Topics in Money
Updated: May 9, 2008


Consumer Tips for Dealing with Debt
Tips on how to climb out of credit card debt.

Quick Fix or Daily Habit?
Getting personal finances in order one day at a time.

Kids and Money
Interview with Steven Rosen, Nationally Syndicated Columnist and Deputy Business Editor of the Kansas City Star.

How to Choose a Business Credit Card
Get the card that's best for you.

Realistic Credit Repair
Ways to improve your score over time.

Who Gets What?
Estate planning for a second marriage.

Where's My Money?
Getting your utility deposits back.

One Income Beats Two
Help your husband make more money.

Your Checking Account
New transaction types make them harder than ever to balance.

Correcting Your Credit Report
70% of all credit reports contain errors.

Starting an IRA
Take control of your retirement plan today.

401k Plans Explained
A 401k plan is an excellent way to save.


Inflation Fighters

When Cleaning Equals Energy Saving
Have a clean, more energy efficient home.

Reduce your Food Budget
13 easy ways to cut your food budget down to size.

Vacation for Less
Cutting costs without cutting the pleasure out of the trip.

Saving on Pool Expenses
Maximize savings with a little common sense and basic maintenance.




We Plan to Celebrate With A Trip to Hawaii!
"In January 2010, for my husband's 30th birthday, we are planning to take a trip to Hawaii to celebrate our newfound freedom," Christina said.

I Paid for Cable I Didn't Watch!
"In the last 2 years, I've consistanly watched less than half the channels I was getting and have been paying over $1,300 a year for it," Ryan said.

We Paid Off Over $300,000!
"Today the last payment to a debt cleared the bank. We have paid off, including interest (but not the house), $307,501.85!!!! We own our lives for the first time in 15 years!"

Check the Paper Statements!
"Since we did it all online and never checked the statements themselves, we weren't counting for the interest rates," Heather said.

No college, money left over
Is the saved college money wasted if the child decides that school is not for him or her?

I just feel whipped
Lisa has a very bad thought ... is there ever a point where you CAN'T make an impact on your money?

College savings for five kids!
The hardest part of saving so much money for so many college expenses comes sooner than you think.

I Now Feel More Secure and Confident!
Tari grew up thinking how she would always have a car payment and house payment. However, now she realizes that was false!

Now We Have Hope!
"I can still hardly believe it. The reality of it hasn't completely sunk in. Now we have hope, which is something we didn't really have 6 months ago," Tammy said.

Bankrate's 2008 Tax Guide

Bankrate's tax tools, terms and training will help you through filing and beyond.

Tax Calendar
April 15 isn't the only important day for taxes. Bankrate's tax calendar provides you with many others to circle.

Tips and Tools
A tax tip a day plus an array of tax tools, terms and training will help you through filing and beyond.

Filing and Refunds
Get it done right the first time with this advice on free filing, e-filing, documentation and refunds.

Forms and Charts
Search here for all the new tax rates, exemption and deduction amounts, plus estate and gift tax exclusions.

Realty and Capital Gains
Home, sweet home. It's likely your biggest investment and it affords you some great tax breaks to boot.

Family
You care for your children and dependents all year. At tax time Uncle Sam may take care of you.

Work
Take advantage of benefits at work and you may find your job even more rewarding at tax time.

Investments
Investing wisely is key to your wealth-building strategy. Keeping your gains from the IRS is, too.

Education
Take some of the sting out of the ever increasing cost of college by applying these tax-favored options.

Retirement
Whether you're self-employed or work for others, many tax-advantaged retirement vehicles are at your disposal.

Philanthropy
Even the IRS has a heart. Giving to charity can be a wise tax move, as long as you follow the rules.

Calculators
Tax calculators to help make your tax preparations easier than ever!



Banks that go green
A 'green' snapshot for Earth Day, 2008: How some U.S. banks are making environmental eco-friendly moves.

More landlords accepting rent payments by credit card
While acceptance is hardly universal, a growing number of landlords allow paying rent by credit card.

Retired, with little income, big tax bill
Living just off her Social Security income, a 72-year-old woman asks columnist Alan Klayman how to go about paying her property taxes on such a small fixed income.

Managing debt while in retirement
Debt complicates the calculation on how much you'll need to retire in comfort, says 'Maturing Loans' columnist Alan Klayman.

Universities deal with tuition paid by credit card
With tuition costs rising and credit tightening, more students are opting to pull out the plastic to pay for their classes. Not all colleges like it....

Preparing kids for credit card management
Individuals younger than 18 must have the permission of a parent or legal guardian to obtain a credit card -- here are ways to get them started on the plastic path...

When credit cards are compromised by thieves
When credit card account information is stolen, the thief uses your card information to request a change in the billing address and an additional card. The thief can then use your account for as long as it takes you to realize that your card has been compromised....



12 investment mistakes couples make
Two heads often don't work as one when it comes time to invest your money.

Rising food and fuel prices
The rising costs of food and fuel are a challenge for many Americans, but a devastating problem for people in developing nations. Are hedge funds to blame?

The costs of ID theft
Sleazy con artists cause a great deal of inconvenience to consumers, businesses and government -- not to mention $45 billion in costs.

12-step program for ID theft victims
Follow these steps to reclaim your identity and restore your good name.

Converting from Chapter 13 to Chapter 7
Type of bankruptcy hinges on your income, says the Bankruptcy Adviser, but you may be able to convert after the original filing.

Surviving mob mentality in finance
Bankrate reviews the book "Mobs, Messiahs, and Markets," by William Bonner and Lila Rajiva, which examines what the authors allege is the mass hysteria that overcomes investors in the stock market.

Swimming up a debt waterfall? Try this
Small steps can give you the energy to tackle a big debt, says the Debt Adviser.

Resist the urge to splurge
Americans have a lot of saving to do to make up for their spending frenzy of the past 20 years, says guest columnist Bud Hebeler.

From helpless to empowered
The nonprofit Identity Theft Resource Center provides emotional support and helps ID theft victims get their lives back.

I-bond's new rate: tough choice for investors
The government's inflation-fighting I-bond, issued from May 2008 through October 2008, will earn an annual rate of 4.84 percent.

Banks and consumers: Be on high alert
Banks should be more accountable and publicly report basic statistics on their fraud rates, says information privacy law expert Chris Jay Hoofnagle.

One-stop shopping for mutual funds
Asset allocation funds are designed to create diversification and meet income or growth goals. Is the all-in-one approach a good idea?

Predatory lending victim facing bankruptcy
Senior citizen's mortgage balloons to exceed her Social Security income, but before she files bankruptcy, she should seek legal recourse, says the Bankruptcy Adviser.

6 ways to buy checking 'float' time
Today, it's harder to buy time to pay your bills. Here are six ways to create some breathing room.

Critics wish to bounce 'Check 21'
Consumer advocates say legislation known as "Check 21" is fundamentally unfair to consumers.

Where rates are headed in 2008
Will mortgage rates go lower or higher and what sort of events can drive them there?

Practicing online safety
Protective software can only go so far. Your unsafe behavior can override that protection.

Foreclosure forecast: Few bright spots
Foreclosure notices in February went down 4 percent from a month earlier but still represent a 60 percent jump from the filings for the month of February 2007.

Never roll negative equity into new car
Free markets are great, but one bad loan product deserves to be banned, says Bankrate car columnist Terry Jackson.

Subpar credit may mean lousy loan deal
A good FICO score is crucial to getting the best terms on a car loan, says Bankrate car columnist Terry Jackson.

Cash sweep accounts study results
Bankrate surveyed the top brokerages to determine how much interest they pay on money invested in a cash sweep account.


Ask Dr. Don

What's $29,000 worth after 18 years?
A bank deposit of $29,000 loses some of its purchasing power after 18 years.

Lump-sum lottery payment is bad deal
A lottery winner may become a loser if she accepts a lump-sum payment.

FDIC 99-year payment rule is urban myth
The notion that the FDIC has 99 years to pay depositors is an urban legend.

Fear can cripple retirement planning
Too many people avoid retirement investing because they fear bad choices.

Explore options when saving abroad
Americans have options for tapping the higher yields of foreign savings accounts.

Banking convenience may come at price
The convenience of one-stop financial services can come at a cost.


Tax Talk: George Saenz

Capital gains exclusion on a home
A homeowner currently confined to an assisted living facility might not have to worry about residency requirements to claim capital gains exclusion.

Tax deduction on medical equipment
A backyard swimming pool may be deductible for medical reasons if you can convince the IRS.

Figuring S corp losses and debts
When an S corp is sold, there is a difference in how debts and losses are treated.

Using an IRA for home closing costs
You can avoid the penalty and some of the taxes on an IRA withdrawal if it is used for a first-time home purchase.

Are betting spoils taxable?
The type and amount of gambling winnings determine if they are reportable.


Bankrate's Financial Literacy 2008

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

Previous Topics:
Taxes Made Easy
Tax may only be a three-letter word, but it could get mind-numbingly complicated.

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.