living Facilities Offer Short-Term Previews - If you're not ready to commit to moving into a senior care facility, consider trying one out for a few weeks instead
    Your Career or Small Business
  • Keep It Simple: One Resume Fits All - You don't need separate resumes for different jobs, but the one you use must be finely crafted
    Your Food
  • Freezer Efficiency - Getting the most from your freezer
  • Food Savings for Beginners by Amy Burns - Get started on the road to a smaller food budget
  • Cut Coupons to Cut Costs - Five or ten minutes can mean a $20 difference in your grocery bill
    Your Auto
  • Shoddy Body Shop Work Ask Bob: The Auto Answer Man - Will pinholes cause problems on down the road?
    Your Taxes
  • Capital Gains on Developed Property - Property held for investment clearly qualifies as a capital asset, but the construction and sale of several town houses may be a borderline situation
  • Tax Breaks for LLC-Owned Second Home - Under general tax rules for a single-member limited liability company, a home owned by the entity could qualify for the home-sale tax exclusion
  • Is Tapping an IRA Worth the Penalty? - A taxpayer who's receiving Social Security disability payments might be able to avoid an IRA early-distribution penalty
  • Evaluating Various Student Loan Payoff Options - Examining the pros and cons of deducting student loan interest or paying the debt off with money from a home equity loan
    Everything Else
  • The Art of Fine Whining by Diana Gault - Transform an ineffectual whine into a concise communication
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • We Fell for the Variable "Investment Option" Hook - I just totaled our stupid tax and feel sick beyond belief - $25,389.60 over 5 years
  • The $25k Temper Tantrum - Couldn't get out of my driveway for two days, which helped fuel a temper tantrum of biblical proportions
  • Good Planning Pays Off - Christina and her husband were able to take months off from work and focus on their newborn baby in the hospital
  • Minimum Wage - A raise in the minimum wage doesn't solve your money problems. That is up to you
  • Creditors, Stop Calling My Office - How can Judy stop those pesky collection calls?
  • The Parking Ticket That Followed Me - Did you know that parking tickets don't magically go away? They don't

    July 30, 2007
    Your Money
  • When Boring Is Exciting by P.J. DiNuzzo - Safely grow your investments and solidify your retirement
  • Where Did All the Money Go? - Experts say tracking your spending is the best way to learn your habits. These everyday people offer their tracking methods -- and success stories
  • A Grad's Guide to Fiscal Fitness - Now that you're on your own, you'll want to build a sound financial future -- from the first job to saving for retirement
  • Fame & Fortune - Successful on "American Idol" and with "Hairspray," Diana DeGarmo's keeping her financial feet on the ground
  • 7 Small Steps to Big Savings - The big picture may seem overwhelming, but you can move from living paycheck-to-paycheck to a wealth mindset by following these steps
  • CARE about Financial Literacy - A federal bankruptcy judge teaches young people about financial responsibility
  • Daughter's Delinquency Will Hurt You - Since you reaffirmed the loan, you're legally responsible
  • Creating an Emergency Fund - Tips on how to free up money for savings
  • Dealing with Theft of Information - Here's what to do if there's a security breach in a database that includes your personal information
  • Buy a House for College Kids? - It makes good financial sense, but there are many details to consider -- like who will do the bookkeeping?
  • Girlfriend's Gone, Mom's on the Hook - The best you can hope for now is that the girlfriend keeps paying
  • Credit Scores Made Simple - Check out exactly which actions affect your credit score and to what extent
  • 4 Smart Ways to Tame Debt - Take a bite out of your debt with these practical steps
  • Bride-To-Be Needs Help - Angel recently moved and took a new job but she's most concerned about improving her credit score before she marries
  • Investing in Foreclosures: For Novices It's a Crapshoot - Getting rich from buying foreclosures is the fantasy of many Americans, but it's much like most other things that seem too good to be true
  • Warren Buffett: Try Index Funds - The Oracle of Omaha dispensed this and other advice at his annual shareholders meeting
  • How Interest Compounding Affects Yield - The more often it compounds, the more you make, but probably not much
    Your Family
  • Teaching Children about Money - Are there any courses to help explain how money works?
  • Raised in the Shadow of Frugality by Arlene Geller - Oh, my Mamma!
    Your Home
  • Happy Homemaking the Homemade Way by Amy Allen Clark - It's easier than you think to get started with homemade cleansers
  • Your House: Is Bigger Really Better? by Kimberly Danger - Do you really want to be a slave to your home?
  • Garden Party by Marlene Alexander - Life has moved outside
  • Neighbor's 'Fence' Over Home's Property Line - Fences may often make good neighbors but this misplaced driveway brings up some sticky legal issues
  • How to Find Your First Apartment - This checklist will show you the ins and outs of renting an apartment
  • How to Avoid Closing-Day Glitches - From walk-through surprises to buyer's remorse, closing day can be a nightmare. Here's how to make it go smoothly
  • Forget Biweekly, Just Pay Extra Principal - You don't need to pay extra for a special program
  • Do Home Affordability Calculators Work? - You have to worry about front and back ratio
  • Checking Out Interest-Only Mortgage - You can be taking on a lot of interest rate risk
    Your Career or Small Business
  • Should I Write a Cover Letter? - In a cover letter, you can brag in more detail than on your resume
  • Where the Jobs Will Be - Here are the fastest-growing jobs. Is your career one of them?
    Your Food
  • Bringing Home the Bacon by Amy Hammond Hagberg - Choosing the wrong cut of meat can ruin even the most gourmet meal
  • 10 Ways to Eat Organic on the Cheap by Michelle Kennedy - Could she make their diet 90% organic in 3 months without bloating her grocery bill?
    Your Auto
  • Car Bargain Hunting? Look for 2006 Leftovers - If you think there are huge discounts on the outgoing 2007 models, think of how much you can save on one of the 10,000 2006 cars still littering dealer lots
    Your Taxes
  • Income and Type of Gifts Determine Deductions - Giving to charity offers many tax breaks, as long as you follow the rules regarding deduction limits and asset holding periods
  • Wife's Debt is Costing Husband - How a husband can get out from under the tax collection problems caused by his wife's student loan
  • Deducting Driving Costs - When it comes to business mileage and partnerships, here are the pros and cons of two reimbursement options
    Everything Else
  • A Great Budget Wardrobe by Tricia Goss - A guide to using thrift stores
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Rolled Over by Negative Equity - Over the past few years, Joni has traded a paid-for car for higher and higher car payments
  • Is She Leaving? - Michael's wife wants to individualize their accounts. Does that mean something bad?
  • 5 Steps Backwards - It will take Sandra 5 more years to get back to where she was 4 years ago because she didn't change her money habits
  • What a Day! - It was just one of those days when nothing goes right. Read Laura's recount of the day and what she learned from the experience
  • Halfway There - Five months after starting the Baby Steps, Ginger's family will be done with their debt snowball fairly soon!

    July 23, 2007
    Your Money
  • Understanding APR by Gary Foreman - The difference between your APR and your interest rate
  • My Story: Nickel and Dime-ing 101 contributed by Joyce Ackley - Small steps toward big financial victories
  • Want to Save Money? Stop Shopping - Once these budget busters discovered how much unnecessary stuff they were buying, they stopped shopping and got their finances in line
  • Fame & Fortune - "Pulp Fiction" saved John Travolta's career, but the work ethic from his Italian-American heritage helped him build an impressive pile of toys
  • Saving for Retirement Early Can Pay Big Dividends - Think you can't find any money to save? We'll show you how to find nearly $500 for retirement savings
  • Decide Where to Distribute 529 Funds - It can make a difference if you end up having to pay taxes
  • What Do You Know About Credit Scores? - Take our poll to check your understanding of credit and see how you compare with the nation
  • Glossary of Credit Scores & Report Terms - Here are simple explanations of the most-commonly-used terms found in credit reports and scores
  • Retired, but Still in Debt - You might have to go back to work or declare bankruptcy
  • How to Avoid Credit Card Pitfalls - A low salary combined with new expenses means some credit card debt is inevitable when you're young. Here's how to manage the damage
  • Bond Yields Can Entice During Market Volatility - Yields on the five-year and 10-year Treasury bonds have spiked to their highest levels since mid-2006. Before you jump into the bond market, you'll need to know what to look for
  • Spending an Inheritance Wisely - Pay off debts and start an emergency fund
  • Investing in a Time Share - You shouldn't think of it as an investment
  • Refinancing Parents' Home in Your Name - You might want to see if there's a better way to do this
  • Paying Off Debt with Lottery Winnings - First you need to get out of your debt negotiation plan
    Your Home
  • Old and Outdated? Get a New Face by Elaine Snyder - Do-it-yourself home remodeling on the cheap
  • Stop Draining Dollars by Barbara Sloan - A few simple steps that will lower your water and sewer bills
  • How to Avoid Closing-Day Glitches - From walk-through surprises to buyer's remorse, closing day can be a nightmare. Here's how to make it go smoothly
  • 2007 Survey of House Closing Costs by State - New York still tops the list as the state with the highest closing costs. See where yours ranks
    Your Food
  • Mix Your Own Beverages by Miss Maggie - It takes commitment, but it pays off big
    Your Auto
  • Is My Timing Belt Too Old? - Ask Bob: The Auto Answer Man
  • Will Your Rates Rise After a Claim? - After a car accident is not the time to find out how a claim will affect your rates. Here are six things to ask before you get a policy
    Your Taxes
  • Window Tinting Can Mean a Tax Credit - Let the government help pay while you cool down your house and save energy
  • Energy-Efficient Tax Credit Still Available - The energy credit continues through the end of 2007, for both new construction and energy-saving improvements to existing homes
  • Claiming Losses on Bad Roth IRA Investments - You may be able to get some tax relief for Roth IRA investments that went bad, but it probably won't be much
    Everything Else
  • You've Got Mail by Annette and Steve Economides - Finding the 'good stuff' among the junk
  • Burial Insurance - Is it a good deal? And, can any family member purchase it?
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Emergency Fund Saves the Day - Having the initial $1000 emergency fund is a genius idea. I wish I would have come across the idea years ago!
  • Interest-Only Loans - How bad of an idea is an interest-only loan?
  • Slammed with Taxes - I thought I was being crafty by taking some money out of my retirement account to pay off some bills
  • Timeshare Suckers - We fell for the timeshare presentation and of course lost money on the whole deal in the long run. Read more of Chris's story...
  • Anyone Can Do It! - We were facing bankruptcy and had NO hope for our future

    July 16, 2007
    Your Money
  • Developing a Frugal Attitude by Sarah Winfrey - Spend according to your own needs, desires and priorities
  • Ditch the Cards to Keep within a Budget - Think you can't live without credit and debit cards? Readers show how you can give up the cards -- and save money
  • Refinancing Probably Won't Save Your Home - Sometimes you just have to make the tough choice
  • Fame & Fortune - "Practical Magic" author Alice Hoffman has written about witches and everyday magic to create a spellbinding career
  • The Dark Side of Credit Reports and Scores - The author of "Credit Scores and Credit Reports," Evan Hendricks, says the credit card industry's use of credit reporting and scores is often designed to make you pay more
  • Bride-To-Be Needs Help - Angel recently moved and took a new job but she's most concerned about improving her credit score before she marries
  • Late Payments Crush Credit Scores - Our financial adviser offers guidance to this bride-to-be for boosting her credit score
  • Move Home or Change Your Ways - You might have to swallow your pride to get by
  • Long and Short of Treasury Yields - Long-term treasuries don't really affect your mutual fund
  • Don't Co-Sign for Son's Mortgage - That's a very risky mortgage you son wants to get
  • One-Year Refinancing Doesn't Make Sense - You won't get back enough to make up for the closing costs
  • Credit Cards Can Make You Fat - People who use credit cards to buy fast food spend more and consume more calories than those who pay with cash
  • Cleaning Up After an Identity Theft - Start by getting a police report
    Your Family
  • Wrap Gifts Without Paper by Melanie Farkas - A guide for the gift wrapping challenged
  • Children's Clothing by Daphne Dykeman - Looking cute for less
  • Determining Your Pet's Worth - The law says a pet's value is determined by its commercial and emotional contribution to the owner. But how do you measure that?
    Your Home
  • Removing Mildew - How can she save her quilt?
  • Get the Pottery Barn Look for Less by Kimberly Danger - Go ahead and indulge your decorating fetish
  • Good To Grow by Marlene Alexander - Time to get down and dig it!
  • Mortgage Basics: Should You Buy or Rent? - Nearly everyone dreams of owning their own home. But can you afford the house and all of the expenses associated with it?
  • How to Find Your First Apartment - This checklist will show you the ins and outs of renting an apartment
    Your Career or Small Business
  • Start an Office Recycling Program - You'll save the earth, and maybe earn some money
  • 7 Common Questions About the Job Search - From how to write a resume to how to answer the salary history question, we have all the answers
    Your Food
  • Meal Planning Made Simple by Monica Resinger - Step-by-step instructions for making pre-planned, three-day menus
  • Nature's Harvest by Rachel Muller - Have nutritious, delicious berries all year long
    Your Auto
  • Getting the First Car Loan - Don't be scared by applying for your first car loan. Be prepared -- using these tips
    Your Taxes
  • Taxes on a Spouse's Premarital Earnings - The IRS' claim on a foreign spouse's stock earnings is based in part on when the bride came to the United States
    Everything Else
  • The Elopement Movement by Leah Morgan - Exploring the idea of a simple sunset ceremony for two
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Determined to Be Debt Free - This single mom is having fun finding ways to cut back her lifestyle so she and her son can be debt free soon
  • Surprise Your Honey - How can Steve save money to surprise his wife and not tip her off?
  • $1900 Coffee! - For the approximately $1,900 we paid out, the only thing we got was free coffee when we visited the showroom. That's the most expensive coffee we've ever had
  • Finding a Good Car Deal - Oscar wants to buy a car through an auto auction

    July 9, 2007
    Your Money
  • Macroeconomics at Home by Gary Foreman - Let macroeconomics help you reach your financial goals
  • Kids and Money by Sam X Renick - Interview with Janet Bodnar, Deputy Editor of "Kiplinger's Personal Finance"
  • Correcting Credit Reports - The accuracy of a credit report depends on you. Check them and correct if necessary. Here's how to fix mistakes
  • Cash Is King for the Budget-Minded - Real people who have gone cash-only share the secrets of their success
  • Match Credit Card and Lifestyle - Finding the best one to fit your needs will help you manage yours
  • Yes, There Is Car Buying After Bankruptcy - You can recover if you're willing to follow some financial rules
  • Credit Scoring No-No's - Some financial missteps do more than ding your credit. Some can ruin it for a long time
  • How Can I Earn Back Checking Privileges? - Past credit problems are making it impossible for this reader to get a checking account. Here are three ways to earn back the privilege
  • Debunking Credit Score Myths - FICO score insider Craig Watts shares secrets and myths about those three numerals that affect the rates you pay
  • Check Your Banking Consumer Report - It's not likely that you got turned down for a money market account because of bad credit
  • Keep Bonds or Fund Roth IRA? - It depends on what you want to invest in for the Roth
  • Worried About Her 401(k) - You're better off to stick with the plan, especially if you get a match
  • Pros and Cons of Reverse Mortgages - They charge steep upfront costs and may interfere with Medicaid eligibility, but seniors are relying on them more than ever
  • Investing in Gumball Machines - This is probably not a very good investment
    Your Family
  • Kids and Money by Sam X Renick - Interview with Janet Bodnar, Deputy Editor of "Kiplinger's Personal Finance"
    Your Home
  • Robot Vacuums - Labor savers? Or not ready for prime time?
  • Macroeconomics at Home by Gary Foreman - Let macroeconomics help you reach your financial goals
  • Organizing Tips I Learned in the Library by O Quinn - Frugal ideas straight from the librarian's desk
  • Sizzling Tips for a Cool Summer Kitchen by Amy Burns - Keep your cool in the kitchen this summer
  • Using Inheritance to Pay Off Mortgage - At your age, getting the mortgage paid off is a good idea
  • 6 Ways to Avoid Home Insurance Snafus - Follow these tips to prevent insurers from charging high policy premiums or canceling your homeowners coverage altogether
    Your Career or Small Business
  • Dual-Career Couples Face Vexing Challenges - When both partners seek a challenging career path, it can be difficult to find work in the same geographic area
    Your Food
  • Cutting the Cost of Beverages by Miss Maggie - One of the easiest places to reduce your grocery bill
  • Sizzling Tips for a Cool Summer Kitchen by Amy Burns - Keep your cool in the kitchen this summer
  • My Story: Why I Buy Convenience Foods contributed by Jora - Even convenience foods have a place in the frugal freezer
    Your Auto
  • Door Gas Shocks - Ask Bob: The Auto Answer Man
    Your Taxes
  • Fixing Excess IRA Contribution - Fortunately, you have until Oct. 15, 2007 to correct the excess contribution
  • Tapping an IRA to Pay Closing Costs - Since the rental property you own has not been your main home, you can withdraw IRA funds penalty-free to help buy the second property that will be your main home
  • Mom-In-Law's Tax Refunds Pay Ex's Debt - Chances are your mother-in-law is going to need a good accountant to help straighten out this mess
  • Taxable Forfeited Deposit - Since there was no sale or exchange with the repentant buyer, the forfeiture of his deposit is considered ordinary income
  • Can I Claim a Tax Deduction on College Loan? - Sure! The interest is tax deductible up to a point
    Everything Else
  • 2007 College Financing & Career Guide - From paying for college through moving out on your own, Bankrate's college and career guide gets you on the road of life
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • My $2000 Rental Car - I finally called the salesperson and got them to agree to purchase back the vehicle, but they charged me for my mileage
  • Life Insurance Stupid Tax - Life insurance agents get a much bigger commission selling whole life policies than they do term policies
  • After College Housing - Dave tells Megan about when to buy a house after college
  • Small Business Health Insurance - Does Pete need to worry about setting up health insurance for his business?
  • Goodbye Capital One and Amex Cards - Margaret shares her story about dealing with the credit card sharks about canceling her cards. And she paid off $53,000 in 6 months!
  • I Lost Money On a New Truck - Now the truck is 2 years from being paid off and I only owe $10,300 - close to the sticker price of it when it was new
  • Getting Richer - The truly rich don't get richer because of politics or back-stabbing. Most just know how to handle money
  • Running In Circles? - What do you do when it seems like there are too many people to pay?

    July 2, 2007
    Your Money
  • Inheriting the House - Can't afford upkeep
  • Failed Business Can Lead to Financial Ruin - When a couple's restaurant business fails, the debt and impending judgement can affect the couples entire financial picture
  • Fame & Fortune - Multi-faceted entertainer Art Linkletter says he'd never put a quarter in a slot machine but admits he invests in companies that drill for oil and natural gas
  • Immediate Annuities: Do-It-Yourself Pensions - You're not getting a traditional pension? You can always purchase a reasonable facsimile, but there are trade-offs
  • Credit Score: Ignorance Is Expensive - What you don't know about your credit may already be costing you money in lost opportunities and higher charges on everything from insurance to loans
  • 7 Steps to Take at Age 59 1/2 - Those at the vanguard of the baby boom generation can access retirement accounts penalty free. But as you approach your golden years, it's a good time to assess your options
  • Older Investors Need to Earn More on Investments - Three financial planners offer investing advice for the retirement years
  • 12 Ways to Get Free Credit Scores and Reports - Get tips for maximizing free resources available for checking your credit reports and credit score
  • When to Begin Drawing Social Security Benefits - The decision about whether to start at age 62 or wait depends on numerous factors, including your health, your financial situation and whether you want to keep working
  • When Income Tumbles, Reduce Spending - With three kids and a fourth on the way, it's not easy, but when income falls, you must budget, cut spending and find a way to get more money
  • Credit Scores & Your Mortgage Rate - A good credit score saves you money. Check out the savings on a mortgage, a home equity loan and a new car
  • Don't Lie When Filing for Bankruptcy - A consumer who filed for bankruptcy but didn't reveal the existence of one credit card
  • How a Financial Planner is Compensated - There are several different ways that planners get paid
  • No Credit? No Credit Score - Your score is based on your history, so you have to have one
  • Comparing Bank Yields and Safety Ratings - If the accounts are FDIC insured, it's a matter of convenience
  • Is Interest Correct on Series HH Bonds? - After 10 years the interest rate changes
  • Refinancing to Make Ends Meet - If you're selling the house in one year, it doesn't make much sense
  • Redeem or Reinvest Savings Bonds? - What they pay depends on when they were issued
  • Credit Scores Made Simple - Check out exactly which actions affect your credit score and to what extent
  • Variable Annuities Get an Image Makeover - As boomers make the transition to retirement, financial institutions are giving their variable annuity products a makeover in hopes of attracting a greater market share
  • New Retirement Savings Rates - American workers have been charting their retirements without the benefit of a compass. A new study provides savings rates that can be utilized by the masses
  • When to Claim - Social Security Experts are divided about the optimal time to begin drawing Social Security. The latest study says most married women should start early while men should delay until age 69
  • The Hard and Fast Life of U.S. Currency - My name's Bill. Dollar Bill. I have only 21 months to live, so let me tell you my story, from my ink-stained birth to my violent end
  • ABCs of Credit Reports - Do you know the difference between a credit report and a credit score? We explain
  • Fame & Fortune - Chuck Barris had five hit TV shows, making him a pioneer of reality TV. Yet, after a career filled with both bedlam and boredom, he's never watched "American Idol"
    Your Family
  • Computer Gaming on a Budget by John Stapleford - There are bargains to be found
  • Entertain Chic, on the Cheap! by Kathy Wilson - Cheap and easy ways to entertain indoors or out
    Your Home
  • Inheriting the House - Can't afford upkeep
  • Selecting the Right Plumbing Fixtures for Your Home - When remodeling, the end result in the bath and kitchen will hinge in part on what kinds and quality of plumbing fixtures you buy. Here's a guide to the latest choices
  • Twenty-Two Top Painting Blunders - Here are 22 rules and tips to live by when painting the interior of your home
  • 12 Tips to Bring the Outdoors In - Enjoy the summer if you're outdoors kicking back or indoors looking out
  • It's Real Estate Season. Or is it? - There's a distinct home buying season. Whether you're a buyer or a seller, knowing what the season is can help you plot your strategy
    Your Food
  • The Pork Barbecue Secret by Dave Kessler - What restaurants don't want you to know
    Your Taxes
  • On the Honor System with IRA Rollover - Our tax system is based on the principle of the taxpayer's honesty. However, sometimes the IRS checks with others on what you earned or spent
  • Foreign Bank Account Statements - An extension of time to file your 2006 income tax return does not extend the time for filing the foreign bank account statements
  • Can New U.S. Citizen Collect Social Security? - The U.S. has bilateral Social Security agreements with 21 countries that improve benefit protection for workers who have divided their careers between the U.S. and another country
  • Losing Cash to Business Taxes - When a business builds up its capital through earnings, part of the earnings disappear to taxes if not reinvested in the business before the end of the tax year
  • Trading in a Hybrid Car for a New One - I can't find any tax provision that says you'll have to pay back the tax credit you claimed in 2006
    Everything Else
  • Make the World a Healthier Place by Beth Hering - 7 cost-free ideas that will make you a health-hero to someone in need
  • Know Your Rights: Consumer Protection Laws - When problems arise, it helps to know if the law is on your side -- and what, if anything, you can do about your situation. This roundup of federal consumer protection laws is the place to start
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Do College Kids Need Credit Cards? - Kyle says he needs a credit card to have Internet access. Does Dave agree?
  • When Right Is Wrong - Finance companies can be sneaky
  • Use 401k to Pay Off Debt? - Is it a good idea to cash out a 401k to pay off credit card debt?
  • I Rented a Dog for a Day - If you're going to buy a pet, be certain it's what you want. Felicia's pet rental cost her a lot!
  • No Longer Worrying from Week to Week - We learned so much about budgeting and are living by these principles, and our marriage is better than ever
  • Shop Around - Barry took the time to call around and save 60% for truck repairs. Every penny counts when you're getting out of debt!
  • Getting Ready for Healthcare Costs - As you get older and healthcare becomes more of an issue, it's your responsibility to be ready for it.
  • Intense for 3 Months - We have paid off $16,000 of our $39,000 debt in 3 months! All this as a stay-at-home mom with a teacher/coach husband!

    June 25, 2007
    Your Money
  • Jump Start Your Credit History courtesy of MyMint.com - 5 easy ways to build a great credit history while you're young
  • The ABCs of HSAs by Karen Auby - Understanding health savings accounts
  • 1 Late Payment Triggers 21% Rate Increase - On a $5,000 credit card debt, a 29.9 percent penalty rate can add $1,500 in interest payments
  • Finding Affordable Help for a Bankruptcy - Paying a lawyer is tough when you're already broke and in debt
  • Credit Scoring Demystified - A subject that baffles many but is increasingly central to financial health: credit scores and credit reports
  • Poll: 1 in 3 Don't Bother to Check Credit - A new nationwide poll shows that 32 percent of Americans don't check their credit reports and 45 percent never have checked their credit score
  • What's Bad about Municipal Bonds? - Well, for one thing the yields are usually quite low
  • Retirement Saving vs. Student-Loan Payment - It's a good idea to start saving for retirement when you're young
  • Where to Invest Emergency Fund - A money market account or money market mutual fund is fine
  • No Chance to Qualify for This Mortgage - The payments would take 70 percent of your gross income
    Your Family
  • The Maternity Wardrobe by Wendi Brandow - How to get by with less and still look great
    Your Home
  • Inexpensive Sheets - Finding a bargain on bedsheets
  • How to Cancel PMI by Gary Foreman - Getting the run around when it's time to cancel PMI
  • Fill Your Tool Kit for Less than $200 - Bankrate talks to professional handy folks about essential tools that belong in every homeowner's toolbox
  • Live-Work Condos Mean Short Commute - Residential-commercial hybrids target artists, professionals and entrepreneurs, but not all communities embrace them
  • Many Remodeling Jobs Require a Permit - But don't fret. In most cases, the building inspector is on your side
  • No Chance to Qualify for This Mortgage - The payments would take 70 percent of your gross income
    Your Career or Small Business
  • Try a Sabbatical to Enrich Your Life - Taking a leave from work can be rejuvenating, but it takes plenty of planning
    Your Food
  • Picking Produce by the Dinner Diva, Leanne Ely - A bargain isn't a bargain if it rots in your fridge!
    Your Auto
  • Diagnosing a Dead Battery Ask Bob: The Auto Answer Man - Even the new battery won't hold a charge
    Your Taxes
  • Wealthy Boyfriend to Pay Off House - Unless the boyfriend is trying to deduct the home payoff to you as a business expense, I can't see why the perfect gift should make him worry about a tax audit
  • Managing Mom's Sudden Windfall - The sale of your mom's hurricane-ravaged property shouldn't be subject to capital gains taxes
  • Identify Property for a Like-Kind Exchange - Under the law you have 45 days after closing on your property to identify a replacement property
    Everything Else
  • My Story: Garage Sale Hunts contributed by Amy - Using the Internet to make the most of the hunt
  • Pursuing Lifetime Dreams in Retirement - Who says you have to slow down after you quit your job? It's time to pursue the stuff you've put off for 30-odd years
  • The Single Retiree - The difference between being part of a couple and being on your own is not only a matter of accumulating enough funds, but also of assembling adequate financial safeguards
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Newly Married Spouse Hides His Bankruptcy - What happens when a husband doesn't tell his wife about filing bankruptcy?
  • Extra Jobs - A little sacrifice now can mean a lot of savings later
  • A Drastic Change - We loved our house, but we knew that we would love financial freedom even more
  • Maximize Retirement Money - What should Theresa's father-in-law do with his pension?

    June 18, 2007
    Special Retirement Section
  • 6 Tips to Evaluating a Retirement Community - Local government agencies and real estate firms are looking for ways to attract the 65-and-older crowd. Look beyond the hype
  • Retirement Communities Map - If you're planning a move, check to see if the cost of living is higher at your desired destination
  • Figuring Your Spend-Down Rate - How fast will you spend your money when you retire?
  • 10 Things to Do Before You Retire - Just as you would plan for a trip, it's even more important that you plan for retirement, the longest vacation of your life, with eyes wide open
    Your Money
  • The Debt Next to You by Jeffrey Strain - Debt can be your problem even if you're debt free
  • Getting Support When Spending Less by Kimberly Danger - It's much easier to reach your goal with people behind you
  • Can You Make Money on the Balance Transfer Game? - If you invest the borrowed money, you could make a profit -- and it may not hurt the credit score
  • Annuitizing Your Savings - Make sure your retirement assets keep you in the money for the rest of your life
  • Fame & Fortune - Kevin Costner has had ups and downs in his filmmaking career but he's true to his vision and willing to put his money where his art is
  • Ongoing Illness, Big Bills and Bankruptcy - Lengthy illness can push people into bankruptcy, but they still need treatment from the same people who are dunning them
  • Here Come the Fees - Check out this roundup of fees charged by banks, credit card companies and lenders to see what's average and how to avoid paying them
  • Fee-Fighting Tools - Use these work sheets and calculators to find the best deals
  • Fees Hit Historic Highs - But, banks and credit issuers claim they're no richer because of them
  • A Short History of Fees - Remember when fees were only for big mistakes?
  • Prepaying HELOC from Emergency Fund - An already established HELOC will provide emergency funds
  • Getting a Late Start on Investing - Remember that you have less time to recover from a bad investment
  • When to Have More Than One 529 Plan - One reason to split the funds is if the children are more than a few years apart
  • An Unexpected $30,000 Cruise - An elderly woman on a cruise falls into a coma, then dies, and the cruise ship charges her medical care on her credit card, which in turn charges her huge late fees. Who pays?
  • Your Home Is an Excellent Investment - Borrowing on your home's equity is good, in moderation, says professor Richard DeMong
  • New Company Has No 401(k). What Now? - Roll the former employer's account over into an IRA, says Dr. Don.
  • Financing Construction of a Home - You have several options, particularly with a lot of equity in the land
    Your Family
  • Kids and Money by Sam X Renick - Interview with Liz Pulliam Weston, Personal Finance Columnist for MSN Money
  • My Story: Children's Art Birthday Party contributed by Lorraine - Get creative at your next party!
    Your Home
  • We Need Storage - Storage solutions for a small home
  • Make Sure your HVAC Systems Keeps Its Cool - Your overall home improvement plan should include a review of your heating and cooling requirements, especially if you're adding square footage
  • Financing Construction of a Home - You have several options, particularly with a lot of equity in the land
  • Your Home Is an Excellent Investment - Borrowing on your home's equity is good, in moderation, says professor Richard DeMong
  • 3 Top Reasons to Remodel Now - There are three lucrative reasons to hire a contractor right now rather than putting off that remodeling job until next year
  • When Your Lender Goes Bankrupt - You've been preapproved for a mortgage and the lender goes bust. What now?
  • Canceled Preapproval Affects Home Contract - You could lose your deposit money, and it could get worse
  • New Mortgage Application Can Hurt Credit - If you're on the cusp of subprime, it could create a problem for you
  • Court Rules for Auto, Property Insurers - Ruling reduces times when insurers must warn that credit score affected your rates
    Your Food
  • Home Cooking - Mmmm Good! by Jill Cooper - Easy ways to make fixing meals at home a breeze!
    Your Auto
  • Lowering Auto Insurance Rates by Eric Orzel - Save money no matter what your credit score
  • Prepaying Auto Loan from Savings - Just make sure to avoid prepayment penalty and Rule of 78s
  • Court Rules for Auto, Property Insurers - Ruling reduces times when insurers must warn that credit score affected your rates
    Your Taxes
  • Where to Report a Child's Income - You should not have reported the mutual fund sale on your tax return, says CPA George Saenz.
  • Capital Gains Exclusion on New Home - Does it make a difference if you haven't lived in the home?
  • Paying Estimated Quarterly Taxes - If you're self-employed, have substantial investment income or run a business, paying taxes is a quarterly event, and the day is fast approaching. Here are the rules
  • Selling Depreciated Equipment - When you wind up a business, the taxation rules differ, depending on whether the business was operated as a sole proprietorship or as a corporation
  • Converting to a Roth IRA - Is deferring taxation is the best strategy?
    Everything Else
  • I'm from the Government and I'm Here to Help by Barbara J. Sloan - There are many government programs waiting to help
  • Vanity, Thy Name Is Boomer - It's no accident that cosmetics is a multibillion-dollar industry. It appeals to our vanity -- and much more
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Smallest Debts First - Why should Richard pay off the small debt first instead of the high interest rate debt?
  • We Hired Before Researching - Instead of researching a moving company and going only by price, John learned a very valuable lesson he won't make again
  • We're Serious - We didn't really see the progress until we became serious about getting out of debt - sticking to a budget
  • Nothing Without Credit? - Jay's wife says they can't have anything without credit
  • Credit Piggyback - There's a new way to improve your credit score, but it's just as bad as any get-rich-quick scam out there
  • Never Lease Again! - Instead of just paying off the truck, Michelle's family leased a smaller car and ended up paying much more
  • Kicking Myself Now - "I'd like to jump in a time machine and go kick my 18-year-old self in the pants"
  • I Discovered I Like Money - After doing a budget and working toward becoming debt-free, Megan soon discovered she likes working with money and crunching numbers
  • Buy Used! - Why does Dave say to buy used cars? Quite simple, really
  • Invest Extra Income? - April's husband is scared to invest their extra income. Should he be?

    June 11, 2007
    Your Money
  • Extra Cash - What's the best way to use extra cash?
  • Budgeting Debt Repayment by Gary Foreman - Steps to reducing credit card debt
  • Fame & Fortune - Kicked out of high school, Jersey boy Steven Van Zandt managed to score a double-whammy success, first as a legendary guitar player and more recently as mob consigliere on "The Sopranos"
  • Disabled, Broke, Bankrupt Before. Help! - It's sad, but one can be too broke to file bankruptcy. On the other hand, extreme poverty makes you look "judgment proof" to creditors
  • When Credit Card Debt Is Too High - If you're still paying for a meal you can't remember eating, you're in trouble
  • Debt Gaining on Many U.S. Seniors - An increasing number of the nation's eldest are putting their homes, retirement savings and livelihoods at risk to pay the bills
  • Investors Looking for High Yields Need to Do Homework - A Web site that advertised high-yield investments provides a cautionary tale for investors. Here's what happened and how you can avoid getting trapped
  • Garnishment Awaits Katrina Victim in Debt - An intermediary may succeed in getting a credit card company to agree to a repayment plan, avoiding court and garnishment
  • 4 Steps to Take before Borrowing on Home - Know your rights and understand all the terms before agreeing to a loan
  • Pluses and Pitfalls of Home Equity Borrowing - Leveraging the equity in your home can be a savvy financial move or a step backward. Here's a look at the pluses, pitfalls and alternatives to home equity borrowing
  • It Costs to Maintain Stop Payment - Another choice would be to close the account the check is written on
  • Balancing Student Loans, Home Down Payment - Borrowing from IRA is probably the best choice
  • Pending Default on Retirement Loan - Try to avoid defaulting or you'll have to pay a penalty tax
  • Tapping Home Equity after a Bankruptcy - First get your credit reports and score to see if you're subprime credit
  • How to Build a Credit History - You have to make sure your payments are reported to the credit bureaus
  • Dangers of Home Equity Loans - Changing behavior is safer and cheaper in the long run than a loan consolidation
    Your Family
  • Summer Sanity Savers by Shaunna Privratsky - Enjoying summer's simpler rhythm
  • Homemaking School for Children by Monica Resinger - Give your kids valuable lessons in housecleaning and responsibility
  • Let's Party, Baby! by Marlene Alexander - Dollar store decorating for a baby shower
    Your Home
  • Face-Lift Your Home with New Windows - Replacing tired, worn out windows is one of the fastest -- but not cheapest -- home improvements to boost the curb appeal and value of your home
  • Interactive: Match Projects, Budget and Skill - Anyone who's ever owned a home has looked for ways to improve it. This interactive tool lets you choose home projects by price, room and skill level
  • Should Home Sale Prices Be Kept Secret? - Most states do disclose prices one way or another, but some don't. Does nondisclosure help consumers? It certainly does benefit the real estate industry
  • It Might Be a Scam If ... - There are plenty of warning signs of a dishonest or incompetent contractor
    Your Career or Small Business
  • They Make How Much Money? by John L. White - When you feel you're being underpaid for your work
  • Working Life Goes On For Serial Retirees - Whether you call it re-careering, phased retirement or serial retirement, the outcome is the same. Many retirees continue to work, whether by choice or necessity
    Your Food
  • My Story: Vacation Meals contributed by Jora - Feeding your family a healthier and cheaper meal on the road
    Your Auto
  • Fuel Additives Ask Bob: The Auto Answer Man - Cleaning fuel injectors
    Your Taxes
  • Reimbursed Medicare Premiums - Since the Medicare premium payments you pay are allowable medical expenses on Schedule A, their reimbursement can be tax-free
  • Defaulting on Retirement Plan Loans - You're about to default against yourself and trade a debt you owe to yourself for one you owe the IRS
  • Claiming Foreign Dependents - To claim your parents as your dependents, they have to be U.S. residents for income tax purposes or residents of Canada or Mexico
  • Pay-on-Death Designation Avoids Probate - Basically, the pay-on-death designation on stock and bank accounts means you avoid probate and may not need a will
    Everything Else
  • Surviving the Medical Maze by Annette and Steve Economides - Tricks to get providers to deal fairly
  • Taxes, Fees Increase Air Travel Costs - Ticket price from the airline is only part of what you can pay
  • Do You Need Life Insurance Now? - Determining your life insurance needs should be done well in advance of your retirement
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Summer Work - This summer, a surefire way to keep kids from being bored and broke is work
  • Debts Gone In 1 Year! - Truck payment: gone. Credit card: gone. Student loans: gone! Check out this cool story...
  • Do-It-Yourself Will - Should Dawn try to avoid the cost of an attorney by doing a will herself?
  • Impulsive SUV - While my husband was out of town, I leased a brand-new $42,000 SUV
  • An Empty Retirement Account - Don't cash in your 401k like Kelly did
  • Getting Started - Al wants to know how to get started on his "get out of debt" plan

    June 4, 2007
    Special Military Section
  • Congress Considers Help for Vets - One proposal would provide grants and credit for returning military
  • 5 Steps Military Business Owners Should Take - Start by looking ahead and making a good business plan
  • Resources for Self-Employed Reservists, Guardsmen - The Small Business Administration offers a variety of programs
    Your Money
  • The Oh No Fund! courtesy of MyMint.com - Create your emergency fund now!
  • Investment Misconceptions by Douglas R. Andrew - Bad info could be costing you big-time!
  • Beware of Credit Card Foreign Transaction Fees! by Heshan Demel, CardRatings.com, Consumer Credit Researcher - What you need to know before traveling overseas
  • My Story: Budget Diet contributed by Heather in Washington - What could we learn from dieting that would help our budget?
  • Fame & Fortune - Writing country hits such as "He Stopped Loving Her Today" put Bobby Braddock in clover but overspending and "D-I-V-O-R-C-E" almost broke him
  • 4 Ways to Tap Home Equity - Tapping the equity in a home can go beyond the standard home equity loans. Here are four other ways to leverage your home equity
  • Why You Need an Estate Plan - Everyone has an estate. If you don't plan for the distribution of your assets, the state has a backup plan
  • Financial and Health Care Planning - You can plan for all contingencies by filling out a few documents and notifying your agents about your intentions
  • Paying for Wedding with New Credit Card - Putting nuptials on a new credit card is a very bad idea, and not having a joint account because one person's credit is bad is even worse
  • Dangers of Home Equity Loans - Changing behavior is safer and cheaper in the long run than a loan consolidation, says radio host Dave Ramsey
  • 9 Ways To Be Safe at ATMs - Protect yourself and your wallet when you get cash or make a deposit
  • Retiring Early: Possibility or Pipe Dream? - Preparation is key for those who want to leave the work force at any age, but especially for early bird retirees
  • Trends in Home Equity - Record default levels have been hard on both home equity lenders and borrowers, necessitating change
  • Morality in the Financial Arena - The perception exists that fee-based investment advisers have the moral upper hand in the financial industry, but it's not necessarily true
  • Maximizing Mom's Money in CDs - You want to make sure all the money is covered by deposit insurance, says Dr. Don.
  • Comparing Safety and Yield for Savings - If the account is covered by FDIC you should be safe
  • Checking Safety of Internet Banks - You should be safe if you check out the bank on Bankrate
  • Using Savings Account as Collateral - A savings account is iffy but a CD loan is often possible
    Your Family
  • Surviving the Wedding Season by Cara Davis - How many weddings will you be invited to this year?
  • Inexpensive Gifts for the Graduate by Amy Allen Clark - Affordable and thoughtful graduation gifts
  • Rainy Day Fun by Lyn Michaud - Develop your child's ability to think outside the box
    Your Home
  • Peel & Stick Tiles - How did they work for you?
  • How to Design a Home Media Room - How to choose equipment, lighting, flooring and furnishings for a cutting-edge in-home theater or family media room
  • Pros and Cons of Renting in Retirement - As with all major consumer decisions, there are tradeoffs to both renting and owning your own place. It's not strictly a financial decision
  • Survivor's Guide to ARM Resets - A flood of teaser-rate adjustable mortgages will reset their rates in the coming years. This special section outlines the problem -- and offers guidance to homeowners
  • Adjustable-Rate Mortgage Contract Primer - Contract language often is baffling, but this annotated, interactive tool gives examples and explanations of important clauses, options and sections
  • How Option ARMs Work - While they're enticing, these adjustable mortgages are also risky and complex, so you better know your indexes, caps and worst-case scenarios
  • Foreclosure Risk Rises with ARM Teaser Rates - Those with adjustable rate mortgages that have teaser rates below 2.5 percent carry the biggest chance of losing their homes
  • The Coming Wave of Foreclosures - You have a one-in-three chance of losing your house to foreclosure if you got an adjustable-rate mortgage (ARM) in 2004 through 2006 that had an initial teaser rate of less than 4 percent
  • Got a Reset and Can't Pay? Know the Options - If an adjustable rate mortgage resets to a rate so high it's no longer affordable, there are ways out, but success depends on knowledge and strategy
  • 10 Must-Know ARM, Reset Terms - Adjustable rate mortgages can be tricky beasts with a language of their own, so learn your cap, index and reset terms
  • Are McMansions a McThing of the Past? - Call it a redefinition or right-sizing that has more to do with architectural scale and creating livable space than with gross square footage
  • Cutting Your Home Energy Costs - Cooling your home is getting pricey, but a few changes can make a big difference. And, many changes don't cost much in cash, or comfort
    Your Auto
  • Recent Bankruptcy, Auto Lease Can Mix - A recent bankruptcy won't hold anyone back from getting a lease, but a bad credit score will
    Your Taxes
  • Capital Gains on New Home Sale - Your only hope would be to exclude gain because the move is work related
  • LLCs and Like-Kind Exchanges - Since you as an individual are the owner of both LLCs for tax purposes, the rules are the same as if you made the exchange even though the properties are titled differently
  • Taxed Twice on IRA Withdrawal - It's never correct to be taxed on the same money twice
  • Correcting Roth IRA Contribution - If you make an ineligible contribution for the year, you have until the due date of your tax return (including extensions) to withdraw the funds and avoid the excise tax
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Separated Wife Running Up Bills - Is Lee liable for credit card debt that his separated wife is running up?
  • Why Save? - How can Brian make his wife see that saving is important?
  • Washer & Dryer Stupid Tax - Since the $45 rental fee was just added in with our rent, we forgot we were paying extra for it
  • Graduating Debt Free! - In a world where it's normal to graduate from college with loads of debt, Joshua has realized it's much better to be weird!
  • Paying Cash for College - College costs are rising, but you still don't need to go into debt to pay them
  • Because Judy Did It - Kate gave up a perfectly good vehicle that was almost paid for all because her friend Judy financed a new van! Read more...
  • Just Started a Financial Makeover - What a difference 5 months have made in my family's finances and well-being

    May 28, 2007
    Your Money
  • 10 Easy Ways to Ensure Financial Failure by Jeffrey Strain - Blunders to avoid or resolve to ensure the long term health of your finances
  • Asset Allocation Reduces Volatility - Boost returns and mitigate risk by allocating your assets around the investment world
  • Valuing Assets Can Snarl Bankruptcy Case - When a debtor and the bankruptcy case trustee disagree over the value of assets, it can create a difficult and contentious case
  • De-Cluttering Your Finances - Organizing your portfolio will not only help you, but also your spouse and heirs
  • Dealing Wisely with Home Equity - The equity in a home is often a family's largest asset. When, how and why is it wise to tap it?
  • Making Home Equity Work for You - As you create equity in your home it becomes an asset. Here are seven ways to look at this asset
  • Hurdles Facing Home Equity Borrowers - Today's tight lending practices are making it tougher for borrowers. Here's what to expect
  • What Type of Home Equity Loan Is Best For You? - Home equity loans are not all the same. Choose wisely
  • 5 Frugal Tips for 40-Somethings - Over the hill doesn't mean financial obligations are all downhill from here. Make the most of this decade with these money-saving suggestions
  • 5 Frugal Tips for 50-Somethings - With retirement fast approaching, look for ways to maximize your nest egg. Increase your savings by following these suggestions
  • Is No Money Down a Good Idea? - Maybe a 10 percent down payment would be a better idea
  • 100 Percent Financing a Bad Idea - Even a small down payment will save you on interest
  • Debt Restructuring with Poor Credit - Remember that you're betting your house that you won't go into debt again
  • Comparing Money Market Mutual Fund Rates - They report a seven-day yield because of the short maturities
  • Maybe Credit Reports Aren't Wrong - The problem could be joint accounts with your ex-husbands
  • How to Deal Financially with a Job Loss - With a $24,000 debt and no income, reduce spending, make minimum payments, hoard cash and (gasp!) use the cards and tide you over
  • Synthetic Identity Theft on the Rise - Thieves create fake identities using real SSNs in this rapidly growing form of identity fraud. Trouble is the consumer rarely realizes it's happened
  • Investing in Out-of-State 529 Plan - Although Virginia does not provide for a financial aid benefit, you are allowed to claim a state income tax deduction for an in-state, but not an out-of-state, plan
  • In-Store Check Conversion Raises Questions - In-store check conversion may be convenient for merchants, but is it safe for your bank account?
    Your Family
  • My Good Goody Drawer by Francine Larson - Lovely gifts at a fraction of the price
  • Blow Out the Candles, Not Your Budget! by Kimberly Danger - Keep the budget down while turning up the fun
    Your Home
  • Sharing A House by Jessica Snell - Finding a housing solution
  • My Story: Low Dollar Decorating contributed by Lisa - How to redecorate on a budget
  • Is No Money Down a Good Idea? - Maybe a 10 percent down payment would be a better idea
  • 100 Percent Financing a Bad Idea - Even a small down payment will save you on interest
  • Insuring Home Improvement Success - If you're planning to spend thousands of dollars on home improvements, the last thing you want is for your investment to go up in smoke
  • Kitchen Remodel: Replace or Reface Cabinets? - Money isn't the key in making this decision, it's all about convenience and the quality of what's there already
  • 14 Ways to Make the Most of Your Curb Appeal - Here's how to make would-be buyers say "wow!" when they see your home
    Your Food
  • Summer Grillin' - Could your grill reduce your electric bill?
    Your Auto
  • Saturn Won't Start - Ask Bob: The Auto Answer Man
    Your Taxes
  • Inheriting a Flat Outside London
  • Taxes on Foreign Income - If you're a U.S. citizen or resident for tax purposes, you have to file and pay taxes on your worldwide income in the U.S.
  • House Transfer in a Divorce - Your parting gift to your spouse is that she's stuck with the cost basis in the home when she later sells
  • The Hidden Tax Costs of a Home Office - Claiming a home office deduction has many tax benefits. But it could be costly when you sell your home. Before you take this write-off, make sure you understand all its implications
  • Calculating Depreciation on Rental Property - Under MACRS all real property is depreciated on a straight-line basis over its class life
  • Withdrawing Money From Your IRA - The rules for taking distributions from your traditional IRA at age 701/2 are among the most complicated in the tax code, but you have a huge incentive to get it right. That is, you must pay a 50 percent penalty if you get it wrong
    Everything Else
  • Tips for Choosing Affordable Health Insurance by Karen Auby - What you should know before investing in individual health insurance
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Qualify for a Mortgage With No Credit? - Nancy has no credit history and a desire to own a home. Can she?
  • A Little Closer to Freedom - We're on our way to being debt-free, self-insured and leaving our children's children an inheritance
  • Retiring With a Mortgage - Having a mortgage during your golden years can be a recipe for disaster
  • Buy Long-Term Care or Disability Insurance? - Carol's company doesn't offer disability, so where should she get it?
  • Our Furnace Died - Instead of paying for a minor repair, Sophia's furnace died, forcing her to pay $3,500 than the minor repair!

    May 21, 2007
    Special Retirement Section
  • Vanishing Retiree Health Care Insurance - Don't believe everything you're told, even if you have it in writing, especially where post-retirement health insurance is concerned
  • Saving Strategies for the Over-50 Crowd - It's not time to give up, but rather gear up, if you've neglected retirement savings. The federal tax rules help you catch up
  • Status on America's Retirement - Workers are taking steps to ensure a secure future, but they need to make bigger strides
  • 9 Ways to Stretch Your Retirement Dollars - Common-sense strategies to stave off poverty in your golden years
  • Work Till You Die? - Bankrate polled Americans to gauge retirement attitudes and how people are saving for retirement
    Your Money
  • Battle of the Riches: Good vs. Evil by Janine Bolon - Which side is money on?
  • Protecting Your Credit and Debit Cards by Gary Foreman - Safeguarding your plastic
  • 5 Frugal Tips for 20-Somethings - Learn how to save money when you're practically broke by developing thrifty habits
  • 5 Frugal Tips for 30-Somethings - Saving money is hard to do when you have a new family, a new car and/or a new house. Consider these suggestions for stretching your budget
  • Surviving the Sandwich Years - The wealthiest seniors can afford the high costs of aging, and those with few assets qualify for Medicaid. But for seniors in the middle class, families often have to step in and help
  • Job Loss' Silver Lining: A Better Bankruptcy - Those forced to file a repayment-style bankruptcy because they make too much money can qualify for debt dismissal if family income goes down
  • College Money Guru - No tax perk if 529 money pays student loan
  • He's in Iraq, She's Racking Up Debt - A man whose wife ran up a $23,000 credit card bill while he was overseas has a big problem, but two federal laws give soldiers extra tools for dealing with debt, says the Debt Adviser.
  • Live Rich, Die Broke, Forget Retirement - "Die Broke" author Stephen Pollan shares his unique spin on estate planning and wealth management
  • Translating the FOMC Statement - We explain what the Fed's rate-setting committee meant in its post-meeting statement
  • Fed Creates New Winners, Losers - Here's how the Fed's announcement affects both borrowers and savers
  • Overspending? Try a 7-Day Money Challenge - All it takes is a small notepad and a bit of determination
  • Invest Your Assets - You don't need professional help. All you need is a recipe with index funds as ingredients for portfolio pie
  • Best Cards for Foreign Travel - Check the best credit and debit cards to use on vacation
  • What to Do with Inherited Savings Bonds - You can't just look at the bonds in isolation from the rest of your portfolio
  • Reacting to Possible Credit Fraud - You should put a credit freeze on if your state allows it
  • Have 1st and 2nd Mortgage, but Need Cash - If you have enough equity, your choices include a cash-out refi or a home equity line of credit. Each has advantages
    Your Family
  • Summer Event Savings by Deborah Jeanne Sergeant - Plan ahead to save under the summer sun
  • The Quest to Find Cheap Food for Baby by Amy Allen Clark - Feeding baby healthy foods on the cheap
    Your Home
  • Updated Kitchen Lighting - What works best in your kitchen?
  • Designing Your Perfect New Bath - Revamping your bathroom should be first an exercise in practicality, then style. Here's how to decide what kind of bath you want, then the best ways to achieve the total look
  • A Bad Contractor Can Ruin Your Plans - Check out the person you're considering hiring before you sign anything
  • How Much Is Too Much on Home Improvements? - Crossing any item off that wish list comes at a cost. As projects snowball (as they all seem to do) you may start to wonder if it's all worth it
  • Scammers Hurt Government Rehab Programs - Getting a grant from the government to fix up your home is not impossible, but scam artists often divert money away from rightful recipients
  • Should Car Accident Affect Homeowners Insurance? - Companies can decide how they determine risk
    Your Career or Small Business
  • My Story: One Person's Trash is Another's Treasure contributed by Donna Napolitan - This enterprising woman turned a discarded wine crate into a small successful side business
    Your Food
  • The Quest to Find Cheap Food for Baby by Amy Allen Clark - Feeding baby healthy foods on the cheap
    Your Auto
  • Should Car Accident Affect Homeowners Insurance? - Companies can decide how they determine risk
    Your Taxes
  • Contributing to Roth IRA after Retirement - Unlike with a traditional IRA, you can continue to contribute to a Roth IRA at any age
  • Who Pays the Gift Tax? - There is a lifetime exclusion on up to $1 million in taxable gifts so that no actual gift tax is paid until this threshold is reached
  • Cost of Shares in Demutualized Company - If you were a policyholder of a mutual company that went public, you may have received either stock or cash in exchange for your equity interest in the company
    Everything Else
  • What Have You Got to Lose? by Marianne Giullian - No cost weight loss
  • Living Seasonally by Pamela Parks - Bringing out each season's fullest potential
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • College Student Wants to Invest - Andrea is about to graduate. Should she start investing now?
  • Rebuilding After Bankruptcy - Kim and her husband are in Chapter 13. How do they make things right?
  • 20 Years to Pay Off 3 Months of My Salary?? - There's another phrase for this stupidity: it's called paying the minimum on your Stafford federal student loans
  • Negotiating and Bargaining - Dave gives some great advice on getting a deal
  • Students and Identity Theft - Find out why college kids are a prime target for identity theft
  • Bad Choice - Melissa cosigned for someone on an apartment lease, and guess what? She was left with the bill
  • Constant Refinancing - I realized the constant refinancing to stay out of debt was not working. I had to change my behavior... and fast!
  • We're Debt Free - Our friends are more impressed with our accomplishment than they ever were with things we bought on credit
  • Mom Has No Insurance - Tony's dad just passed on. How can he help his mother?

    May 14, 2007
    Special Retirement Section
  • Retirement Roadblock: Caring for Family - Jumping off the fast track to care for a child or parent can put the skids on retirement savings. Check out these seven ways to keep the momentum going
  • The Art of Retirement - The starving artist stereotype undergoes revision with the Artist Pension Trust, an investment program for visual artists
  • The Long and Short of Long-Short Funds - Want to hedge investments like the big-money people? The average investor can get in on the action via somewhat tamer long-short mutual funds
  • 6 Retirement Savings Tips for People 50+ - Now is the time to re-assess and ramp up your retirement savings strategies. Maximize your contributions and step cautiously into retirement
  • Managed vs. Index Funds - The debate over index versus actively managed funds has raged so long without resolution that it has taken on the rich patina of the great sports rivalries. Both offer advantages
  • Don't Let Divorce Derail Your Retirement - Both partners stand to lose financially in a divorce. Check out these eight tips for protecting your assets
  • Retirement Savings Tips for 40-Somethings - Four ways to improve your retirement savings just as you hit your peak earning years and family expenses are ballooning
    Your Money
  • Things I Wish I'd Known as a High School Graduate by April Borbon - Getting off to a good start as an adult
  • Helping a Desperate Sister by Gary Foreman - She wants a new car. Can I get involved?
  • My Story: Why? contributed by Charolett - What you can learn from a simple question
  • Fame & Fortune - With his hit series "The O.C." ended, 27-year-old actor Adam Brody admits he's a bit anxious to get back to work but can only hope the cards fall his way
  • Do We Sell Home Before or After Bankruptcy? - Check the laws of the state where you intend to move, and then file in the state where the rules are more favorable
  • Don't Want That Annuity Anymore? Sell It! - The secondary market for annuities allows owners to cash out and use the money in another way
  • 10 Money Tips from Mom - The advice you got from mother can help you get your finances in order
  • Shedding the World's Worst Credit Card - A credit card that costs $150 a year? Plus $6.50 a month? Plus an interest rate of 25 percent? And a credit limit of $300?
  • Loan Application Makes You a 'Trigger Lead' - If you apply for a loan, the credit bureaus will sell that information to competing lenders almost instantly. Like it or not, you'll be flooded with calls
  • Rates Slide for I-Bond and Series EE Bond - The government trimmed both the adjustable and the fixed rates on the inflation-fighting I-bond
  • Is Ford Money Account Investment Safe? - You should check the company's credit rating and then decide
  • Effects of a 'Hold' on Credit Card - The hold doesn't create any finance charges for your account
  • Working with a 2/28 Mortgage - The idea is to improve your credit score before you refinance
  • What to Do with Balloon on Horizon - You might as well refinance now because rates are relatively attractive
  • Down Payment Savings Strategy - A short-term reduction in retirement savings is acceptable, but make sure your investment risk level matches your buying schedule
  • Jobs Report vs. Rates - For the overall economy, the jobs report brings bad news but it could be good for mortgage shoppers
    Your Family
  • Helping a Desperate Sister by Gary Foreman - She wants a new car. Can I get involved?
  • Creative Baby Keepsakes on a Budget by Kimberly Danger - Simple ways to capture precious moments without spending a lot
    Your Home
  • Backyard Teen Retreat - Give them a good reason to stay at home
  • Storing Kid's Stuff - by Marlene Alexander
  • How to Hire the Expert Worker You Need - Depending on your level of skills or lack thereof, you'll want to hire a pro for some jobs. But how do you select the best one for you?
  • Map: Home Price Changes in Top 20 Markets - Interactive map shows changes in house prices in 20 large markets in 2006-2007, and in recent months
  • 7 Quick Fixes for Resale - Follow these tips to spruce up your home in no time
  • Formula for Foreclosure - More than 1.1 million homeowners will lose their homes by 2014 because they can't afford the rising payments on their adjustable-rate mortgages
    Your Food
  • Beat the High Cost of Coffee Shops by Jeff Guthrie - A former barista spills the beans!
    Your Auto
  • Leaky Air Conditioning - Ask Bob: The Auto Answer Man
    Your Taxes
  • Understanding the Kiddie Tax Rules - So long as you are age 18 in 2007, your capital gains investment income will be taxed at your rates and not your parents' marginal rates
  • Excess IRA Contribution Rules Punish Savers - Excess contributions to an IRA are subject to an annual excise tax of 6 percent of the over contribution, and the penalty continues to apply until the year you withdraw the excess
  • Cost Basis of Gifted Property - The basis in a gift is not the value at the time of the gift; that stepped-up basis only applies to inheritances
  • Tax-Deductible Home Improvements - The Internal Revenue Service often offers assistance to homeowners remodeling, renovating and improving their homes through a collection of tax incentives
  • Reporting Foreign Property Gift - Gifts and bequests that exceed $100,000 in value (either cash or property) from foreign individuals need to be disclosed on Form 3520
    Everything Else
  • Stay-At-Home Vacation by Jessica Snell - A quality vacation with all the comforts of home
  • Swap Unwanted Gift Cards for Ones You Want - Got gift cards you don't want? A number of Web sites let you buy, sell or trade them
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Pay Off College Now or Wait? - Should Kathy pay off her student loans or put the money in an account and do it later?
  • Things to Know When Buying a Car
  • The $25 Burrito - This has convinced me to use cash for those small purchases we all make
  • Stupidity Cost Me $247 - If only Kathy had taken the time to get online and check her benefits, she could have saved herself from this stupid tax
  • Parents and Money - It may be hard to talk to your parents about money, but here are some tips
  • Is It Appropriate to Hold Giving - Steven wonders if giving to his church can be put on hold as he gets out of debt
  • Proud of Myself - I finally got everything paid off this spring and put a massive chunk of my tax return right into savings. No more credit cards, no more student loan!

    May 7, 2007
    Special Retirement Section
  • Bankrate's 2007 Retirement Guide - We help young folks get in gear, middle-age folks move into overdrive and retirees coast through this fun phase of their lives
  • Status on America's Retirement - Workers are taking steps to ensure a secure future, but they need to make bigger strides
  • Basic Elements of Various IRAs and Workplace Plans - Individuals, employees and the self-employed each have unique opportunities for contributing to retirement savings accounts.
  • Hedging Your Retirement Bet - These days retirees get few guarantees. But you can take steps to ensure your money lasts
  • Life Stages Interactive - Invaluable retirement advice for people of all ages, from young folks early in their careers to those who have clocked out for the last time
  • Picking between Roth IRA and 401(k) - The choice between the two popular retirement vehicles hinges on whether you expect a higher tax bracket when you retire
  • Retirement Savings Tips for 30-Somethings - 7 ways to help balance family expenses with prudent saving for retirement
    Your Money
  • Quick Fix or Daily Habit? by Jeffrey Strain - Getting personal finances in order one day at a time
  • Tips for Tweaking IRAs - Ed Slott, a respected author and IRA expert explains a change coming in Roth IRAs sure to please people of all income levels
  • Comparing Money Market Accounts and Funds - Money market mutual funds are usually safe, but they're not insured
  • Mortgage Will Bring Down Credit Score - But it will go back up if you make timely payments
  • Picking a Secured Credit Card - Make sure the company reports your payment history
  • Fame & Fortune - Actress-author Mariel Hemingway feels morally obliged to invest only in companies and people she has personal regard for and understands
  • Ignore Arbitration, Suits on Bankruptcy's Eve - If a debt-related lawsuit or arbitration is filed just before bankruptcy, let the judgment come because the filing will cancel it
  • Check Hold Times Won't Change Soon - When Congress passed the law that eliminated the check float time, it promised to study whether to give consumers something in return: shorter deposit hold times
  • Card Company Raises Rate Over Debt Ratio - The creditor increasing your interest rate right after you applied for a home equity loan to pay it off may only be coincidence
  • Want to Save Money? Don't Shop - A group of friends in San Francisco wanted to reduce waste. They got more than they bargained for
  • Sweat the Small (and Big) Stuff - Consumers make decisions every day that can make a big difference in the long run on how much they can save
    Your Family
  • Family Reunion on a Shoestring by Deborah Jeanne Sergeant - Host a family reunion that all are sure to fondly remember
  • Kids and Money by Sam X Renick - Interview with Steven Rosen, Nationally Syndicated Columnist and Deputy Business Editor of the Kansas City Star
    Your Home
  • My Story: House Cleaning Service contributed by Annie - What you need to know before hiring a cleaning service
  • Saving on Pool Expenses by Linda Hull - Maximize savings with a little common sense and basic maintenance
  • Deciding How Long a Mortgage You Want - You can always get a 30 year and then make additional principal payments
  • Spring Is Bargain Time for Home Buyers - It's a solid buyer's market in most areas of the country, but demand is starting to pick up
  • How to Design an Efficient Kitchen - Revamping your kitchen should be first an exercise in practically, then style
  • Burglars Get a New Tool: 'Lock Bumping' - A cheap piece of plastic and an easily obtained blank key are all that a burglar needs to do a "lock bump"
  • Remodeling Costs Depend on Where You Live - Home improvement costs can vary widely by region
  • Home Improvement Costs: Here's the Payback - This chart shows typical construction costs for a variety of home improvement projects and the expected return on investment
  • Moral Hazard Is Part of Mortgage Mess - The concept known as "moral hazard" will be important to understand as Congress, regulators and lenders address the aftermath of shaky mortgage lending
  • 529 Money Can Buy College Housing, But ... - There are such stringent conditions you're unlikely to be able to buy that nice home on the edge of the campus
  • Warehouse Lenders' Role in Mortgage Woes - All big mortgage lenders rely on warehouse lines of credit. When that money spigot closes, lenders go out of business
  • Common Forms of Mortgage Fraud - Whatever the form of fraud, the goal is the same: to obtain a mortgage for which he would not legitimately qualify
    Your Career or Small Business
  • How to Choose a Business Credit Card courtesy of Creditorweb.com - This is not a decision to take lightly
  • The Right Job - Money isn't the only thing you should consider when job hunting
    Your Auto
  • Can't Afford Auto Lease - How to get out of a too-expensive auto lease
  • Expensive Wheels - What happens when you buy too much car?
    Your Taxes
  • Writing Off Warehouse Construction Costs - You'll get to write off the construction costs, but you'll have to do so through depreciation
  • Funding a Roth IRA with Odd Jobs - In 2007, the most your 22-year-old son can contribute to an IRA is the lesser of $4,000 or his net compensation income for the year
  • Deducting IRA Losses - The only way you could claim a deduction for the lost funds is if the amount was put into a nondeductible IRA or a Roth IRA
  • Deductible COBRA Payments - COBRA payments remain deductible even if you decline employer-offered health insurance
    Everything Else
  • Pay it Forward for Pennies by Kimberly Danger - Even a small thing can have a huge impact in someone's day
  • Give Gift Cards a Personal Touch - Think gift cards are too impersonal?
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Expensive Wheels - What happens when you buy too much car?
  • Raising a Young Adult - Lauren's son is 18 and only wants to party. What does Dave say?
  • The 30-Year Laptop - By the time she finishes paying for the stupid thing, it will be as obsolete as a tape player!
  • Co-Signed Christmas Mistake - Michelle's experience is living proof that cosigning is a horrible idea for everyone involved
  • Bitten by the Credit Card - To "build up his credit", Chris decided to play with snakes which only led to being "bitten" by the credit card industry
  • On Any Salary - I thought on my income I could not do this amazing stuff and pay off all this debt. Where was the money going to come from?
  • 15 or 30 Year Mortgage - What makes one better than the other?
  • The Right Job - Money isn't the only thing you should consider when job hunting
  • Laid Off? Don't Do This! - If you suddenly become unemployed, here are some things to remember
  • Newlywed Housing - Tom and his new wife have debt. Should they buy a home right now?
  • A Good Deal? - Jay learned the hard way that it's not wise to buy things just because you think you're getting a good deal

    April 30, 2007
    Your Money
  • Understanding Credit Card Terms courtesy of Creditorweb.com - Credit card terms are easy to learn and understand
  • What I Learned from an Electric Bill by Gary Foreman - Achieving financial goals and learning a thing or two along the way
  • Summer Money-Makers by Rachel Muller - Ways to get a little extra cash this summer
  • Piggyback Can Lift Your Credit Score - Critics claim it's gaming the system to become an authorized user on a stranger's credit, but doing so can help your credit rating
  • Fame & Fortune - After fleeing Cuba at age 3 and shedding big hair in college, Daisy Fuentes quickly rose to TV and modeling fame before becoming a top fashion guru
  • Collectors Call: Ex-Wife Had Secret Credit Card - Give the collectors a demand of your own: Send the paperwork proving it's a joint account
  • 20-Somethings: Start Now and Be Rich in Retirement - When you are in your 20s, a small consistent investment even for a short period trumps starting later and investing more money
  • Juggling Retirement When Buried in Debt - Seven ways to zap your debts without losing momentum on retirement savings
  • Hit Your Retirement Sweet Spot - Check out these 10 fail-proof tips for building your retirement savings accounts
  • Disputing Credit Report Error with a Collector - Removing inaccurate information from a credit report often requires writing a dispute letter to the debt collection agency that claims the debt is valid. Here's a sample letter you can use
  • Diversifying Within Retirement Accounts - You have to look at your investment portfolio as a whole
  • Money Market Account Can Replace CD - New product offers some advantages, but not as many as a money market account
  • Getting Started on a Savings Plan - You should also check into stocks and bonds for investing
  • When Is a Cash-Out Refinancing Worth It? - Though the interest rate on a mortgage is usually lower than other forms of borrowing, closing costs may wipe out the savings
  • Using Inheritance to Fix Bad Credit - There's no point in paying off the debt slowly
    Your Home
  • Thrift Store Home Decorating by Kathy Wilson - Don't overlook the potential of creative recycling
  • Congress Considers Foreclosure Help - Congress wants to hold back a rising tide of foreclosures, but they're being told that there's not much they can do
  • Subprime Mortgage Industry Special Section - Take an in-depth look at how the subprime mortgage lending industry rose and fell in this special section
  • 5 Most Popular Home Improvement Projects - Curb appeal is wonderful for sellers but when it comes to home improvement efforts and dollars spent, most homeowners turn their attention indoors
  • Midwest: Affordable Homes but Few Jobs - The heartland has the best affordability but there's a hitch
  • Refinancing an Exotic Mortgage - A sluggish home-sale market combined with tighter credit is making refinancing out an ARM or exotic mortgage more challenging, but not impossible
  • Cool Tools for the Do-It-Yourselfer - Handy, small or inexpensive helps for do-it-yourself home improvement projects
  • What Can You Buy For $400,000? - How strong is today's buyer's market? Bankrate revisits five cities that were part of our 2006 "What will $400,000 buy" survey to see what, if anything, has changed
    Your Food
  • My Story: Meals from Staples contributed by Mary - Economical meals to stretch the food dollar
    Your Auto
  • Breaking Alternator Belt Ask Bob: The Auto Answer Man - They can't all be 'bad' belts!
    Your Taxes
  • Newlywed's Change to W-4 Form - The last thing you want is a large balance due with your first joint tax return
  • Taxes and Your Home Equity Loan - In most cases, home improvements can be paid for with a home equity loan or home equity line of credit (HELOC) and the interest paid on up to $100,000 is tax deductible
  • 1040X to the Rescue - Just discovered you fouled up your tax return? Here's how to correct it
  • Royalties to Be Treated as Capital Gains - Starting in tax years that begin after May 17, 2006, you can get capital asset treatment on the sale or exchange of copyrights
  • Tax Record-Keeping Tips - Don't drown under tons of old tax forms. Here are the records to keep and the best ways to save them
  • Real Estate Depreciation Demystified - Here's how to claim an allowance for your cost that helps reduce the income on which you pay taxes
    Everything Else
  • An Expensive Friend - What to do when your friend has expensive habits and tastes
  • Timeshares by Damon Carr - Cut the hype and get to the truth
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Emergency Fund First? - If you're facing unemployment, should you save money or pay off debt?
  • Whole Life Insurance - When Denise cashed in $12,000 from a policy, she only got $4,000 back! Sounds like a ripoff, doesn't it? Read her story
  • Best Wedding Gift - As we planned for our wedding, we also started to plan for our future, which in the long run probably saved our marriage before it even started
  • This Military Women Is Debt Free! - It's an amazing feeling to know that I accomplished this on my own! Now I can save up a good bit of money before I separate from the service!
  • Further and Further Behind - What happens when you borrow money to go further in debt?
  • Saving for Retirement - Don't get to retirement and find that you don't have enough saved. Get started now
  • I Bought a $60,000 Car! - Trisha signed up for $840/month payments in the blink of an eye! Read more of her story...
  • $65 Never Cost So Much - Because Christian didn't pay a speeding ticket and ignored all notices, he spent a holiday in the county jail!
  • An Amazing Freedom - Over the past 6 months, Dave and his wife have gotten closer to being debt free and have built up a growing emergency fund
  • It Adds Up! - "We learned that interest was being charged every day regardless if it was paid by (or before) the due date"
  • No Longer Diligent - Not balancing her checkbook every day cost Jessica at least $225!
  • No Car Payments - What advice does Dave give for buying cars with cash?
  • Sparked by a Child - Our wake-up call was when our child required long-term medical treatment that would cost $40,000 annually out of pocket

    April 23, 2007
    Your Money
  • Repaying Charged-Off Debts by Gary Foreman - Can they keep charging interest and penalties?
  • Are You Ready to Grow Up? by Janine Bolon - Five key behaviors of the financially mature
  • Fame & Fortune - Tae Bo creator Billy Blanks overcame both educational and physical impediments to become a fitness guru, pop culture phenomenon and benefactor to disadvantaged youth
  • Take Care Mingling Money in Bankruptcy - If two unrelated people share a bank account and one goes bankrupt, creditors might come after the money, regardless of who deposited it
  • Pay Down Debts or Build Up Down Payment? - Lenders will want to compare your income with your monthly expenses
  • Student Gets Expensive Credit Card Lesson - That's right, if you get your first credit card, run up a balance and don't ever pay, your debt can double
  • 10 Lethal Mistakes for Real Estate Investors - As the housing market starts to rebound, investing becomes more appealing. But there's a right way and a wrong way to go about it
  • New Retirement Savings Rates - American workers have been charting their retirements without the benefit of a compass. A new study provides savings rates that can be utilized by the masses
  • How Many IRAs Can You Have? - It isn't the number of IRAs that matter, it's the amount you contribute
  • Don't Pay Estate Bills with Your Money - When your father died, money in the joint account becomes yours, not the estate's
  • Credit Cards and the Mentally Challenged - If a mentally challenged is independent, there's little that can be done to prevent card companies from issuing credit
  • Moving 401(k) Account from Former Job - A traditional IRA will give you the most flexibility
  • Diversify an IRA with Real Estate - A self-directed IRA allows the owner to invest in real estate, but the rules and risks are many
    Your Family
  • Get Away on the Cheap by Elaine Snyder - An overnight vacation for less than $100
    Your Home
  • Bringing the Indoors to Your Outdoor World by Barbara Jennings - Bring an artful touch to your front and back yards
  • The Dollar Store Shopper: Dishin' On Dishes by Marlene Alexander - From plain to pleasing
  • Foreclosure Forecast: Blizzard Brewing - A slumping market, resetting ARMs and purely local factors may collide to force a worsening outlook to the existing foreclosure storm
  • Solar Power without Solar Panels - New solar energy cells built right into roofing materials can provide solar power without the ugly solar panels cluttering up your roof
  • Altered Photos: Removing the Real from Real Estate - Is it ethical for real estate agents to alter photos of houses for sale?
  • 10 Quick-and-Cheap Ways to Upgrade Your Home - Looking to make a big splash in improving the looks of your home, but don't have much cash. Here are 10 suggestions you might try
  • Pay Down Debts or Build Up Down Payment? - Lenders will want to compare your income with your monthly expenses
  • 12 Ways to Pay for Your Home Improvements - A dozen ways to find money for remodeling your home, such as loans, credit, retirement funds and insurance
    Your Food
  • Eat Healthy, Eat Cheap by Sherry Ballou Hanson - Be healthier and spend less at the checkout
  • My Story: The Freezer contributed by Carolyn - Make good use of your freeze and prevent waste
    Your Taxes
  • Unclaimed Tax Refunds by State - More Californians are owed 2003 refunds, but New Hampshire residents are likely to get bigger checks
  • Having Trouble Paying Your Tax Bill? - Don't panic. You've got some options to remit what you owe
  • Home Improvements Can Lower Your Capital Gains Tax - Money spent on home improvements, remodeling and renovations can often be subtracted from your profit -- if and when you sell -- reducing your long-term capital gains tax
  • Wrong Address Can Mean Lost Refund - Make sure your address is correct on your return. A wrong one can mean missed tax money
  • Tips for that Mad Dash to the Post Office - Here's how to make sure your return gets to the IRS on time
  • Two Children, One Tax Credit - The maximum amount you can claim for the credit is $1,000 for each qualifying child
  • Name, ID Number Coordination is Crucial - A mismatch between a name and a Social Security number on a tax return could mean costly problems
  • Capitalizing Costs to Real Property - Capitalizing your costs, or adding interest and taxes to the adjusted basis of the property, might lead to higher taxes when you sell
  • Reporting Your Retirement Plan Rollover - When you changed jobs, you took your company retirement plan with you. Here's how to report that to the IRS
  • Juggling Money in Retirement Plans - A married couple with only one active participant in a company retirement plan can make a fully deductible contribution to an IRA when their AGI is below $150,000
  • Some Face Double Tax Deadline - April 17 means twice the tax work for filers who must make estimated tax payments
    Everything Else
  • When a Doctor Goofs - Should you have to pay other doctors to correct the first doctor's mistake?
  • Too Much of a Good Thing by Kimberly Danger - Is bargain hunting blowing your budget?
  • Setting Up a College Fund for a Friend's Child - A kind-hearted gesture -- setting up a college fund for the son of a friend who died -- can be accomplished in several ways
  • 7 Tips for Buying a Time Share - If you decide to buy, make sure you do your homework first
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • $1,550 for One Week - With all the move-out fees and deposits Mark had to pay, this apartment (and the roommate) ended up being a hassle instead of a blessing
  • Tax Time - Just like with your long-term money plan, make a plan for your taxes, too
  • A Shirt I'll Never Wear - Don't let procrastination cost you money... even if it's only $15! Read Terri's stupid tax story
  • Knocked Out Our Debt - "We laugh regularly because we did it while eating rice and beans, beans and rice!" Read more of Cheryl's story...

    April 16, 2007
    Your Money
  • Use Inherited Cash for Investment or Mortgage? - First you need to get together with a financial planner
  • Negative Amortization Is a Bad Idea - With a refinance, you're just moving your debt around
  • Investing for Children - Decide if you're teaching the children to invest or saving for college
  • Fiance's Bad Credit Is a Problem - You're not going to be able to repair his credit in just a few months
  • Time to Cash in Savings Bond - It won't pay any more interest and you have to pay all the taxes
  • Spring 2007 Passbook / Statement Savings Study - Survey of passbook savings and statement savings accounts reveals interest rates are shrinking
  • Passbook Savings are Passe - The cost to banks and consumers wanting more convenience are just two reasons why passbook savings accounts are in decline
  • Fame & Fortune - Author Jeff Shaara never wrote a book before but this coin collector built a mountain of cash by expanding his father's literary legacy and launching his own career as a successful author with "Gods and Generals"
  • Don't Loan Money to Pay Relative's Debt - If you must help out your relative, make it a gift, or a loan contingent on getting debt counseling
    Your Home
  • Selling Your Home - What works when you must sell your home
  • Storage Units by Marianne Giullian - Do the math before you store it!
  • Organic Weed Control Guide by Monica Resinger - Keeping weeds at bay the natural way
  • My Story: Home Security contributed by Serena - A single mom's tips on staying safe and secure
  • 10 Highest Priced U.S. Housing Markets in 2006 - These are the 10 U.S. metropolitan areas with the highest median price for existing single-family homes in 2006, according to the National Association of Realtors
  • What's Hot: High Tech with a Soft Touch - Recycled materials, computers and built-in appliances are becoming a part of home design, but so are comforting tones and spa-like environs
  • Home Improvement Guide - Spring means home improvement season and Bankrate celebrates with a 40-plus story package of advice -- including an interactive that lets you make your plans based on price, room or project and DIY rating
  • Too Many New Homes - Overproduction put new home builders into the deep freeze
  • Hire a Pro or Play the Pro? A DIY Dilemma - Even natural do-it-yourselfer types sometimes find themselves facing a project and asking: Should I handle this myself or hire a pro?
  • Move or Remodel: Which Makes Sense? - Should you move or remodel? Experts explain the psychology and finances of a life decision we often make two or three times
  • Mortgage Fraud Flourishes in Down Markets - As long as the market stays in the doldrums mortgage fraud will continue to thrive, financially damaging not only buyers, sellers and lenders, but even neighbors
  • Understanding Yield Spread Premiums - How does a mortgage broker make money? Largely through getting a loan for one rate and charging consumers a higher one. Understand the process, and you stand to save
  • Struggling Mightily with an Option ARM - This California family is upside down in their mortgage. Their option ARM started off great but is now zapping their bottom line
    Your Career or Small Business
  • Geek Speak by Bob Osgoodby - Keep your advertising geared to the average person
    Your Food
  • Looking for Great Grocery Coupons? Try Flattery! by Faye Prosser - Find coupons for the products your family loves
    Your Auto
  • Tire Replacement Ask Bob: The Auto Answer Man - Put my best tire forward? Or back?
    Your Taxes
  • How to Negotiate Huge Overdue Tax Bill Owing - $64,000 in back taxes calls for immediate action with a CPA, enrolled agent or tax lawyer
  • Good Deeds Can Also Mean Good Tax Breaks - Charitable acts can help cut your tax bill if you follow the IRS rules
  • Taxability of Complex Trust - When the corpus of a trust is eventually distributed, the recovery of the corpus is tax-free to the beneficiaries
  • Miscellaneous Itemized Deductions - These catch-all expenses offer another way to cut your tax bill, but only if you have enough of them
  • 7 Tax Terrors and How to Overcome Them - Sometimes all we have to fear is tax fear itself. But you can beat these common tax bogeymen that are preventing you from getting your taxes done
  • When It's OK to Tap Your IRA - Sometimes you need your nest egg money early. Here's when Uncle Sam says the withdrawal won't cost you extra
  • Alternative Minimum Tax and State Tax Refund - Under AMT some of the deductions Congress allows you for regular taxes are taken away
  • Taxes on Home Office Deduction - If you a claim a home office deduction, you should claim depreciation on the property. But then when you sell the property, a portion of your gain is subject to tax
  • Money-Back Break for Low-Income Taxpayers - If you don't make a lot, this tax credit could help you get some cash back from Uncle Sam.
  • Tax Savings for Educated Use of Bonds - If you used these government savings to pay college costs, the interest on the bonds is tax-free
  • Taxes on Wrongful Termination Suit - Since wrongful termination suits involve claims for personal, not physical, injuries, awards are taxable
  • Bankrate's 7-Day Tax Filing Plan - Time's running out to complete your 1040. Don't panic. Our one-week, hour-a-day filing strategy will help you get your taxes done
    Everything Else
  • My Story: More Movie Savings contributed by Kathy - See great movies before they are even released
  • Binding Arbitration - What you need to know about that 'binding arbitration' clause you signed
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • It's Great to Be In Control of My Money Now - Luke's family can give more, stay at home to raise children, not be stressed about money, and communicate better. Read his story...
  • My Puppy Chewed Up $300 - Puppies are cute, but they also like to chew things up, as Amy found out the hard way. Don't make the same mistake!
  • Another Marriage Saved - "It was a definite wake-up call for us and has changed our lives...Six months ago, divorce was very possible, but now I think we will really make it"
  • 3 Expensive One-Way Tickets - It was really nice to pay more for a one-way ticket than what it cost to fly round-trip! ARGH!
  • She Forced Me to Go - During the class I decided she was not an idiot for wanting to do this, so I drank the Kool-Aid and went full force
  • A $15,000 'Free' Towel - Sean never wanted the credit, just the cool-looking towel he got for signing up for the card! Did you know the towel's not worth it?!
  • $220 Worth of Procrastination - Don't delay about getting a new license like Danielle did. You'll end up paying more if you procrastinate long enough! Read more...1

    April 9, 2007
    Your Money
  • Don't Ignore the Growth by Georges Yared - What could you learn from baby boomer investing?
  • Be Careful of Debt That Comes Back to Life by Jeffrey Strain - Know your rights when it comes to debts
  • For the Love of Money by Jill Cooper - Are your money and emotions connected?
  • Fame & Fortune - Like so many others, the rock 'n' roll lifestyle caused Eddie Money much pain and loss. But after putting windmills, drugs and booze behind him, this "working slob" is just plain happy
  • Dealing with a Debt Collector Who Lies - Know the rights granted by the Fair Debt Collection Practices Act, and if the collector breaks the law, sue 'em
  • Using Other State's 529 Plan Won't Hike Tuition - You're free to shop for the best 529 plan without fear that it will jeopardize your in-state tuition
  • Divorcing a Man and His $190,000 Debt - Use negotiations and the divorce decree to make sure the spouse who ran up the massive credit card debt is the one the debt collectors go after
  • Student Loan Shenanigans - What does it take for student loan firms to make a college's preferred lenders list? In some cases, it has nothing to do with what's best for students
  • Financial Planning for Peace Corps Volunteer - With such a lengthy foreign stay on tap, having financial affairs in order is vital
  • Closing a Credit Card Account with a Balance - You won't get a final bill, but the account isn't closed until the balance is paid
  • Do Numbers or Words Count on a Check? - He put two different amounts on his mortgage check
  • Considering a Nondeductible IRA - An upcoming change in the tax law might make it worthwhile
  • Avoiding Withholding on Rollovers - Just make sure you move the money in a direct transfer
  • Celebrities Talk about Real Estate - Rock stars, authors, comedians and other stars reflect on their real estate investments: lessons learned and investing philosophies
    Your Family
  • Financing Fertility Treatment Costs - For couples battling infertility, the emotional and financial costs are high. There are several ways to lessen the financial pain
    Your Home
  • Gearing Up For Summer by Amy Allen Clark - Preparing your home's exterior for the summer months
  • Should Newlyweds Buy a House? - Is it wise to buy a home before the ink dries on your marriage certificate? Here are financial questions to consider
  • Don't Get Stung: Know Thy Mortgage - Not knowing your mortgage terms can bring a nasty (and expensive) surprise when it comes time to sell or the interest rate adjusts
  • Western Real Estate Cools, With Exceptions - Prices will be rising modestly in the West, and Utah looks like it could become a 2007 hotspot. But the hottest markets of the past will continue to struggle
  • Negative Media Stories Can Dampen Real Estate Market - Many real estate professionals insist a lot of negative publicity about the housing market can have an effect on whether consumers will buy, sell or sit
  • Credit Scores and Your Mortgage Rate - The higher a credit score, the better the mortgage deal. Discover the relationship of interest rates and credit worthiness, and other factors lenders will consider
  • Contrarian Advice: Invest in Real Estate Now - True, real estate is prone to market cycles. But a down market may be the best time to invest in this asset class
    Your Career or Small Business
  • Working from Home - Readers share what's worked for them
    Your Auto
  • My Story: Buying a Car contributed by Debbie - Getting the best deal every time
  • How to Beat that Traffic Ticket - With some preparation and work, you might be able to keep those points off your record
    Your Taxes
  • Where's My Refund? - Still waiting for your IRS check? Before your mail carrier takes out a restraining order, try these tips for tracking down your tax cash
  • Cover College Costs with a Coverdell - These special savings plans offer tax breaks for schooling at many levels
  • Getting the Phone Tax Refund - The IRS has come out with a one-time-only form for individuals who otherwise would not file a return to claim the federal excise tax refund
  • Tax Rules for Young Investors - Changes to the kiddie tax means that some investment earnings will face higher taxes
  • Cashing in on Uncommon Contributions - These atypical write-offs can help you support your favorite charity and cut your tax bill
  • Deducting Losses or Capitalizing Costs - If instead of immediately selling the property you offer it for rent, you can convert your capital loss to ordinary loss
  • Dealing with IRS Notices - Don't panic when that letter from the IRS arrives. Many tax notices can be dealt with simply and painlessly
  • Taxability of Right-of-Way Proceeds - There are two types of easements, and one of them involves a taxable gain
  • Carrying Back Casualty Loss - If your client has negative taxable income, he can use the net operating loss to recover taxes paid in prior years
  • Reporting Your Capital Gains (or Losses) - When you sell an investment, the IRS wants a Schedule D. This form can be a hassle, but it also could save you some tax dollars
  • Tempting the Tax Auditor - The IRS is coming after more filers. You might be a target if you fly these red flags on your tax return
  • Preparing for a Tax Audit - You got that dreaded IRS letter? Don't panic, just prepare
    Everything Else
  • Waste Not, Want Not by Kimberly Danger - Embracing resourcefulness and using what you already have
  • My Story: Just 5 Minutes contributed by Heather - She makes a difference in the first 5 minutes of her day
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • I Got My Life Back - My nerves were shot, and I was a mess until I found out about the Debt Snowball program"
  • Buying a Car - Don't buy more car than you need, or trouble will come with it
  • My Timeshare - Timeshares are horrible purchases! Rachel found this out the hard way and has been trying to sell one for over 2 years!
  • Paying for a Dirt Bike - Joe purchased a dirt bike on credit, and the bike ended up being a curse and not a blessing
  • Debt Free & Saving Like Crazy - We are proud to say that last week we became DEBT FREE! We had made another goal - to have $10,000 in savings by the end of this year
  • Fleeced! - Fleecing a car is just bad math! Avoid Melissa's mistake, and you can save yourself tons of money!
  • A Wake Up Call - "Jobless, in debt up to my eyeballs, house payment - I absolutely wanted to die." ...But then Karyn got a good wake-up call and is now getting out of debt!

    April 2, 2007
    Your Money
  • Real Banks Enter the World of Virtual Reality - In an effort to reach young people, banks are joining virtual worlds, such as Second Life. But beyond education, will they offer other services?
  • Match a Mortgage to Your Lifestyle - Mortgage lenders offer a variety of home loan options. Find the mortgage that fits your circumstance
  • Fame & Fortune - Between acting and business, this "Charlie's Angels" star Jaclyn Smith proves she's nothing but "Shear Genius"
  • Filing Proof of Claim Against Bankrupt Firm - If a company has filed Chapter 11 bankruptcy and owes you wages, you need to file a proof of claim to get in line with all the other creditors
  • Don't Wipe Out Savings to Wipe Out Debt - Sure, you could throw every available dollar at student loans and credit card debt. But leave enough for an emergency fund -- and a bit of mad money for yourself
  • What to Do with Old Savings Bonds - It's not necessary to trade them in just because they've reached face value
  • Too Soon to Refinance Piggyback Loan - It's unlikely that you've built up much equity this quickly
  • Should You Sell Guaranteed Income Stream? - It's rarely a good idea to sell, so conventional financing would be a better choice
  • Got Change for a $100,000 Bill? - Your friend's big bill is not legal
    Your Family
  • Surviving as a Single Mom - Making a go of it on a small income
  • Save Money on Breastfeeding by Cathy Tanaka - What you need and what you don't
    Your Home
  • My Story: Old Spices contributed by Anne in New Orleans, LA - Add a healthy aroma to your home
  • The Dollar Store Shopper: His Desk, Her Desk by Marlene Alexander - Create an attractive and useful workspace
  • Poll: Are You a Homeowner or Renter? - We polled the nation to find out why renters have not bought a home and what ARM holders plan to do when the loan readjusts -- and lots more. It's your turn. Take our poll to see how you compare with the nation
  • 34 Percent of Homeowners Are Clueless About Their Mortgage - A recent Bankrate poll showed that more than a third of the nation's homeowners are confused about their mortgages. And, 28 percent worry about making their mortgage payments
  • 10 Lowest Priced U.S. Housing Markets in 2006 - According to the National Association of Realtors (NAR), these are the 10 U.S. metropolitan areas with the lowest median price for existing single-family homes in 2006
  • 3 Steps to Take Before Buying a Home - Landing a mortgage that fits your budget is more likely if you've prepared your finances
  • Interactive Rates Map - Use this interactive tool to find rates in your local area and compare state and national averages
  • 20 Steps to a Great Home Buy in 2007 - Spring and summer is prime home-buying season and 2007 promises to be excellent for buyers. Here are 20 steps that help you get the best deal on a home this year
  • 5 Mortgage Mess-ups - Before applying for a mortgage, get your credit in shape. Any of these five moves could sabotage your mortgage approval
  • Lender Won't Cancel Duplicate Hazard Insurance - First make sure you didn't agree to the insurance at the closing
    Your Career or Small Business
  • Establish Structure in Your Home Business by Joyce Moseley Pierce - Rules to help you stay productive and satisfied
    Your Auto
  • Cold Stalling F150 Ask Bob: The Auto Answer Man - Once started, it only runs a few minutes and then stalls
    Your Taxes
  • Slim Down Your Tax Bill for 2007 by Eric Tyson - Ten start-right-now strategies
  • Writing Off Travel Expenses - You can deduct reasonable and ordinary travel expenses when away from home on a temporary work assignment
  • Schedule C vs. Schedule C-EZ - Sole proprietors have tax form options when it comes to reporting business income
  • Roth IRA Rules - Retirement plans get added attention during tax-filing season. Here's a look at the guidelines for a Roth account
  • Mandatory IRA Distribution Deadline Nears - The IRS says some older taxpayers must withdraw a bit of their retirement money by April 1. No joke
  • Traditional IRA or Roth IRA? - Although a tax-free retirement sounds good, saving taxes today sounds better
  • Business Expenses that Benefit You - If you paid some work-related costs and weren't reimbursed, you may be able to turn your professional dedication into a tax break
  • Limit on Real Estate Tax Deductions - Real estate taxes are generally always tax deductible, but you may not get any tax benefit if the dreaded alternative minimum tax kicks in
  • Tracking Down Old Tax Records - You say you need an old tax return before your banker will approve your loan? Here's how to track down tax documents you trashed or lost
  • UGMA Account Generates Taxes - The income from a Uniform Gift to Minors Act (UGMA) is usually reported to the IRS under the child's Social Security number
    Everything Else
  • New Airline Reward Changes by Bill Hardekopf - Use or lose your frequent flier miles
  • My Story: Creative Giving contributed by Donna - How rebates and coupons can stretch your charitable dollars
  • Medical Tourism Offers Healthy Savings - Going overseas for surgery can mean big savings, but do your homework
  • Smart Landlords Do Serious Due Diligence - Landlords who take shortcuts when screening potential tenants, buying insurance or outlining a written lease can end up with costly surprises
  • Advertising Your Rental Property - If you market your property wisely, you will likely attract good tenants
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • They Add Up! - Don't want to pay all those parking tickets you have? You will want to after reading Anney's story about procrastination!
  • Tuition Money Gone! - I paid about $3,500 in tuition, fees, books, etc. for four Computer Science courses that won't transfer..."
  • Living a Richer Life - No matter how small an income, I live richer than those with credit card debt
  • Borrowing Against Your Home - Your home is your biggest asset, so keep risk away from it
  • Paying for Ignorance - The manager ended up charging me $135 for the tow and another $85 to tell me it was going to cost me $750...
  • College Student Is Debt Free - Beans and rice was the way to go, and I told the operator at the credit card company I just didn't like the idea of being in debt anymore!
  • $600 Per Month - He pays for a sports car that he cannot drive

    March 26, 2007
    Your Money
  • Don't Bury Your Head in the Sand! by Jill Cooper - Taking the financial bull by the horns
  • Bankruptcy Law Irony: Overtime Can Hurt - If you work overtime to avoid bankruptcy, but then have to file Chapter 13 anyway, the law expects you to keep on working the extra job
  • Why Buy a Home? - Owning your own home has advantages beyond the obvious roof over your head. Homeownership creates financial wealth and reduces tax burdens
  • Fame & Fortune - Whether Ed Viesturs is climbing mountains such as Everest and K2 or investing money for his children's education, the Illinois native says he takes no risks
  • Renting Home to Daughter - There are several tax and financial factors to consider
  • House Rich and Cash Poor - Your best solution may be to sell the house
  • Take Charge of Your Cards - Plastic in your wallet comes in handy. How you use it can bring joy or sorrow into your life
  • New Debt Collector, New Threat to Credit? - Know your rights: A debt collector can't legally extend the time a bad debt stays on your credit report
  • Drive to Make Deals Fuels Mortgage Woes - Why such carnage in the subprime mortgage market? Everyone in the real estate business has incentives to make sure deals happen -- even unwise ones
  • Health and Wealth a Good Combo - You can take small steps to improve your health and financial well being. The benefits could last a lifetime
  • Cable, Utility Payments Aren't on Credit Report - They usually are not reported, unless you don't pay
    Your Family
  • Frugal RV Traveling Tips by John Noble - Keeping an eye on the road and your budget
  • Renting Home to Daughter - There are several tax and financial factors to consider
    Your Home
  • Get a Jump on Gardening Overhead by M. Carole Wyatt - Frugal ways to start the garden you've always wanted
  • My Story: Laundry Tips contributed by lmf - Save time and money in the laundry room
  • Financial Literacy Guide: Understanding Mortgages - Finding a home to buy is fun. Landing a mortgage to fit your lifestyle is more complicated
  • Why Buy a Home? - Owning your own home has advantages beyond the obvious roof over your head. Homeownership creates financial wealth and reduces tax burdens
  • 10 Coldest Home Markets for 2006 - According to the National Association of Realtors (NAR), these are the 10 U.S. metropolitan areas that suffered the greatest percentage loss of value in 2006
  • Rising Consumer Confidence Boosts Housing Market - Surveys show consumers are more confident today than they were a year ago and feel 2007 will be a good time to buy a house
  • 10 'Must-Do' Steps to Sell Your Home This Year - It's a buyer's market in most areas of the country so if you're selling your home this year, be prepared for a marathon, not a sprint. Following these 10 tips will help you sell soon
  • Inherited Home Creates Financing Questions - You need to sit down with your tax adviser to sort out the options
  • House Rich and Cash Poor - Your best solution may be to sell the house
  • ARM, Hybrid ARM or Fixed-Rate Mortgage? - A hybrid ARM might be best for a limited stay in the house
    Your Auto
  • My Story: The Carfree Couple contributed by Sharon - Embracing the idea of living without a car
  • Does the Odometer Have to Work? - Ask Bob: The Auto Answer Man
  • Are Certified Pre-owned Cars Worth the Money? - If you decide to purchase a CPO, be prepared to research the car just like you would a new one
  • Some Hybrid Tax Breaks Slipping Away - The tax credit for popular, fuel-efficient Toyota hybrid cars has already been cut in half. In a few weeks, it will be reduced again
    Your Taxes
  • Amending Your Tax Return - Discovered a mistake on your 1040? This form will help you fix it
  • Tax Withholding for Foreigner's U.S. Home - While you're responsible for the withholding, the title company is generally the intermediary that holds back the 10 percent of the purchase price
  • Recovering Excess FICA Payments - If you changed jobs last year, it's possible you had too much Social Security tax withheld. Here's how to get it back
  • Smart Taxpayers Learn Education Credit Lessons - College costs don't have to overwhelm you. Let your Uncle Sam help foot some of your higher education bills
  • Royalties to Be Treated as Capital Gains - Starting in tax years that begin after May 17, 2006, you can get capital asset treatment on the sale or exchange of copyrights
  • Writing Off Home-Office Expenses - Do you work from home? You may be able to claim a deduction for your workspace
  • Putting Foreign Taxes to Domestic Use - If you paid foreign taxes, you have a choice on how to use them to cut your U.S. tax bill
  • Tax-Exempt Interest Not Really Taxable - The interest is exempt, but you may end up paying higher taxes if you collect Social Security benefits
  • The Psychology Behind Tax Procrastination - Here's how to overcome foot-dragging, dithering and delaying one of life's inevitabilities
    Everything Else
  • Cutting the Landline - The pros and cons of living with just a cell phone
  • 5 Secrets to Getting a Better Price on Anything by Sally A. Kane - Prices are generally not set in stone
  • Short-Term Health Insurance on the Rise - For workers who are in between jobs, short-term health insurance is an alternative to more expensive options
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • A Leased Phone - I've paid you $729.12 for a $20 phone, and now you want me to pay you $85 to stop charging me for it?
  • Krista's no longer running out of money before payday... the downward spiral has made a turn for the best! - Determination and Discipline
  • Understand What You're Signing - I signed the papers, not knowing what a balloon payment loan was...
  • Living Debt Free - One day my 7-year-old asked me, "Why is it so important to be debt free?"
  • Doing What You Love - You won't be tempted to spend as much when you have a job you love
  • My Ring Is a Stupid Tax - It is no fun having to look at the ring on my finger as a reminder of the $3,500+ stupid tax
  • Thinking Twice About a New Car - I had to remind myself that a $600 tune up is way better than $20,000 car I wasn't going to pay for in cash
  • I'll Never Finance Again - We are about to pay off the car after three years of misery. I will never finance a car again...
  • Our Snowball's Rolling - We have sat down and worked out a plan that will begin to get our snowball rolling!
  • I Want Out! - You know, it is easier to get a divorce in Las Vegas than it is to get out of a timeshare contract

    March 19, 2007
    Your Money
  • Ten Reasons to Use a Cash-Only Spending Plan by April Borbon - You'll wonder why you ever fell into the credit trap
  • Work Sheet: Credit Card Inventory - Use this work sheet to quickly see how much you owe and your interest rates
  • Consumers and Credit Consequences - An interview with Robert Manning, an ardent consumer advocate who worries about America's love affair with plastic
  • Feds to Lenders: Drop 'Payment Shock' Loans - Stop giving risky mortgages to people who won't be able to afford the payments in two or three years, federal regulators are telling lenders
  • Paperless Checking is Coming - Most consumers don't get their paper checks back from banks, and some online banks are going totally paperless
  • Erasing Persistent Credit Report Stains - The law says old but accurate credit mistakes fall off your credit report after seven years. In reality, that often doesn't happen
  • Check Card Survey: Fees Are Gone, Rewards Keep Coming - Survey shows that check cards continue to be a good choice for consumers
  • Check Card Fee Study - See your bank's fees compare
  • Check Card Problems to Watch For - Overdrawing your checking account and daily usage limits are just a couple of the potential problems with check cards
  • Is It an ATM or a Check Card? - ATM card, debit card, check card: What's the difference?
  • 8 Tips for Using Check Cards - Here are the best practices for using a check card
  • One Woman's Challenge: Zap Credit Card Debt in 18 Months - High-interest credit card debt can be depressing. Find freedom by changing up priorities
  • Use Equity for Friend with Credit Card Debt? - The urge to help a close friend in financial need is natural, but using home equity to retire someone else's debt is a perilous move
  • Fame & Fortune - Actor-author Ron McLarty longed to be a known as a writer but struggled until Stephen King gave him the plug that launched his second career
    Your Family
  • Reducing the Cost of Summer Camp by Kara Haskins - Give your kids a memorable camp experience this summer
    Your Home
  • Checking Out a Potential Landlord - Finding out if it is someone you'll want to rent from
  • My Story: Shop at Home contributed by Carrie - Taking inventory of what you really have on hand
  • Window Treatments on the Cheap by Kathy Wilson - Quick, easy ideas for dressing your windows
  • The Hang Factor by Lisa Raymond - On the journey to a dryer-free home
  • Kitchen Remodeling and Your Budget by Gary Foreman - Redoing the most used room of your home
  • 10 Hottest Home Markets in 2006 - Bubble burst? LOL! These are the 10 U.S. metropolitan areas that gained the greatest percentage of value in 2006, according to the National Association of Realtors
  • '07 Real Estate Forecast for 30 Metro Areas - A look at forecasts for 30 metropolitan areas
  • Feds to Lenders: Drop 'Payment Shock' Loans - Stop giving risky mortgages to people who won't be able to afford the payments in two or three years, federal regulators are telling lenders
  • 2007 Guide to Real Estate - National trends are meaningful, but what's happening on your street in your neighborhood is all that matters to you this spring real estate season
  • Stable Mortgage Rates MAY Turn the Market Around - Mortgage interest rates are expected to remain relatively low throughout 2007, but it's not certain that will spark a full-fledged rebound of the real estate market this year
  • Home Sales Forecast Brighter in '07 - Most of the U.S. housing market is looking bright but some localized stormy areas dampen overall outlook
    Your Taxes
  • $2 Billion in Tax Refunds in IRS Till - If you never filed a 2003 return, an IRS check could still be yours ... if you hurry
  • Unclaimed Tax Refunds by State
  • For Some, a Traditional IRA Still Appeals - The granddaddy of retirement accounts helps some build tomorrow's nest egg while reducing today's taxes
  • Sending Form W-4 to IRS - The bottom line is the IRS is either tired of looking at these W-4s or it wants to relieve employers of the burden of submitting them
  • Accounting for Investment Income - Lower rates help ease the pain of sharing your investment earnings with the IRS. But you'll have to slog through more paperwork to get the better tax treatment
  • Yes, There Are Some Good Taxes - Some state and local levies can reduce your federal income tax bill
  • Claiming Foreign Parents as Dependents - By virtue of their green cards your parents are residents for income tax purposes even though they do not reside here
  • Claiming a Foreign Student as a Dependent - You cannot claim a person as a dependent unless...
  • Tax Software Doesn't Compute - If you can't get your software to offset your capital gains with your losses and customer support is no help, try another tax program
  • Figuring Investment Cost Basis - Don't pay the same tax twice. Here's how to figure the correct cost basis of investments you sold
    Everything Else
  • Arts on a Shoestring by Carole Wyatt - Culture without the cost
  • Can Feng Shui Improve Your Cash Flow? - Proponents say this ancient Chinese discipline enhances energy flow in your home. But can it also help make you more prosperous?
  • The Skeptics' Views on Feng Shui - Not everyone subscribes to feng shui principles, and even practitioners seem to be at odds about how to apply them
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • Travel Trailer Troubles - I had never bought a new vehicle, but I finally decided I deserved something special and started listening to those folks who are poor
  • Our Refrigerator Died - What did we do? We immediately went to Rent-A-Ripoff and starting paying obscene amounts on a refrigerator
  • Avoiding Tax Scams - Tax time is a time to watch your back, so you don't get ripped off by scams
  • My Interest Rate Skyrocketed - One small purchase with a credit card caused Ben's interest rate to skyrocket! Read his short story about the horrible credit card
  • Credit Cards Reek - $3,000 later, I finally woke up and said "when are we going to pay this off? At this rate, never! Something has to change!"
  • Dave's Attitude - I knew all the stuff he was saying, but his attitude was the kick in the pants that I needed

    March 12, 2007
    Your Money
  • Understanding Write-Offs and Foreclosures by Gary Foreman - Understanding what they mean to you and your finances
  • Celebrities Talk about Credit Cards - Stephen King, Sue Grafton and other best-selling authors show their real-people side by sharing their credit card experiences
  • Getting Student Loans after Bankruptcy - When you file for bankruptcy, you're still eligible for government student loans, but not for private loans
  • How to Collect Court Judgments - You've gone to court. You've won a judgment. Unfortunately, you're on your own to collect it. We tell you how
  • How to Collect Lawsuit Settlements - A settlement is easier to collect than a judgment, because the other party has agreed to pay. But there can be delays
  • Fame & Fortune - The creator and star of "Assume the Position" Robert Wuhl says he could have made far more money but he assumes this position in life: Avoid debt, avoid the poorhouse
  • Mobile Banking: Coming to a Cell Phone near You - Many of the national banks are rolling out account access via cell phone. Here's what you need to know before you sign up
  • Student Loan Forgiveness: Rare, but Possible - Student loan repayment is right behind death and taxes in terms of unavoidability. But there are a few small loopholes
  • Money Makeover: Drowning in Credit Cards with No Way Out - Wendy's paying her bills, but lives paycheck to paycheck. Meanwhile, card balances go up not down
  • 4 Types of Credit Cards - Find the best card for your lifestyle from low-interest to secured to reward to student
  • Free Financial Planning with No Strings Attached - Financial planners, who ordinarily may charge up to $150 an hour, make their services available to just about anyone. Here's how you can find one
  • Where to Find Free Financial Planning - These organizations plan seminars and events to bring financial planners to the public
  • Target Funds: A Solution for Busy Boomers - Do you find investing too time-consuming? The mutual fund industry has an answer: target-date funds. Just pick the year you want to retire, and it periodically reallocates the risk for you
  • Subprime Lenders Tighten Standards - If your credit is spotty, getting a mortgage has become tougher. Lenders are tightening standards for loans to the 15 percent of potential borrowers who have the worst credit
  • New Job, New House, New to Investing - A young college graduate with ambitious plans to invest should get an emergency fund before pouring every dime into investments
  • Downshifting in Life Alters Investment Choices - Changing to a less-stressful but lower-paying job will require saving hard and making some difficult retirement fund choices
  • Reducing Portfolio Risk before Retirement - As retirement nears, traditional advice says you need to reduce the risk of portfolio loss. But going too far leaves you open to the risk of purchasing-power loss from inflation
  • Rebuilding Credit after Bankruptcy - Get a secured credit card, keep your remaining loans current and save, save, save
    Your Family
  • Home Away from Home (Really!) by Christine Karpinski - Nine reasons to go the vacation rental route the next time you travel
    Your Home
  • Beat Energy Costs: Insulation by Janean Nusz - Reduce wasted energy and save money
  • Princess Room on a Pauper's Budget by Kathleen Wilson - Dress up your princess' digs for a fraction of the cost
  • Which to Pay Down: 1st or 2nd Mortgage? - If you want to make an extra payment, and there are no prepayment penalties to worry about, always pay down the loan with the highest interest rate first
  • Subprime Lenders Tighten Standards - If your credit is spotty, getting a mortgage has become tougher. Lenders are tightening standards for loans to the 15 percent of potential borrowers who have the worst credit
    Your Auto
  • Can I Replace an O2 Sensor? - Ask Bob: The Auto Answer Man
    Your Taxes
  • Let Uncle Sam Help with Child Care - If you paid someone to care for a dependent so you could work, a special tax credit could cut your IRS bill
  • Deducting Home Improvement Sales Tax Costs - It sounds like you qualify to add the sales tax for the building materials you purchased last year to the table amount for general purchases
  • Filing Your State Tax Returns - Most states collect income taxes, too. And most want them on the same date your federal return is due
  • Deducting Student Loan Interest - Interest you're paying on a loan to help attend university could also help cut your tax bill
  • An Easier Tax Way to Pay for School - Want help in paying $4,000 of your college costs? Then look no further than your tax return
  • Taxes on Rental Activity Losses - What makes real estate distinct from other activities is that it does not depreciate, but rather appreciates, and this is considered profit
  • Let Uncle Sam Help Pay for Your Move - Americans have always been mobile, and the tax code encourages that restlessness with a deduction for moving expenses
  • Noncustodial Dad Claims Child as Exemption - Regardless of your divorce decree, if your ex-wife did not sign Form 8332, you have no right to claim your child as a dependent
  • Bunch Your Tax Breaks - Do you always fall just short of enough expenses to itemize? Set up a deduction bunching strategy so you don't waste your tax-saving potential
  • Claiming Foreign Children as Dependents - To claim individuals, even children, as dependents, they have to be citizens or residents of the U.S.
    Everything Else
  • Turn Off Your Computer and Save $100 by Jeffrey Strain - Running your computer is pretty cheap, but...
  • My Story: Emergency Supplies on the "Thrift" contributed by Robin - Riding out the storm... and the aftermath
  • Home Hair Coloring - Avoiding the horror stories
  • When Is a Freebie Offer Really Free? - Rarely. Web sites offering free money or merchandise come with many strings attached
  • Real Experiences with Freebie Offers - Readers share their real-life experiences at attempts to procure free deals on the Web
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • I Couldn't Say No - "I have made many unwise money choices because of my inability to say NO! Here's the most memorable." Read Enid's story
  • I Paid a Lot for a Credit Report - Joan paid a good amount of cash because she didn't realize that she could get her annual credit report for FREE. Don't pay the same stupid tax!
  • Goodbye Joneses - Now debt-free and living free, Jonathan will never live like the Joneses again. Check out his debt-free story
  • Credit Card Debt - Whether you worry about credit card debt or not, you still need to get rid of it
  • We Consolidated 3 Times! - Think debt CONsolidation is good? Read this real-life story first
  • It's Wonderful to Be Debt Free - Six months after beginning Financial Peace University, we're completely out of debt! It is wonderful to be debt free. You can be debt free, too!
  • If It's Too Good To Be True... - it probably is. That's what Clyde had to learn the hard way. Don't fall for high-pressure sales pitches he did

    March 5, 2007
    Your Money
  • Sudden Wealth by A. B. Jacobs - 7 foolish mistakes people make when they come into money
  • Defensive Financing by Gary Foreman - Prepare for the unexpected now to avoid accidents later
  • Improve Your Credit Score - Unhappy with your credit score? Boost it by following these three steps
  • Nobody's Ready for Subprime Time - Desperate consumers often think they can get credit only via a subprime card. But secured cards are a better way to go
  • Foreclosures and Deficiency Judgments - States vary in how they treat refinancings after foreclosure, so be careful: You might accidentally reinstate a debt
  • Fame & Fortune - Phyllis Diller didn't even launch her comedy career until she reached the ripe old age of 37, but five short years later Fang's wife was headlining at Carnegie Hall
  • No Shame in Debt, Shame's Not Seeking Help - An interview with Susan C. Keating, president of the National Foundation of Credit Counseling, on consumers and credit cards
  • Investing Basics: Types of CDs - Certificates of deposit are a good way to save, and you have a variety of choices when buying one
  • Internet Scam Forecast for 2007 - Identities are bought and sold on the Internet every day. This year's no different. Here's what's coming and how to protect yourself
  • Fame and Fortune - Diana DeGarmo's stolen identity drama -- Just as this teenage star -- a runner-up in "American Idol" -- was tasting the rewards of financial success, her identity was stolen
  • When Debt Collectors Call About Your Child - There are rules the debt collectors must follow under federal law
  • MMAs, MMMFs: Know the Differences - Money market accounts and money market mutual funds sound alike, but are structured very differently
  • Effect of Prepaying Mortgage on Taxes - Your goal to be mortgage free isn't a nightmare
  • Currency Conversion Tools - Bankrate's currency converter lets readers see near-current rates on many common currencies
  • Understanding Series I Bond Rates - The variable-rate component changes every six months depending on when the bond was purchased
  • Refinancing a Piggyback Mortgage - It might make sense, depending on how long you intend to stay in your home
    Your Family
  • Bogged Down By Baby Gear? by Katie Bayless - Save money and space with products that multi-task
  • 10 College Financial Aid Pitfalls - Score more money for college by avoiding these missteps and listening to the experts
    Your Home
  • Choosing Compact Florescent Bulbs - Finding the right bulb for the right job
  • Organized Leftover Containers by Monica Resinger - Four easy steps to neater cupboards
  • Mortgage Fraud Flourishes in Down Markets - As long as the market stays in the doldrums, mortgage fraud will continue to thrive, financially damaging not only buyers, sellers and lenders, but even neighbors
  • Tips to Avoid Mortgage Fraud - Mortgage fraud is running rampant across the U.S., posing potential financial damage or ruin to homeowners and even the local community. Here are some tips to help you avoid it
  • Effect of Prepaying Mortgage on Taxes - Your goal to be mortgage free isn't a nightmare
  • Refinancing a Piggyback Mortgage - It might make sense, depending on how long you intend to stay in your home
    Your Career or Small Business
  • 6 Ways to Get Ahead in Your Career - Frustrated by your career momentum? Here are tips for boosting your career whether you stay put or head out on your own
    Your Auto
  • Guerrilla Car-Buying by Mark Hoerrner - Mount your assault on the car dealer!
    Your Taxes
  • Where's My Refund? - Still waiting for your IRS check? Before your mail carrier takes out a restraining order, try these tips for tracking down your tax cash
  • Is Funding a Nondeductible IRA Smart? - You can do a Roth IRA conversion in 2010 regardless of your income, so it may make sense to invest in a nondeductible IRA now
  • Claim the Adoption Tax Credit - This tax break can help pay some of the costs of your new family member
  • A Look at All the Capital Gains Rates - If you've been a patient investor, Uncle Sam gives you a break at tax time
  • Getting the Adoption Credit - You may be able to take a tax credit of up to $10,960 in 2006 for qualifying expenses paid to adopt an eligible child
  • Special Deduction Amounts for Some Filers - If you're older or visually impaired, a larger standard deduction is just a checkmark away
  • Deducting State Income Tax or Sales Tax - If you lived in two states last year, you cannot claim both income and sales tax; you have to choose one
  • Baffled by Barter Transactions - The IRS only considers bartering income to occur in commercial transactions, not in transactions between married or unmarried couples
  • Effect of Prepaying Mortgage on Taxes - Your goal to be mortgage free isn't a nightmare
    Everything Else
  • My Story: Living Simply contributed by Amy Vaughn - It just may pay off in times of need
  • 10 College Financial Aid Pitfalls - Score more money for college by avoiding these missteps and listening to the experts
  • Never Hurts to Ask for a Refund - No problem asking for a refund when prices drop below what she paid
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • If It's Too Good To Be True... - it probably is. That's what Clyde had to learn the hard way. Don't fall for high-pressure sales pitches he did
  • We Now Feel at Peace - Read more of Leisa's great story
  • TV Payments 4 Years Later - We thought we signed a contract for 36 months...at least that is what the nice salesman told us. After 4 years, we were still paying on that thing!
  • Our Vacation Was a Sales Pitch - "They would not let us leave until I got ugly with 3 sets of salespeople, including the 'Grand Dragon' of pushy salespeople"
  • Paying Extra on the House - Take a look at how much you can save in interest when you pay off the mortgage

    February 26, 2007
    Your Money
  • Get the Facts on Identity Theft by Walter Burch - And minimize your chances of becoming a victim
  • Credit Card Fee Increases by Gary Foreman - Managing credit is critical to financial well-being
  • Financial Planning Advice: 401(k) Rollover by James Lange - Information your financial planner may not tell you...
  • Barter Saves Cash by Deborah Jeanne Sergeant - Acquire what you otherwise couldn't afford
  • Credit Cards & You - For many people, the No.1 secret to financial success is taming credit card debt. We'll show you how
  • Fame & Fortune - Before Bob Greene launched his Colorado fitness spa and landed Oprah for his "best man," Greene made a fortune rehabbing foreclosures in Coconut Grove, FL
  • 4 Options for Debts in Collection - A 72-year-old with unpayable bills from open heart surgery had best act swiftly if she is to protect her Social Security income
  • Investing Basics: Certificates of Deposit - They earn more interest, but you need to lock up your money for a time
  • Pain Lingers from Credit Card Cash Advance - Taking a credit card cash advance subjects you to fees and higher rates, and you lose your grace period
  • Net Worth Work Sheet - Use this work sheet to determine your net worth
  • Emergency Fund Work Sheet - Use this work sheet to figure how much you should have in an emergency savings account
  • Create Your Family Budget - Use this worksheet to evaluate your income and expenses to build a budget that works for you
  • Talking Money to Your Mate - Couples often exhibit different money personalities, and sometimes keep secrets. The best policy is to be honest and informed about the family finances
  • Angling to Marry for Money? - If you're looking to catch a big fish, you can find out where they school by consulting an unlikely source: the IRS's Personal Wealth study
  • Using a Credit Line as an Emergency Fund - It may be feasible, but with closing costs and initial draw requirements, it's likely to cost too much to be practical
  • Canceling Department Store Credit Cards - It has the potential to slice a few points from your credit score, particularly if they're longstanding accounts
  • Banks Can Clear Checks in Any Order They Like - The law lets them set their own policies on check-clearing. One method can cause a big check to bounce, the other can cause a lot of small checks to bounce
    Your Family
  • My Story: Tricks of the Mom Trade contributed by Janet - A youthful grandma shares her secrets
  • Talking Money to Your Mate - Couples often exhibit different money personalities, and sometimes keep secrets. The best policy is to be honest and informed about the family finances
    Your Home
  • Cleaning Stained Walls - Will anything short of re-wallpapering solve her problem?
  • The Day the Lights Went Out in Seattle by Nikki Willhite - Are you prepared should an emergency occur?
  • The Dollar Store Shopper: Counter Culture by Marlene Alexander - What's on your counter-top?
  • Cooling Housing Market - Many U.S. cities experienced housing price declines in the fourth quarter. How did your home fare?
  • Will Green Roofs Be the Next Hot Trend? - Aside from their aesthetic appeal, green roofs reduce urban heat, act as insulation and more. Some commercial buildings have embraced them, but homeowners are still an untapped market
  • Changed Appraisal Wipes Out Equity - If your home has gained in value, the old appraisal won't matter
    Your Career or Small Business
  • Yesterday by Bob Osgoodby - Learning from your past can help your future
  • Should You Be Getting Overtime? - Hourly or salaried, if you've been putting in more than 40 hours per week, you may be due time-and-a-half. But many employees and employers don't know the rules
    Your Taxes
  • Make Your Hobby Pay for Itself - If you find your hobby is regularly making money, it might be to your tax advantage to turn the sideline into a business
  • Self-Charging of Interest on Equity Loan - There should be no self-charging of interest on the loan as there is no separate tax entity involved
  • Some Social Security May Be Taxable - Don't let your retirement be spoiled by unexpected taxes. Know the rules on just what benefits are taxable
  • Purchases Could Provide a Tax Advantage - Did you buy a lot of stuff last year? Your sales taxes now might help reduce your income tax bill
  • Stolen Jewelry a Tax Deduction - The IRS could deny the deduction, arguing that your grandson took your jewelry because he knew you wouldn't do anything about it
  • Alimony Payment Tax Implications - When the end of matrimony leads to the start of alimony, each parting partner can feel the tax effects
  • Taxability of State Income Tax Refund - You may be taxed on your state income tax refund from the previous year if you deducted state taxes on your federal return
  • Filing Jointly vs. Filing Separately - As a married couple, you probably share almost everything. But is that such a good idea when it comes to filing taxes?
  • How to Claim Sales Tax Deduction - Congress was extended some tax breaks late in the year, but by then IRS had already issued its 2006 tax forms
    Everything Else
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • No Long Weighed Down by Payments - Now with the credit cards and car payments gone, I can already see the wealth building in addition to the emergency fund
  • My Season of Stupidity - Facing a life of Alpo provided a wake-up and motivating fear to eliminate $146K debt since Oct. 2004
  • Our 3 Stupid Taxes - Three stupid taxes equal a grand total of disgusting!
  • The Debt That Wouldn't Go Away - In a fleeting moment of weakness, I decided to blow the money rather than clear my credit card debt
  • The Importance of Insurance - Having the right insurance, as well as the right amount of it, is a sound part of any financial plan
  • Unexpected Flat Tire - None of us really expect to get a flat tire, do we? No, but remember life happens when you least expect it sometimes. Read Lori's story

    February 19, 2007
    Your Money
  • How to Easily Organize Your Bills by Joey Shanley - Easy-to-follow ideas to organize your bills and your life
  • Meet the Woman Who Signs Your Money - The 42nd treasurer of the United States, Anna Escobedo Cabral, has made financial literacy a key component of her mission
  • Fame & Fortune - Despite his success with "Kids in the Hall" and "Saturday Night Live," comedian Mark McKinney admits he still has no grasp of the business end of the business
  • Are Love and Money like Oil and Water? - Money issues can cause tension in even the most harmonious relationships
  • Investing Basics: Money Market Funds - Money market funds usually pay more than money market accounts, but aren't FDIC insured
  • Helping In-Laws Out of Credit Card Debt - Helping is fine, but your relatives have to embrace the get-out-of-debt plan and make it theirs, not yours
  • Secrets for Creating a Budget - What good is a budget if you can't live with it? Follow these seven steps to build a budget for your lifestyle
  • Immediate Annuities: Do-It-Yourself Pensions - You're not getting a traditional pension? You can always purchase a reasonable facsimile, but there are trade-offs
  • Rating and Buying Annuities - Before you can make a sound purchasing decision, you need to check out the ratings and get quotes from several annuity providers
  • 6 Budget Bombs - Your best intentions for wise saving and spending are easily sabotaged by any of these budget blunders
  • Money Makeover: Single Mom's Dilemma - This single mom is doing a good job managing debt but she's missing a couple of essential steps that could spell trouble for her finances
  • Buying Extra Time for Your Pension - Many government jobs, and some private ones, allow you to buy extra years to build up your pension. It's not cheap. But is it a good idea?
  • How to Maximize FDIC-Insured Savings - A dubious Web site offering high-yield certificates provides the opportunity to explain how to find secure, insured investments
  • Dismay Over Disputed Late Payment - You have to prove the information is inaccurate
  • Will Being Inactive Hurt My Credit Score? - With your credit history, it shouldn't do any harm
  • Investing for the Short Term - Don't try to hit a home run with such a short investment horizon
  • Reporting Forgiven Debt as Taxable Income - There's a tax distinction between debt that has been discharged by bankruptcy and debt that has been merely forgiven, not discharged
    Your Family
  • Adventures in Home Hairdressing by Rachel Muller - Is it possible to get a good haircut at home?
  • My Story: Mystery Shopping contributed by Lori - This mom makes a steady income shopping
  • Are Love and Money like Oil and Water? - Money issues can cause tension in even the most harmonious relationships
    Your Home
  • Antiques for Frugal Home Decorators by Kathy Wilson - Favorite frugal antique buys
  • Take Your Home Equity and Run - Many people are selling their homes and moving to less-expensive regions of the United States. Here's what they're doing and how they're doing it
  • Buying New Home Before Old Home Sells - A refinance so soon would mean big closing costs
  • Prepaying Mortgage Not a No-Brainer - You aren't considering what the money you prepaid could have earned
    Your Auto
  • Taking Over Payments - What you need to know before taking on another's ride and payments
  • Seriously Upside-Down by Gary Foreman - Staying right-side-up in your auto loan
  • Frozen Van Doors Ask Bob: The Auto Answer Man - The locks move, but the sliding doors don't
    Your Taxes
  • Figuring the Sales Tax Deduction - A year-end credit card summary is convincing evidence of the amount of sales tax that you paid
  • Taxpayers Abroad Can Limit U.S. Taxes - Shorten Uncle Sam's global tax reach by claiming the foreign income exclusion
  • A Tax Break Apple for Teachers - Keep track of what you paid for classroom supplies. The IRS says you can deduct $250 without itemizing
  • Cut Your Taxes Without Itemizing - You don't have to itemize to cut your tax bill. You might be able to claim some of these 12-plus deductions found right on the long 1040 form
  • Claiming Significant Other as a Dependent - If he claims you as a dependent, your boyfriend won't be obligated to pay your unpaid taxes
  • Job-Hunting Tax Breaks - Tired of your job? Then get out there and look for a new one! Your search might even help cut your tax bill
  • College Student a Dependent - No matter what she earns, your college-student daughter can still be your dependent if she meets certain criteria
  • Don't Dump that Old Car, Donate It - Even with tighter donation rules, that jalopy might be a valuable tax deduction
  • Selling Property with Home Office Deduction - The downside to claiming home office deductions is that it makes part of the gain on the sale of your home taxable
  • Reporting Forgiven Debt as Taxable Income - There's a tax distinction between debt that has been discharged by bankruptcy and debt that has been merely forgiven, not discharged
    Everything Else
  • Thinning Yields Life's Choicest Fruits by Phyllis Edgerly Ring - Sometimes you need to know when to say 'no'
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • I Will Never Finance Another Car - "We realized that we ended up paying almost $5,000 over the price of the car!" Don't let this happen to you!
  • We Are 100% Debt Free - On 1.29.2007, we made the final payment on our $118,000 mortgage and are totally debt-free
  • Kids and Cash - Read about the right way to teach your children about how to handle money
  • Our Last Annual Fee - You will get charged annual fees like Chris if your credit card account is not cancelled. Don't pay this stupid tax!
  • I Wasted a Ton of Money on Junk - If I had invested that money that I wasted, I would have retired with over $2 million
  • We're Paying Cash for a House - A group of local dignitaries and fellow attorneys struck dumb by the idea of 2 people paying cash for a house in their neighborhood

    February 12, 2007
    Your Money
  • Is Uncle Sam Using Your Money? by Damon Carr - Can you call it a "rapid refund" when it's 365 days late?
  • Saving $20K as a 20 Something by Alyssa Kagel - Many small steps lead to a big result
  • Credit is Serious Business by Walter Burch - Know how to improve your credit score
  • My Story: Just Start contributed by Kim - No better time than the present to start your savings plan
  • Credit Cards Come to Vending Machines by Nancy Castleman, CardRatings.com Consumer Reporter - Students and all consumers beware
  • High-Yield Savings Accounts Raking in the Customers - Competition for depositors is driving banks to offer higher yields for online savings account
  • Why Live on a Budget? - Discover how evaluating your spending and saving habits can make a difference in your life
  • Don't Give Up on Chapter 13 Payments - There are several ways to seek relief, but whatever you do, keep current on the Chapter 13 payments
  • Private College Loans Gain Popularity - The business of private lenders is booming, but critics say their loans cost too much, and students are getting in trouble
  • Shopping for the Best Private Loans - Students really need to do their homework before signing onto a private loan
  • Investing Basics: Money Market Accounts - Money market accounts are liquid, souped-up savings accounts
  • Tough Love When Grown Kids Ask for Money - For openers, first make sure you don't need the cash for your own retirement
  • Bankrate's Financial Literacy Guide - Each month, we'll take an in-depth look at a single topic important to learning about money. This month's topic: budgeting
  • Poll: What Americans Say about Budgeting - Bankrate polled the nation to find how many of us make a budget and what percentage of us really follow it
  • Even Famous Folks Budget - Celebrities, including Dave Barry and Alice Cooper, share what they learned about budgeting back when money was hard to come by
  • Poll: We Set and Follow Budgets. Yeah, right - Most Americans say it's important to have a personal budget. They say they stick to their budgets. But experts think that's just wishful thinking
  • Money Makeover: Single Mom's Dilemma - This single mom is doing a good job managing debt but she's missing a couple of essential steps that could spell trouble for her finances
  • 6 Budget Bombs - Your best intentions for wise saving and spending are easily sabotaged by any of these budget blunders
  • Budgeting Tools and Tips - Worksheets, calculators and loads of tips for making your own budget and living with it
  • How to Get Rich - Young folks have a leg up on older generations when it comes to building wealth. But they will likely have to give up something
  • Seeking Best Way to Invest Savings - First you must decide what you want to use the money for
  • Is the Down Payment Too Big? - That mostly depends on how conservative an investor you are
  • Authorized User May Not Be the Answer - They would be better off to solve the problem on their own
  • Car Loan Alone Isn't Causing Debt Problems - Choosing between car repossession and bankruptcy is like choosing between a black eye and a broken nose
  • Monthly Financial Calendar Work Sheet - Use this work sheet to map out all your expenses each month
  • Translating the FOMC Statement - What the members of the FOMC are saying about the economy in their Fed statement
    Your Family
  • Single, Expectant Mom by Gary Foreman - With a baby on the way she needs to plan for her future
  • Save In Your Sleep! by Jill Cooper - Get serious about your family's sleep habits
  • The Dollar Store Shopper: Creature Comforts by Marlene Alexander - Make your pet happy
  • Allowances: How Soon and How Much? - Most financial experts agree that children should be given an allowance in order to learn financial skills at an early age. But how early, and how much?
  • Tough Love When Grown Kids Ask for Money - For openers, first make sure you don't need the cash for your own retirement
  • Paying for College: Best Strategies for the Year Ahead - New rules, financial aid programs and other changes mean it's time to revamp how you'll pay for college
    Your Home
  • Study: Paying Points Seldom Worth It - Home buyers often buy down their interest rate. But a long-term study shows that in recent years, that's been a losing strategy
  • Refinance or Extend ARM Rate? - You should also consider if you can drop your PMI payments
    Your Food
  • Saving On Organic Foods - Recent trips to the grocery store were an expensive shock
    Your Auto
  • Car Loan Alone Isn't Causing Debt Problems - Choosing between car repossession and bankruptcy is like choosing between a black eye and a broken nose
    Your Taxes
  • Back Taxes on Discharged Debt - Most folks ordinarily don't have to pay income tax on cancelled debt
  • Win Your Office Super Bowl Pool? - Uncle Sam wants to know since he gets a cut of your gambling winnings. Here are the forms you need to report your good luck
  • Safe Bet: IRS Won't Get Gambling Winnings - The law says you're supposed to share with Uncle Sam if you make a successful wager on the Super Bowl. The odds say you won't
  • Depreciation Deductions not Optional - When you sell a property, the allowable depreciation that was not claimed is taxed at a higher tax rate
  • Getting a Phone Tax Refund - You're not getting your money back from 1898, but you will get back the tax paid after February 2003
  • Alternative Minimum Tax Land Mines - If you have lots of exemptions or claim several deductions, you may face this costly additional assessment
  • Don't Give Uncle Sam Early Access to Cash - Did you just discover you're getting a big tax refund? Then you need to adjust your withholding
  • Making the Most of a Capital Loss - The general rule is that a loss in a transaction entered into for profit is deductible
    Everything Else
  • Be Smart about Buying Jewelry Online - Following these five steps will help you make the best purchase
  • Online Jewelry-Buying Deadlines - If you want your bauble in time for Valentine's Day, you have to order by these dates
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • One of the Worst Vacations Ever - This "free" vacation cost us about $2,000 and ranks near the top of the list of all-time worst vacations ever
  • Doing the Small Things - More often than not, doing the small things in your daily life can keep you from big overspending
  • Smoke Detector Scam - "Don't be a sucker like me. Nothing that's free is REALLY free." Check out what happened to Jeff
  • A Blessing In Disguise - "If it weren't for my 'financial mastery', we would have gone through our marriage like most couples with no financial goals..."
  • Celebrating in Luxury - This couple lived like no one else so later they could live like no one else. Now they are celebrating in luxury!

    February 5, 2007
    Special College Financing Section
  • College Financing Timeline - If you haven't started already, the beginning of the senior year of high school is a critical place to get serious about finding money for college
  • Interactive: College Financial Aid Calculator - This Bankrate calculator is based on the widely used federal formula for calculating need and will give you a good sense of what state and private schools will expect you to contribute
  • What's New for College Financing: A Look Ahead - The specter of student debt hovers over 2007, but the news isn't all bad
  • College Savings Choices - You have several choices to pick from
    Your Money
  • Paying Off Holiday Bills by Gary Foreman - The average consumer rang up $626 in credit card charges
  • Be Wary of High-Yield Internet Offers - When a Web site offers an investment with a higher yield than any other, it pays to check it out carefully
  • Don't Blab Too Much to Bill Collectors - Giving too much information, such as a bank account number, allows the collectors to drain your account
  • Fame & Fortune - 'Chiefs' author Stuart Woods' career soared with TV miniseries and sails on with five best-selling book series
  • Medical Debt Brings on Bankruptcy - Many consumers are running up credit card bills trying to pay for their health care
  • Investing Basics: Savings Accounts - Passbook or statement savings accounts are safe but don't pay much
  • How Checking Has Changed Since Check 21 - The two-year-old federal law allows banks to convert paper into digits, making things easier and cheaper for banks, but not for consumers
  • How Money Leaves Your Checking Account - A short look at the various ways money comes out of your checking account
  • Be Careful Shifting into Automatic Bill Pay - It's convenient, but it can cause problems if you're not careful
  • Big Debt Limits Credit Card Choices - You won't get offers for low-interest balance transfers once you run up a $35,000 debt
  • Stick with the I Bonds - You won't gain much if anything switching to a money market account
  • Investing While Retired - You should start by getting a fee-based financial planner
  • How Mutual Fund Distributions Work - Federal regulations require the distribution of most income and capital gains
  • 401(k) Funds Protected by Law - Federal regulations should keep your investment safe
  • A Ratio as Important as Your Credit Score - The debt-to-income ratio is an easy-to-calculate number tells a lot about your financial well-being and you don't have to pay to get it
    Your Family
  • Cost-Conscious Cupid by Deborah Jeanne Sergeant - Woo your sweetie with these ideas that cost less than $10 apiece
    Your Home
  • Furniture Buying Tips by Jennifer Litwin - 9 ways to buy furniture for less
  • Cheap Bathroom Fix Ups for Any Family by Kathy Wilson - Give your hardest working room a makeover
  • 50-Year Mortgages: Low Payments, Low Equity - They're not much different from an interest-only loan and therefore not a good idea for many home buyers
    Your Food
  • Meal Making Begins with Basic Skills by The Dinner Diva, Leanne Ely - The basic skills needed to succeed in the kitchen
    Your Auto
  • Eliminating Odors in Your Car - How to get rid of all the dealers fragrances
  • No Heat Ask Bob: The Auto Answer Man - A number of things could be preventing his van from getting warm
  • Extending Your Car's Life and Your Investment - Performing routine maintenance as your car ages can keep it running well past 100,000 miles
    Your Taxes
  • Getting Financial Account Tax Info - Still waiting on 1099 forms so you can file your return? Here's how to do your taxes without the actual statements
  • Structure as an LLC or S Corporation? - The general rule is that an operating business should be a corporation
  • Getting a Replacement W-2 - If your wage statement gets waylaid, here's a substitute the IRS will accept
  • Get Your Long-Distance Phone Tax Refund - An excise tax that's been around since the Spanish American War is finally history. Taxpayers can get a refund when they file this year
  • Deducting Education Expenses in Germany - The rules would be subject to abuse if tuition paid to any school in the world were eligible
  • Don't Let Your Tax Break Get Washed Away - Did you sell a loser stock that's now rebounding? Before you buy it back, make sure you don't violate the wash sale rules
  • Claiming Income of Dependents - A child's income is his or her own, and is not the income of the person who claims the child as a dependent
  • Good news! Not Everything Is Taxed - Uncle Sam wants a bite of most of your income, but there are instances where your money is taxed only partially or not at all
  • Late Claiming Depreciation Deductions - You can't claim the depreciation for tax years 2000 and 2001 due to the statute of limitations, but you can still amend your returns for 2002 to 2005
    Everything Else
  • My Story: Convenience & Culture contributed by Mary from WA - Stop buying into "popular culture" and do what is right for you
  • Readers' Tips
  • That's Outrageous
    From Dave Ramsey
  • A Blind Business Decision - Instead of checking into the business on the front end, Patti's sister bought a business and really paid for it later!
  • Payday Loans Don't Pay - You'll be shocked at how much you actually pay at a payday loan store
  • We Became Debt Free a Week Ago - "With God's help, we knocked out our last payment on January 15!"
  • The $35 Cheeseburger - Who knew a cheeseburger could be so expensive! Just ask Marty
  • Out of Debt & Excited to Share - In less than a year, Michael and Shannon have made great progress - they're out of debt and excited to share FPU with others!

    January 29, 2007
    Your Money
  • Debt and Finding Employment - Can bad credit keep you from getting a job?
  • Be Credit Smart by Walter Burch - Take a moment to learn the basics
  • Hiding Debts from Hubby by Gary Foreman - Her husband doesn't know about the credit card debts
  • Does Money Make You Mean? - A recent study indicates that money-minded folks are more indifferent and tend to be socially clueless
  • Home Equity Loan or Line? 5 Questions - The choice is seldom black and white between a home equity loan and a line of credit (HELOC). But these questions will help you decide
  • How to Settle with a Debt Collector - First, realize that ignoring it won't make it go away
  • Before Your Debt Goes to a Collector - Experts advise that you be proactive, not reactive
  • Investing Basics: What Affects Interest Rates - It's a good idea to know what makes the rates go up and down
  • Fame & Fortune - The soft-spoken comedian-dancer-writer-actress Rita Rudner spends her money on homes and "lives in" her money
  • Best Moves for Credit Card Users in 2007 - Paying them off is, for sure, the best thing you can