Topics in Money
Updated - June 29, 2009


The Positive Affects of a Money Gram
Understand why you handle money the way that you do.

How to Get Out of Debt
These 3 steps will change your financial direction.

Check Scams
Tips on protecting yourself from check scams.

Retiring on Social Security
Is it possible to live well on SSI alone?

Single Parent Finances
Tips and tricks to make it on one income with only one parent.

The Power of Compound Interest
What could training shoes teach him about money?

Car Debt or Credit Debt First?
It's the highest interest debt. Should it be paid off next?

Behind In Credit Card Bills
What do you do when you can't keep up with the bills?

Revenues from Bank Fees Up 41% in Four Years
A look at how fees are affecting consumers.

What Are You Willing to “Give Up” to Win Financially?
There are no shortcuts to financial prosperity!

Jump Start Your Credit History
5 easy ways to build a great credit history while you’re young.

The ABCs of HSAs
Understanding health savings accounts.


Surviving Tough Times

Microeconomic Explosion
Are your finances about to explode?

Cheaper Summer Cooling
Cooling options for apartment dwellers and others who don't want to spend a lot.

Are You Wasting Half Your Grocery Budget?
The easy secret to reducing your grocery bill.








Funding for Surgery
Dave doesn't like the strategy that Cathy has for paying for her elective surgery.

They're not Offering a 401K
I'm only 25 and just took a job with no 401k plan. How do I save for retirement?

Will versus Trust
Deanna has a head-to-head question for Dave about a last will and testament and when to have it over a trust.

An Intense Plan
Travis wants to take drastic measures to not have a mortgage ... maybe too drastic even for Dave.

Teaching about Tithing
Should Jill be teaching her child about the tithe, and does the Bible say anything about that regarding children?

Providing for You
Monica has a BIG misunderstanding about keeping a car loan vs. paying it off.

We Paid Off Our Mortgage!
"Our family gazed at the computer screen as we sent our last mortgage payment to the bank. We are still in disbelief at our accomplishment - 100% debt free!" David said.

Student Loans are Always a Stupid Tax
"Everybody told us that they just took out college loans, so that's what we did," Zoe said.

From Bankruptcy to Financial Peace
"We went through bankruptcy and were headed in that direction again, until we decided to take charge of our money," Randy said.

Overspending at the Grocery Store
Do you have money budgeted for food each time you go to the grocery store? If not, Amanda gives you a wake-up call! Read her short stupid tax story now!

Trying to Help Dad
Jeremy can't be an enabler and continuously bail his father out of financial problems. Dave says there's a lesson for dad to learn.

Cut Your Lifestyle
Kevin and his wife make decent money and wonder what's the best way to use their big shovel to beat their debt!

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

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

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

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

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



Dumped by your card issuer? 5 tips to survive the breakup
What should you do if you suddenly find yourself dumped? Here are five steps to take when your credit card issuer just isn't into you anymore.

When your ex doesn't pay on joint accounts
If you rely on your ex to pay down on joint accounts after a divorce, expect to be disappointed.

Personal loans vs. credit card cash advances
For one-time events such as a wedding, go with the loan -- the rates are usually much cheaper.

How to decide to dump your rewards card for another
With so many bonus sign-up rewards cards out there, it becomes difficult to decide when it's time to dump your old card for a new one.

Can't pay? Don't know what to say? Here's a 4-step plan
A step-by-step guide to talking with creditors when there isn't enough cash for a complete payment.

Adult daughter with thin credit needs to learn independence
A concerned mother asks for advice on helping her 28-year-old daughter jump-start her credit, but our expert says mom should think twice before getting too involved.

How Dad affects your debt, financial decisions
New research finds that a father's advice, or lack of it, influences their children's money behavior later.

Does it matter who is the primary account holder?
In times past, creditors may have only reported credit history for the primary account holder -- usually the man. Times have changed.

Allowing friends to use your credit card = mistake
After the charges, it may be too late to hold someone else responsible for debt run up on your card with your permission.



Taking money back in bankruptcy difficult
Once your account is levied or wages garnished, prying cash away from creditors will be a struggle.

Starting a business in a recession
There are advantages to launching a startup in down times. Follow these tips to make it successful.

Time to take on risk for higher yields?
It's tempting today to take on more investing risk for higher yield, but is it wise?

2009 Credit Card Study results
Bankrate surveyed 20 cards from the top issuers to see whose cards are the best deal.

2009 Credit Card Study: The fine print
What's in the fine print? See which credit card issuer has the best -- and worst -- practices.

Building a portfolio
It takes finesse, but anyone can create the perfect investment portfolio for their life stage and risk tolerance.

Whose finances are whose?
She's on disability, he makes six figures. And she's worried she'll be liable for debt he incurs.

New card law will impact terms
The Credit CARD Act forbids many of the worst practices. See what will change -- and what won't.

Big changes ahead for money funds?
The SEC has put forth proposals that it says should strengthen rules governing money funds.

7 ways to avoid tapping retirement cash
Borrowers looking for funds in a down economy have options other than raiding retirement savings.

How to solve 5 common money problems
Experts offer advice for Americans dealing with unemployment, overspending, debt, foreclosure or wrecked retirement savings.

What moves interest rates?
If the federal funds rate doesn't move the needle, find out what affects mortgage, home equity, auto loan, CD and credit card rates.

Cut your own interest rates
No help from the Fed? Follow these tips to make your money go further.

How does zero card balance impact score?
A tiny reported balance on your credit card may help your credit score.

Don't despair about the size of your debt
You may feel hopeless, but a debt management plan will start you on the road to financial recovery.

Time is money -- so is patience
Time is money but patience can pay off big time when buying a home, looking for a job or investing in the stock market.

8 ways to find and keep a temporary job
In tough times, the path to a permanent job might be through temping. These tips can make it happen.


Ask Dr. Don

Weigh interest-only mortgage refinance
A condominium homeowner may benefit from a mortgage refinance on an interest-only loan.

2 mortgages haunt retirement home dream
Homeowners dream of a new retirement home but fear the nightmare of holding two mortgages.

IRA rollover rules protect retirement
Following the rules carefully with an IRA CD rollover will help protect your retirement.

Dropped pension won't thwart retirement
When a company drops a pension plan, seeking expert help can prevent damage to retirement dreams.

Keep savings, Social Security separate
Separate account relationships is the best way to protect Social Security deposits from garnishment.

Inflation index reading angers saver
A saver's frustration with the statisticians who compile the inflation index is misplaced.


Tax Talk: George Saenz

Deciphering tax treaties
The details of a tax treaty involving the U.S. and the Czech Republic are best left to an expert.

2009 RMD rules for an IRA
If you already took your RMD for 2009, you still may be able to roll it into another plan.

Figuring car depreciation
There are several factors involved in calculating the depreciation rate on a car used for business.

Claiming capital loss on a home
Converting your home to a rental so you can claim the capital loss won't fly with the IRS.

Avoiding capital gains on foreign property
How can a U.S. citizen avoid paying capital gains tax on the sale of property in Belize?




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.

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.