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 do with
credit cards, but in addition to the obvious, here are some
other good moves to make
Collectible Autographs are Worth a Lot -
A signature collection has great value, and so do fakes -- to
proficient forgers. The experts share caveats as well as how
to assess an autograph's investment potential
When His Credit's Good, Hers Isn't -
If you want to use her income to qualify for a loan, you'll
need to include her credit score
You Can't Borrow from an IRA -
Doesn't matter if it's traditional or Roth. You can't borrow
from it
Paying Off Mortgage Versus Taxable Investments -
It depends how your investment return compares with the
mortgage
Gifting Savings Bonds for Children -
You can buy them in the kids' names and keep them
6 Maxed-Out Credit Cards. Help! -
Wake up and smell the plastic: You've got to live within your
means
Your Family
The Most Wonderful Time of the Year
by Deborah Jeanne Sergeant -
Do a little Christmas shopping each month
Cheap Movie Thrills
by Joanne Coley -
Overlooked discounts to slash movie ticket prices
My Story: Valentine's Day
contributed by Lisa -
Valentine surprises under $10 and 10 minutes
Gifting Savings Bonds for Children -
You can buy them in the kids' names and keep them
Your Home
Save Money and the Environment
by Amy Robleski -
There are ways to save the environment without spending a lot
of cash up front
What to Do with 2/28 Mortgage -
These mortgages are usually a sign of credit problems
Paying Off Mortgage Versus Taxable Investments -
It depends how your investment return compares with the
mortgage
Secrets to Simultaneous Real Estate Closings -
It's a normal situation: close on both a home sale and a
purchase the same day. But it's fraught with peril
Your Auto
Some Autos Can Save More Than Gas -
If your timing is right, a vehicle that runs on alternative
fuel could provide big tax breaks
New Car Models Coming, Industry Shifting -
There will be an abundance of new names in auto showrooms in
2007, but pricing and financing will remain at the mercy of
gas prices
Your Taxes
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
Adoption Credit Can Offset IRA Conversion -
In order to increase your tax liability, you can include in
income an IRA conversion to a Roth IRA
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
Excess Roth IRA Contribution -
An excess contribution results in a 6 percent excise tax for
each year that the excess contribution exists
Special Deduction Amounts for Some Filers -
If you're older or visually impaired, a larger standard
deduction is just a checkmark away
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!
Injured Spouse Seeks Relief -
To prevent your part of the tax refund from being confiscated,
you have to file a special injured spouse relief form that
allows the IRS to split the refund
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
Too Late for IRA Conversion -
In order to have made a conversion from traditional IRA funds
to a Roth for the 2006 tax year, you should have gotten the
ball rolling before the end of 2006
Some Autos Can Save More Than Gas -
If your timing is right, a vehicle that runs on alternative
fuel could provide big tax breaks
Everything Else
Exercise on the Job
by Sherry Ballou Hanson -
Taking free moments to tone and shape your body
How to Succeed at Collecting Autographs -
Protect your investment by getting the John Hancock yourself
or hiring an expert to authenticate the signature
Do You Need Long-Term Care Insurance? -
Government regulators are trying to get consumers to purchase
it, but boomers aren't buying it
Top 10 Reasons Not to Insure Your Cell Phone -
Well over 50 million people pay to insure their cell phones.
They think they're protecting an investment but they're
usually wasting their money
Kids Gone? 20 Tips to Save on Insurance -
An empty nest could mean lower costs for health, auto and home
insurance
Readers' Tips
That's Outrageous
From Dave Ramsey
I Got Ripped Off -
While in the market for a new vacuum, April fell for a scam
from a stranger. Don't make the same mistake!
All for a 2 Cent Stamp -
"My utility bill had come, so I put it aside. I didn't want to
put two $.27 stamps on it - and waste money." Read more of
Susan's mistake
Get Work by Networking -
Want ads and employment agencies aren't the best way to find a
job; networking is
The Big Weight of Debt Is Gone -
"I am a stay-at-home mom and I can't tell you what a weight
off of our shoulders this is." Read more of Dawn's story
I Lost $5,000 -
Ted got caught up in a scam! Learn from his mistake
We Can Live Differently -
"With Dave's plan and God's help, we don't have to live that
way anymore!" Check out Christy's story
January 22, 2007
Your Money
My Story: Marriage and Money
contributed by K.J.D. -
Keeping the peace on the road to financial recovery
Clearing a Bankruptcy from Credit Record -
Ten long years have passed since your bankruptcy, and it's time to clear that black mark from your credit report. Here's how
Fame & Fortune -
Rocket scientist turned romance novelist Eric Jerome Dickey keeps his investments down to earth
Develop a Savings Plan -
It's a lesson we forget too often as we become adults
On the Plastic Horizon in 2007 -
New uses for prepaid cards, contactless payments and exclusive credit card rewards programs will be promoted in the coming year
You Co-Signed, Your Friend Defaulted, Now What? -
Since you co-signed for the car loan, you've got to choose among some bad options
Building a Credit History when You're Young -
You might become an authorized user on your dad's credit card
When the Bank Doesn't Say No -
It's your son's responsibility to keep track of his bank balance
Check if Card Has Grace Period -
If you're paying your balance on time, you shouldn't have finance charges
Your Family
If Something Happens to You
by Michael L. O'Brien -
Taking steps to put your legal and financial affairs on autopilot
My Story: Marriage and Money
contributed by K.J.D. -
Keeping the peace on the road to financial recovery
My Story: Kids' Clothing
contributed by Evelyn -
Ways to stretch that clothing budget
Your Home
Decorate Your Kitchen with Style! (But Not Cash!)
by Kathy Wilson -
Transform your most used room into one you'd be proud to show off!
Keep the Mortgage or Pay Off the House? -
Should you use your nest egg to pay off the mortgage or keep the tax deduction? Some eye-opening math to help you with retirement questions
13 Tips for Selling Your Home in Winter -
When the snow is swirling and would-be buyers are scarce, a few extra steps could make a difference
FAQs on Mortgage Strategies for 2007 -
Here are some commonly asked questions that may help you decide which mortgage strategies you might consider in 2007
Buy Home Now or Save for Later? -
With rising house prices, it might be better to buy now
Your Career or Small Business
Feeling Comfortable
by Bob Osgoodby -
Why are potential customers leaving your e-store without placing an order?
Your Food
Supermarket Savings -
Checking your shopping receipts can win you back some cash
Your Auto
Time for a New Car? -
How can you determine that it's time to give up on your old ride?
Engine Warm Up
Ask Bob: The Auto Answer Man -
Should he rev up the engine during warm up?
Driving for Dollars -
Car expert Terry Jackson says it's usually better to provide little information aside from price and phone number on 'for sale' signs
Your Taxes
Free Filing In, Refund Loans Out -
The option to file tax returns at no cost is back for taxpayers that meet income limits, but the IRS says related product pitches are out this year
Deducting Mortgage Loan Points -
Don't overlook the points you paid to get a lower mortgage rate. They can be a useful tax break
What Are Your Tax E-Paying Options? -
The IRS would like you to pay electronically. Here's a look at Uncle Sam's e-payment options
Electronic Tax-Filing Options -
The IRS begins accepting e-filed returns today. If you want to send your 1040 electronically, here are the various choices
For Some Taxpayers, 2006 Is Not Quite Over -
The new year is here, but if you pay estimated taxes, you face a 2006 tax deadline in January
Selecting a Tax Software Program -
Filling out your return on your computer can be quick and easy as long as you get a software program that fits your tax needs
Contributing to Spouse's IRA -
Since you're married and filing jointly, your spouse's wages are considered part of yours. You can use his wages to contribute to your separate IRAs
10 New Tax Laws You Need to Know -
Lawmakers were busy in 2006, so be sure to check out these tax code changes. They might save you some money
Old Tax Laws, New Amounts -
These five adjustments to existing tax laws also could affect your tax bill
Getting Full Tax Credit for Your Kids -
Thanks to the child and additional child credits, your young family members can be a tax benefit
Everything Else
Why Buy it New When You Can Buy it Used?
by John L. White -
Would you pay twice as much for the same thing?
Readers' Tips
That's Outrageous
From Dave Ramsey
I Wasted $17,000 -
For the past 14 years I have had an addiction that I just could not overcome: cigarette smoking
We're No Longer Diluting Our Efforts -
We're finally getting out of debt!
I Didn't Check My Auto Insurance -
I couldn't believe I was going to pay $200 per week, out of pocket, for a rental car
Feeling Free and Paying Cash -
We currently have a 3-month emergency fund saved up and are loving the financial peace we are experiencing
Being Well-Rounded -
It's good to set goals, but making yourself a well-rounded person is even better
January 15, 2007
Your Money
Christmas Club Accounts
by Jeffrey Strain -
Don't put another holiday season on your credit card!
401k Loan vs. Second Mortgage
by Gary Foreman -
Does it make sense to pay off a 401k loan with a second mortgage?
6 Questions to Ask Charities before Donating
courtesy of Charity Navigator, www.charitynavigator.org -
Give with confidence
Educating Teens about Credit -
Parents have many options, from debit cards and prepaid cards to secured credit cards and making their child an authorized user. Which is best?
Fame & Fortune -
The Emmy-award winning former "20/20" producer Danny Schechter says credit cards and consumer debt are the building blocks of an economic house of cards. And it's headed for a fall
Deep in Debt Again 6 Years after Bankruptcy -
An overly generous parent must face the facts: His kids will have to pay for their own cars and insurance
Investing Basics: Know Your IRAs -
Your retirement nest egg builds a lot faster if you use an IRA to put off paying taxes until you retire. There are several types, and you should know the differences
2007 Home Equity Rates: Anyone's Guess -
Will rates on HELOCs and home equity loans go up, down or remain about the same in 2007? It's possible that they'll do all three at various times of the year
One Year Later... -
Scott and his wife have paid off a lot of debt and are on a budget that really works. Read more of their story
Company Credit Card Reimbursement Games -
Transferring a $75,000 company credit card debt to a personal zero percent card and then investing the reimbursement is a dangerous game
Our Change In Attitude -
We've changed our attitudes, paid the piper, and we are now committed to EARNING interest, not paying it!
I Got Stuck With the Bill -
Just because someone is your best friend doesn't mean he or she will pay part of the bill. Read what happened to James
Investing With Credit Cards -
Only invest with your money, not borrowed money from credit cards! Learn from Donny's stupid tax story
It Sure Did Pay Off! -
It felt so good to cross out each bill that we paid off...It was hard at first, but it sure did pay off!" Read more of Sofia's
Dealing with Old Debts -
An agency can't sue when the statute of limitations has passed
Using CD to Secure a Loan -
It is one way to build up your credit rating
Buy or Rent in New Locale? -
Check prices and reinvest your capital gains
Little Advantage to Bimonthly Mortgage Payments -
The savings comes from additional principal payments
Credit Card Offers Don't Hurt Credit Score -
It only shows up if you accept the offer
We Eliminated $40k in Debts -
Even a temporary job setback did not stop Dennis and Jamie from becoming debt free
Your Family
Advice from the Trenches of New Motherhood
by Rachel Muller -
Coping strategies for new mommies
Educating Teens about Credit -
Parents have many options, from debit cards and prepaid cards to secured credit cards and making their child an authorized user. Which is best?
ID Thieves Target New Victims: Children -
By obtaining the Social Security number given to most children at birth, thieves can build new identities that they can use for years
7 Steps to Protect Children from Identity Theft -
Guard their information and be wary of credit offers
Your Home
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
Buy or Rent in New Locale? -
Check prices and reinvest your capital gains
Little Advantage to Bimonthly Mortgage Payments -
The savings comes from additional principal payments
Your Career or Small Business
Book Review: "Multiple Streams of Income" by Robert G. Allen (2d ed.)
contributed by Cathy Tanaka -
What can you learn about MLM before investing your time and money?
Mike's Business Blunder -
With willingness to risk and having really good credit, Mike started businesses instead of paying off debt and ended up paying back much more than planned
Your Food
Green Vegetable Bags -
Is there a less expensive alternative?
Meals in 30 Minutes or Less
by Jill Cooper -
Put a delicious, home cooked meal on in less time
Your Taxes
Figuring Out Your Tax Filing Status -
Picking how to file isn't as easy as it appears. There are five filing statuses, each with special requirements and advantages
Excluding Capital Gains on Two Homes -
Although you may satisfy the ownership and use tests with two homes, you can only exclude gain from one home every two years
Ill-Fitting Forms Could Mean Slow Refunds -
Late enactment of some tax deductions will produce filing complications and delayed refunds. Here's what you can do
Section 179 and My New Ford F-250 -
The law still favors the purchase of disproportionately large vehicles when it comes to depreciation deductions
Choosing Your Tax Return Form -
The 1040, 1040A and 1040EZ each offer taxpayers different filing options. Which is right for you?
Who Has to File a Tax Return? -
Not everybody has to submit a 1040. Just what are the rules?
Widow Wants Late Husband's FICA Contributions -
Unfortunately there is no refund of the taxes paid
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
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
Craziest Tax Write-Offs You've Ever Heard Of -
Have you heard the one about the $300 breast pump? The male model? The pimped-out Amish buggy? CPAs across the country share tales of madcap deductions that taxpayers boldly try to take
Everything Else
Shopping Online
by Jacquelyn Lynn -
Find the lowest price for whatever it is you want
Medical Identity Theft Can Kill You -
Incorrect information can mean dangerous treatments or misdiagnosis
Update Your Insurance Coverage -
The beginning of the year is a good time to get your annual insurance checkup to make sure you are paying for the kind of coverage you need
Keeping That Resolution -
Many people make New Year's resolutions, but few stick to them. Here's the key
We Changed Our Insurance Coverage -
After over-paying for life insurance, Ryan and his wife changed it and got a surprise call afterward from their rep
Many Factors Impede '07 Insurance Rate Drops -
Despite a quiet 2006 for insurance claims, industry experts say any of a number of scenarios could trigger a dreaded blockbuster year with $100 million or more in claims
Resolutions Schmezolutions -
Drop the heavy, four-syllable word from your vocabulary and adopt an easy monosyllabic one: goals
Readers' Tips
That's Outrageous
January 8, 2007
Your Money
False Economies
by Barbara J. Sloan -
Weed them out for a more frugal and satisfying life
Top Five List of Worst Credit Card Gotchas
by Walter Burch -
Watch for common "traps" in the card industry
A Quick Look at Retirement Accounts -
A review of the pros and cons of the various types of accounts
Fame & Fortune -
The best-selling writer Clive Cussler blurs the line between fact and fiction but he's never wavered on his life's passion: hot rod cars
Save More, Spend Less in '07 -
Here are six ways to bulk up your savings and cut out the fat in your budget in 2007
Don't Refinance into Negative Amortization Loan -
You won't make enough in a money market account to compensate
Bank Accounts not on Credit Report -
Closing an account won't affect your credit score
Does CD Ladder Make Sense These Days? -
The problem is predicting what interest rates will do next
Your Home
Fighting the Utility Company -
Finding tools to help you win your battle
The Great Papers Debate
by Jim Lange -
Which ones should you keep and for how long?
Beat Energy Costs: Lighting
by Janean Nusz -
Simple adjustments that will save you money
Top 5 Ways to Dress Your Windows on a Budget
by Kathy Wilson -
Stretch your window treatment budget
Extras Make Home Payments Climb -
Insurance, condo fees and taxes all add to your monthly costs
Your Food
My Story: Who You Know at the Grocery Store
contributed by Stephanie Andrews -
Save hundreds of dollars at the grocery store this year
Your Auto
Oil and Filter Mileage Minder
Ask Bob: The Auto Answer Man -
Can a gadget tell him when to change oil?
Your Taxes
Taxes 2007: Good Planning's Your Best Move -
Planning ahead is the most certain way to cut your tax bill, and you don't need a pro to do it for you
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
Taxes on a Wrongful Death Settlement -
It's tax free, but for some it could trigger estate taxes
Municipal Bonds Can Still Mean Taxes -
The added income means you'll pay more on Social Security benefits
Today's Tax Tip 2007 -
Each weekday through April 16 you'll find a new tax tip here to help you complete your return
2007 Tax Guide -
It's tax season again. Some of the rules have changed, but don't worry. Bankrate's 2007 Tax Guide provides all the tools and information you need to successfully file your 2006 return
7 Steps to Take on Day 1 of Tax Season 2007 -
Welcome to tax season! The first of Bankrate's daily tax tips offers seven tasks you can take care of now instead of April
Planning IRA Withdrawals -
If your IRA withdrawals will throw you into a higher tax bracket than you are now in, you should think about making withdrawals now or converting to a Roth IRA
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
Everything Else
Readers' Tips
That's Outrageous
January 1, 2007
Your Money
6 Money Resolutions
by Diane Schmidt -
Resolutions that every bargain hunter should know
Make a Budget to Help Your Dreams Come True!
by Monica Resinger -
The first step in reaching financial goals
My Story: Banking for Poor People
contributed by Leta in the U.P. of Michigan -
Avoiding outrageous banking fees
Your Best Moves in 2007 -
When it comes to rebalancing your portfolio for the year ahead, your goals, time horizons and risk tolerance are of primary importance
Rollovers and Roth IRA Contributions -
Rollover won't affect your IRA contribution limit
Feeling Ripped Off on Retirement Account Fees -
That's an expensive plan and you should ask for alternatives
Bank Error Isn't in Her Favor -
It's not like Monopoly and you don't get to keep the money
Dumping an Old, High-Interest Debt -
You need to check the interest rate on a new loan, but you should refinance
Checking Safety of Credit Union IRA funds -
You can check a credit union's safety
Payroll Cards Offer Convenience at Lower Cost -
Wages delivered on a debit card provide savings for employers and convenience for employees
Fame and Fortune -
"Three's Company" star Suzanne Somers rocketed to stardom by portraying a dumb blonde, but she's become one of the world's most successful entrepreneurs
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
Feeling Wealthy Can Make You Poor -
The wealth effect from rising home values and fatter portfolios can lead you to a dangerous precipice: living a more expensive lifestyle than you can afford
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
Fame and Fortune -
Gossip blogger Perez Hilton has gone from bankruptcy to the big time
Dealing with Parents' Big Credit Card Debt -
What's a son or daughter to do when the parents are frail but deep in credit card debt?
Your Family
Saving at the Doctor's Office
by Shelly Burke -
Safely saving money when possible
Dealing with Parents' Big Credit Card Debt -
What's a son or daughter to do when the parents are frail but deep in credit card debt?
Your Home
HG Detergents -
Is there a cheaper alternative?
7 Smart Mortgage Moves for '07 -
Mortgages and real estate changed dramatically in '06. Have you learned the lessons well enough to apply them in '07?
Your Career or Small Business
Finding a Work-at-Home Job
by Gary Foreman -
Discussing the ins and outs of working at home
Payroll Cards Offer Convenience at Lower Cost -
Wages delivered on a debit card provide savings for employers and convenience for employees
Your Food
Top 10 Ways to Save Money on Meat and Poultry
by S. L. Simmons -
Eating better for less
Your Taxes
Taxes 2007: The IRS Will Take a Closer Look -
The IRS is planning to shrink the tax gap; the money it feels it is owed but hasn't been able to collect. The result? Big Brother will be looking more closely
IRA Taxes for a Foreigner -
Even as a nonresident, you'll pay taxes on IRA distributions
Taxes 2006: Year of the Tax Credit -
Taxpayers cleaned up last year as new credits, which are far more valuable than deductions, went into effect
Widow's Tax Basis after Husband's Death -
She will only get the single person's tax exclusion on home sale
Extra 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
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
Everything Else
Exercise on the Cheap
by April Borbon -
Easy, inexpensive ideas for getting in shape
Saving at the Doctor's Office
by Shelly Burke -
Safely saving money when possible
8 Ways to Reduce Return Hassles -
This season, shoppers with returns will face more restocking fees, store credits instead of cash and shortened periods to return items. Here's how to cope
Gift Card Study: The Secondary Market -
Got gift cards you don't want? A number of Web sites let you buy, sell or trade them
All Shopped Out? Time to Call a Professional -
When time is of the essence, hire a personal shopper to do the job right
Wisdom of Babylon (and gift ideas, too!) -
Finding the perfect gift takes thought, but don't forget the words of Arkad, the richest man in the Babylonian empire, circa 6000 B.C.
Readers' Tips
That's Outrageous
December 25, 2006
Your Money
Hittin' the Books on the Cheap
by Andrea Hodgins -
Keeping a tight reign on college expenses
Dr. Don's Top 7 for '07 -
As you transition into 2007, it's a good time to take stock and make plans. Follow Dr. Don's advice to improve your finances in the coming year
A Primer on I Bonds vs. TIPS -
No one knows which way inflation rates will go
Working Your Way Out of Debt -
The trick is spending less that you make
Building Credit when You're Young -
It's sort of a Catch-22, but you can manage
Think Before Dumping Credit Card -
Your credit history does make a difference
Walk Away from $200,000 Credit Card Debt? -
Even if you have no assets now, you may have some in the future, and walking away leaves your future assets subject to seizure
Fame & Fortune -
Andy Summers hit it big later than Clapton, Beck and Hendrix, but the lead guitarist for "The Police" still rakes it in off hits like "Every Breath You Take," "Roxanne," "Don't Stand So Close To Me" and "Message in a Bottle"
7 Steps to be Debt-Free in '07 -
It's easy in concept, hard in practice. Make your income exceed your spending
7 Steps to a Fresh Financial Start in '07 -
Bankruptcy is often called a "fresh start," but it still carries a strong negative connotation. In reality you'll work rapidly to re-establish a positive, healthy life. Follow these 7 steps
CDs & Investing 2007: A Look Ahead from 4 Top Experts -
No one has a crystal ball, but we asked four financial experts to give us their views on what's ahead in 2007 for CDs and investing
Tithing at ATM Kiosks Offer Nebulous Rewards -
Some churches give congregants the option to make offerings at ATM-kiosks in church foyers. Can such donations offer rewards both now and in the afterlife?
Sorry, that Oral Agreement is Enforceable -
No matter how much it hurts to owe $25,000 to an ex-boyfriend, the terms of the loan's verbal agreement are enforceable if it meets three tests
Ways to Spend Your FSA -
In most cases, if you don't use your flexible spending account cash by Dec. 31, you lose it
Your Family
Hittin' the Books on the Cheap
by Andrea Hodgins -
Keeping a tight reign on college expenses
7 Smart Steps in '07 to Pay for College -
Planning for college is a complicated and time-consuming process. But College Money Guru Joseph Hurley says following these 7 smart college financing rules can help you achieve your goals
Your Home
Home Equity Poll -
If you have a HELOC, how have rising interest rates affected you?
Checking Out Online Home Equity Lenders -
For one thing, examine their record with the Better Business Bureau
Canceling FHA Mortgage Insurance -
It depends on whether you made an upfront insurance payment
Home Buying or Selling: 7 Top Tips for '07 -
Year 2007 will be one of transition, bringing most U.S. markets one step closer to healthier home sales. In the meantime, take note of these home-buying and home-selling strategies in a down market
Your Food
My Story: Angel Food Ministries
contributed by Tracy -
A food program for everyone
Your Auto
High-Tech Car Gadgets Expensive to Fix -
If your remote ignition key fob costs over $500 to replace, what do you think it will cost to replace that new Lexus automatic parallel parking feature?
Hybrid Tax Break Halved -
Buyers of the popular, fuel-efficient Toyotas may have noticed that the tax credit for that maker's hybrid cars has been cut in half, but it's better than nothing
Vehicle Leasing Makes a Comeback -
With higher interest rates, leasing is becoming a better financial bet that allows consumers to get more car for the money
Prepping the Car for Adverse Weather -
Don't let these common mistakes leave you spinning your wheels, or worse
Car-Sharing Picks Up Speed -
Car-sharing allows urbanites to have a car without the hassle -- and expense -- of owning one
Your Taxes
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
Are Origination Fees Tax Deductible? -
Whether they're called discount points or origination fees, they're deductible if they meet certain criteria
Taxing Required Minimum Distributions -
By having taxes withheld when you take your RMDs, you avoid the need to make quarterly estimated tax payments
New Tax Deduction for Mortgage Insurance -
Just before convening, Congress slipped in a provision making mortgage insurance tax deductible on mortgages taken out in 2007
10 Tax Changes You Need to Know -
The recently passed pension bill has tax provisions to help, and hinder, retirement savers, charitable givers and college payers
7 Moves for the '07 Tax Filing Season -
Although taxes may not be on your mind, remember Uncle Sam is not far behind. Here are seven tips to help you get off to a good start once the holiday cheer wears off
Everything Else
Holiday Tipping Etiquette -
The who, how and why for tipping during this festive time of year
Readers' Tips
That's Outrageous
Index for 2006
Index for 2005
Index for 2004
Index for 2003
Index for 2002
Index for 2001
Index for 2000
Index for 1999
Index for 1998
Index for 1997
Index for 1996
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