Topics in Money
Updated - Nov. 9, 2009


Even People with Good Credit Are Penalized
The importance of knowing what’s in your credit reports.

I'm Out of Money
When there’s more month than money.

Double Check Your Paycheck
Could mistakes be costing you money?

Preparing for the Worst
Creating a financial disaster plan.

Check Your List Twice
Knowing where you spend too much.

My Story: The Spending Plan
The most terrifying tool is also the most useful.

FSA End of the Year Dilemma
How can you keep from losing your money?

Beating Rebate Rejection
Why 50% of all rebates go uncollected.

My Story: Living Frugally
What this professional tells his clients.

Do I Need a Financial Planner?
When is it time to call in a professional?

Cash Flow Management
A lack of knowledge could keep you from success.

What You Should Do Now
Now, more than ever, you need to stay on top of your finances.


Surviving Tough Times

Beat Energy Costs: Hot Water
Exploring ways to cut the high cost of hot water.

My Story: Cutting Expenses
How she shifted from frugal to tightwad gear.

Modern Haggling
Information + persistence = money.







Escaping co-signing: How to get out of a co-signed loan, credit card
Despite experts' advice, you did it anyway: You co-signed a for a loan or credit card. Now that you've wised up, can you escape? Maybe.

4 questions to ask before you co-sign on a credit card
Explore alternatives and find out what you're in for with these questions for anyone who asks you to be a co-signer on a credit car or other loan.

How to safely, securely destroy a credit card: 6 tips
With credit card fraud and identity theft on the rise, a single scissor snip won't cut it anymore.

13 ways to get gift cards for less
Use these techniques to pay less than face value or boost buying power of a gift card.

In default on car loan: What to do?
If you are in default on a car loan, but want to make amends, it might help to sit down with the lender and discuss possible payment options.

Help! My husband's debt is ruining our credit
Before marriage, her credit was great. Now, her husband's debts are making their lives unmanageable. Is there hope?

FICO reveals how common credit mistakes affect scores
For the first time, the credit scoring firm discloses how many points a score will fall due to late payments or other errors.

Credit card rates' ascent shows no sign of slowing
It just keeps getting more and more expensive to be a credit cardholder -- and analysts say there's little change in sight.

Money and credit lessons learned from TV
Whether they're frugal or free-spending, our favorite and classic TV characters are fountains of financial advice.

9 Smart Personal Finance Moves
Keeping in the "know": 9 things to know to improve your finances in 2009.

9 Smart Debt Strategies
Now is the time to pay close attention to your debts. If this credit crunch turns into a credit winter, you could get financial frostbite if you are not prepared.

9 Wise Tax Moves
As the new year rolls in, here are nine new, renewed or slightly altered tax situations that could help you lower your tax bill.

Bankruptcy Do's and Don'ts
There are many things a person can do in the new year to have a smooth and positive bankruptcy experience.

Smart Credit Card Moves
Here's a look at what experts say is coming and what you should do about it.

13 Smart Insurance Moves
Smart insurance moves are all about minimizing risk.

Retirement: 13 Smart Money Moves
If what doesn't kill you really does make you stronger, then retirement investors will rule the roost in 2009.

Smart Moves for CDs, Checking and Savings
Investors hope that 2009 will provide more than a temporary respite from 2008's economic downward spiral.



4 questions on $6,500 home tax credit
Existing homeowners now have a shot at the new home tax credit. Is it the right move for you?

7 ways to stretch your retirement income
You don't have to defy the laws of physics to stretch your money so it will last. Just plan wisely.

Not your father's post office
Humor columnist Jay MacDonald says the Postal Service is getting bold in its search for revenue.

How do I ... Ladder CDs?
CD laddering offers safety, high returns and liquidity all in the same place.

Learn how to be rich
Can you learn how to be rich by taking a wealth-management class?

Figuring retirement needs in shaky economy
Take these steps to see if your nest egg can furnish your needs in best- and worst-case scenarios.

How to prosper
We're fortunate to live in a country where individuals can reach their goals, realize their dreams.

Get rich without marrying a millionaire
Forget instant wealth via a rich spouse or lottery ticket. Take charge of your financial destiny.

Can you still find high-yield checking?
When it comes to paying yield, banks rely on a healthy balance of deposits and loans.

Does the IRS still have your refund?
The IRS has $123.5 million in unclaimed tax refunds. Does some of the cash belong to you?

Where's my tax refund
The IRS offers a number of ways to track down your tax refund.

Bank of Mom not kids' financial crutch
Parents shouldn't put themselves in financial jeopardy when the kids can help pay their own bills.

Does credit card opt-out preserve rate?
Cardholder who opts out will still be able to pay down her credit card at same rate.

Keep your job AND a side business
Want to excel at the job you need while building the business you want? Proceed with caution.

Should you go offshore?
Opening an overseas account isn't for everyone. Here are some of the reasons to consider it.

Could you be saving too much?
You might not even realize you're in the slender slice of the population that is retirement-rich.

I-bond rate improves, but be cautious
If you're looking for inflation protection, be wary of the I bond's low fixed rate.

Liquidity fears? Check out no-penalty CDs
Some CDs don't penalize you for withdrawing before maturity, but beware of certain conditions.


Ask Dr. Don

Husband has no claim on wife's gift
A man who lives in a community property state may have no claim on a gift his wife received.

Husband won't pay fair share of mortgage
A woman continues to pay her half of the mortgage while her spouse makes excuses.

Don't whine about inflation rate
A Series I savings bond investor should not grouse about the effect of a negative inflation rate.

Hiding assets likely to backfire
The Internal Revenue Service and other authorities have many tools to uncover money shenanigans.

Messy finances unfair to heirs
Put your financial house in order now so your loved ones won't have to sleuth after you die.


Tax Talk: George Saenz

Tax credit for home energy efficiency?
If you missed out on earlier tax credits, they are being reintroduced. But there is a limit.

Die in 2011 and you'll pay
With the estate tax in flux, planning for estate taxes at death is uncertain at best.

Rules for the child care tax credit
The IRS has rules for claiming the child care credit if you pay a relative to provide the care.

Do you qualify for COBRA subsidies?
In order to qualify for the COBRA subsidy, an employee must have been laid off or fired.


Bankrate's Financial Literacy

Bankrate's guide to building personal wealth takes an in-depth look at topics essential for building personal wealth and financial success through work sheets, calculators, expert advice and money-saving tips.

This month's topic:
Becoming credit savvy
Learn to navigate the sometimes treacherous credit landscape until 2010, when new consumer protection rules kick in.

Previous Topics:
Debt Management
Unrestrained spending will throw a balance sheet way out of whack.

Protecting Your Identity
Protect your computer, your finances and your family from this disruptive type of deception.

Planning for Your Heirs
Estate planning is something we tend to put off indefinitely, but it's an act of love.

Creating an emergency fund
Strategies for building your cash reserves for unexpected events.

Smart borrowing
These strategies will help you shop loans intelligently.