http://www.stretcher.com Dollar Stretcher Content en-us Copyright 2009 The Dollar Stretcher, Inc. http://backend.userland.com/fss Spending Addiction, Reader seeks help in learning to control her spending addiction before it destroys her life.http://stretcher.com/stories/09/09oct05a.cfmMon, 05 Oct 2009 01:00:00 EDT Credit Card Changes, Answers to some of the more popular questions that trouble today's cardholders.http://stretcher.com/stories/09/09oct05b.cfmMon, 05 Oct 2009 01:00:00 EDT Repelling Money, Could you subconsciously be pushing money away?http://stretcher.com/stories/09/09oct05c.cfmMon, 05 Oct 2009 01:00:00 EDT Autumn Harvest, "Put by" the bounty of autumn and save money all winter.http://stretcher.com/stories/09/09oct05d.cfmMon, 05 Oct 2009 01:00:00 EDT Simplifying Your Financial Life, Consolidate, automate, and separate.http://stretcher.com/stories/09/09oct05e.cfmMon, 05 Oct 2009 01:00:00 EDT The Dollar Stretcher polls readers about how the economy as affected their purchase of organic foods.http://stretcher.com/stories/09/09oct05p.cfmMon, 05 Oct 2009 01:00:00 EDT Frugal Living Tips.http://stretcher.com/stories/09/09oct05t.cfmMon, 05 Oct 2009 01:00:00 EDT Think that great gifts have to cost a bundle? Think again! Don't miss these great no cost birthday gift ideas that will put a smile on any kid's face.http://stretcher.com/stories/09/09oct12a.cfmMon, 12 Oct 2009 01:00:00 EDT The cost of raising kids may surprise you, but preparation is key. Don't miss these money-smart tips that will be a guide on this parenting journey.http://stretcher.com/stories/09/09oct12b.cfmMon, 12 Oct 2009 01:00:00 EDT Want to learn how to save on groceries? We have some easy ways. Try them. They can have a huge impact on your family budget!http://stretcher.com/stories/09/09oct12c.cfmMon, 12 Oct 2009 01:00:00 EDT Little is as devastating as the death of a spouse, but here's help in handling credit card debt. Find out what you're responsible for and what to dohttp://stretcher.com/stories/09/09oct12d.cfmMon, 12 Oct 2009 01:00:00 EDT Have you ever noticed that 'normal people' seldom get rich? Stop living paycheck to paycheck. We're going to tell you how to get rich.http://stretcher.com/stories/09/09oct12e.cfmMon, 12 Oct 2009 01:00:00 EDT Frugal Living Tips.http://stretcher.com/stories/09/09oct12t.cfmMon, 12 Oct 2009 01:00:00 EDT When a loved one passes, it is hard to make good decisions about funeral arrangements. See how prepaid funerals make decision making a lot easier.http://stretcher.com/stories/09/09oct19a.cfmMon, 19 Oct 2009 01:00:00 EDT Want to know why most budget plans do not work? We make it more difficult than necessary. Learn how to make a simple budget that anyone can follow.http://stretcher.com/stories/09/09oct19b.cfmMon, 19 Oct 2009 01:00:00 EDT Eggs are a great protein source and a wise choice for every frugal kitchen. Find ways to use this nutritional powerhouse in your well-balanced meals.http://stretcher.com/stories/09/09oct19c.cfmMon, 19 Oct 2009 01:00:00 EDT Giving homemade gifts can be a money saver, but it also add a special touch to the holidays. Use some of these ideas for those on your Christmas list.http://stretcher.com/stories/09/09oct19d.cfmMon, 19 Oct 2009 01:00:00 EDT The bad guys have new methods to put your data at risk. Stay safe with these basic computer safety practices and the right security software.http://stretcher.com/stories/09/09oct19e.cfmMon, 19 Oct 2009 01:00:00 EDT The Dollar Stretcher polls readers about how much they are willing to pay for a new pair of shoes.http://stretcher.com/stories/09/09oct19p.cfmMon, 19 Oct 2009 01:00:00 EDT Frugal Living Tips.http://stretcher.com/stories/09/09oct19t.cfmMon, 19 Oct 2009 01:00:00 EDT We've heard how important an emergency fund is to financial health, but how much emergency fund is enough? Follow these guidelines and protect your future.http://stretcher.com/stories/09/09oct26a.cfmMon, 26 Oct 2009 01:00:00 EDT Frugality starts with the realization that our money is ours. Follow these 8 rules to spend less and enjoy life more. Take back the control of what's yours.http://stretcher.com/stories/09/09oct26b.cfmMon, 26 Oct 2009 01:00:00 EDT For kids to learn how to use money, they need to have some. Here is where allowances come in handy. Used right, they can be a great teaching tool.http://stretcher.com/stories/09/09oct26c.cfmMon, 26 Oct 2009 01:00:00 EDT For less than $1/pound, flour is key in any frugal chef's pantry. Let's go beyond sweets and see how to stretch dollars with these great dinner ideas.http://stretcher.com/stories/09/09oct26d.cfmMon, 26 Oct 2009 01:00:00 EDT Roofs are the first line of defense against rain, snow, cold air and harsh weather. Learn how to get your home ready for rough weather.http://stretcher.com/stories/09/09oct26e.cfmMon, 26 Oct 2009 01:00:00 EDT Frugal Living Tips.http://stretcher.com/stories/09/09oct26t.cfmMon, 26 Oct 2009 01:00:00 EDT Now, more than ever, you need to stay on top of your finances. No one knows how long this economic storm will be, so take the appropriate steps now.http://stretcher.com/stories/09/09nov02b.cfmMon, 02 Nov 2009 01:00:00 EST Not only do you save time and money with meal planning, but you'll also cook more wholesome meals for your family. We'll help you get started today!http://stretcher.com/stories/09/09nov02c.cfmMon, 02 Nov 2009 01:00:00 EST Guests coming for the holidays? Try one of these great entertainment ideas that will add a little 'wow' to your holiday gatherings.http://stretcher.com/stories/09/09nov02d.cfmMon, 02 Nov 2009 01:00:00 EST Your old appliances may be wasting your hard-earned money. Maybe it's time to consider buying a new appliance and save money and energy.http://stretcher.com/stories/09/09nov02e.cfmMon, 02 Nov 2009 01:00:00 EST The Dollar Stretcher polls readers about the adjustments that they are making to their Christmas spending this year.http://stretcher.com/stories/09/09nov02p.cfmMon, 02 Nov 2009 01:00:00 EST Frugal Living Tips.http://stretcher.com/stories/09/09nov02t.cfmMon, 02 Nov 2009 01:00:00 EST Three key savings vehicles allow parents to safely put away money for their children's future.http://www.bankrate.com/finance/savings/3-ways-to-save-for-your-child-s-future-1.aspx?pid=p:dlsTue, 13 Oct 2009 01:00:00 EDT When the economy is putting on a big hurt, let someone assume your lease to save money.http://www.bankrate.com/finance/auto/want-out-of-a-car-lease-try-trading.aspx?pid=p:dlsTue, 06 Oct 2009 01:00:00 EDT If you pay checking fees, it's money draining out of your account. Here's how to avoid them.http://www.bankrate.com/finance/checking/6-tips-to-avoid-checking-account-fees.aspx?pid=p:dlsTue, 06 Oct 2009 01:00:00 EDT Financial experts often get it wrong. No wonder regular people make these mistakes.http://www.bankrate.com/finance/financial-literacy/7-retirement-account-mishaps-that-cost-big-1.aspx?pid=p:dlsTue, 06 Oct 2009 01:00:00 EDT Raiding your retirement account to pay the mortgage can leave you with no nest egg -- and no home.http://www.bankrate.com/finance/debt/save-retirement-account-for-retiring.aspx?pid=p:dlsFri, 09 Oct 2009 01:00:00 EDT Most Americans plan to work through retirement because they like work or they'll need the money.http://www.bankrate.com/finance/financial-literacy/americans-plan-to-work-through-retirement-1.aspx?pid=p:dlsFri, 09 Oct 2009 01:00:00 EDT Before you leave a job, don't forget your retirement money.http://www.bankrate.com/finance/retirement/video-lost-and-found-pensions.aspx?pid=p:dlsTue, 06 Oct 2009 01:00:00 EDT In tough times, the path to a permanent job might be through temping. These tips can make it happen.http://www.bankrate.com/finance/personal-finance/8-ways-to-find-and-keep-a-temporary-job-1.aspx?pid=p:dlsMon, 05 Oct 2009 01:00:00 EDT Government and private programs abound to help dislocated workers get training for their next job.http://www.bankrate.com/finance/personal-finance/5-ways-to-get-free-job-training-1.aspx?pid=p:dlsMon, 05 Oct 2009 01:00:00 EDT In a cover letter, you can brag in more detail than on your resume.http://www.bankrate.com/finance/money-guides/cover-letters-let-you-brag.aspx?pid=p:dlsMon, 05 Oct 2009 01:00:00 EDT To offset stock market volatility, is it better to use a prepaid tuition plan than a 529?http://www.bankrate.com/finance/video/video-prepaid-tuition-vs-529.aspx?pid=p:dlsMon, 05 Oct 2009 01:00:00 EDT Here's how you can receive your 529 plan money, and which approach is best for you.http://www.bankrate.com/finance/college-finance/3-ways-to-take-a-529-plan-distribution.aspx?pid=p:dlsMon, 05 Oct 2009 01:00:00 EDT New rules may make it harder for condo buyers and developments to get FHA mortgages.http://www.bankrate.com/finance/mortgages/new-fha-condo-rules-may-hinder-mortgages.aspx?pid=p:dlsMon, 05 Oct 2009 01:00:00 EDT If a lender won't agree to a weekly mortgage plan, it's easy to create your own DIY version.http://www.bankrate.com/finance/mortgages/create-diy-mortgage-payment-plan.aspx?pid=p:dlsTue, 06 Oct 2009 01:00:00 EDT A homeowner with low tax expenses and a top return on her savings should not prepay her mortgage.http://www.bankrate.com/finance/mortgages/mortgage-prepayment-may-be-unwise.aspx?pid=p:dlsMon, 05 Oct 2009 01:00:00 EDT Don't think of it as a bank, but the IRS will pay interest to you under certain conditions.http://www.bankrate.com/finance/taxes/will-you-be-paid-interest-on-a-tax-refund.aspx?pid=p:dlsTue, 06 Oct 2009 01:00:00 EDT Planning your estate isn't a one-time deal. Here's what to do at various times in your life.http://www.bankrate.com/finance/personal-finance/8-life-stages-for-estate-planning-1.aspx?pid=p:dlsTue, 13 Oct 2009 01:00:00 EDT When a HELOC is secured by your home, one of these options may help you to keep your property.http://www.bankrate.com/finance/debt/3-ways-to-lose-a-heloc-keep-the-house.aspx?pid=p:dlsTue, 13 Oct 2009 01:00:00 EDT Your estate plan should change throughout your life, depending on your circumstances.http://www.bankrate.com/finance/video/video-8-stages-of-estate-planning.aspx?pid=p:dlsTue, 13 Oct 2009 01:00:00 EDT Check supply and demand to see if the housing market is set for a rebound.http://www.bankrate.com/finance/video/spotting-a-housing-turnaround.aspx?pid=p:dlsMon, 12 Oct 2009 01:00:00 EDT The credit bureaus don't always know you have a mortgage, but the omission can be fixed.http://www.bankrate.com/finance/debt/3-tips-for-updating-your-credit-history.aspx?pid=p:dlsMon, 12 Oct 2009 01:00:00 EDT Bypass this deadline for filing, and you could end up paying the IRS a hefty price.http://www.bankrate.com/finance/taxes/time-s-up-for-tax-delay-file-by-oct-15.aspx?pid=p:dlsMon, 12 Oct 2009 01:00:00 EDT Forget the forecasts; analyze what's happening with the real estate market in your town.http://www.bankrate.com/finance/mortgages/when-will-your-housing-market-recover--1.aspx?pid=p:dlsMon, 12 Oct 2009 01:00:00 EDT Get your finances in order long before you hit the showroom. You'll save money.http://www.bankrate.com/finance/video/video-how-to-shop-for-a-car-loan.aspx?pid=p:dlsFri, 09 Oct 2009 01:00:00 EDT The deal amounts to a two-month test drive. But if you return the car, you won't get every cent back.http://www.bankrate.com/finance/auto/can-gm-s-60-day-guarantee-draw-buyers.aspx?pid=p:dlsFri, 09 Oct 2009 01:00:00 EDT While car loan applications can affect your score, it's not given as much weight as other elements.http://www.bankrate.com/finance/auto/does-car-loan-inquiry-hurt-credit-score.aspx?pid=p:dlsFri, 09 Oct 2009 01:00:00 EDT Sen. Herb Kohl chats about health reform, long-term care, target-date funds retirement issues.http://www.bankrate.com/finance/financial-literacy/seniors-to-benefit-from-health-care-reform-1.aspx?pid=p:dlsFri, 09 Oct 2009 01:00:00 EDT Make a splash without spending much cash with these 10 quick and easy home projects.http://www.bankrate.com/finance/money-guides/10-quick-ways-to-upgrade-your-home-1.aspx?pid=p:dlsFri, 09 Oct 2009 01:00:00 EDT Your mortgage application has been rejected. Fear not: Here are some tips to deal with it.http://www.bankrate.com/finance/mortgages/what-to-do-when-your-mortgage-is-rejected-1.aspx?pid=p:dlsThu, 08 Oct 2009 01:00:00 EDT Convert your taxable income IRA into a never-taxed income IRA.http://www.bankrate.com/finance/video/convert-ira-to-save-taxes.aspx?pid=p:dlsThu, 08 Oct 2009 01:00:00 EDT Sell your gold chains, rings and other jewelry while enjoying a splash of Chardonnay with friends.http://www.bankrate.com/finance/personal-finance/bring-your-bling-to-a-gold-party-1.aspx?pid=p:dlsThu, 08 Oct 2009 01:00:00 EDT Here's what to consider before you pay for protection now or risk the cost of a crash later.http://www.bankrate.com/finance/auto/5-ways-to-save-on-auto-insurance.aspx?pid=p:dlsThu, 08 Oct 2009 01:00:00 EDT Not only does debt settlement rarely work, it comes with unintended consequences, all of them bad.http://www.bankrate.com/finance/debt/3-points-to-consider-in-debt-settlement.aspx?pid=p:dlsThu, 08 Oct 2009 01:00:00 EDT Comparison shopping will help you know deals from duds at a dollar store.http://www.bankrate.com/finance/video/10-dollar-store-duds.aspx?pid=p:dlsWed, 07 Oct 2009 01:00:00 EDT Money pros debate the value of clipping coupons and just saying "no" to the daily latte.http://www.bankrate.com/finance/savings/does-penny-pinching-pay-off-1.aspx?pid=p:dlsWed, 07 Oct 2009 01:00:00 EDT Economic changes and possible tax reform make this a good time to review your plan.http://www.bankrate.com/finance/retirement/review-estate-plan-before-it-s-too-late.aspx?pid=p:dlsWed, 07 Oct 2009 01:00:00 EDT Humor columnist Jay MacDonald talks to an author who looks forward to rising gas prices.http://www.bankrate.com/finance/personal-finance/can-20-per-gallon-gas-save-the-world.aspx?pid=p:dlsWed, 07 Oct 2009 01:00:00 EDT Try to steer clear of mutual fund investments where you pay an adviser a sales commission.http://www.bankrate.com/finance/investing/don-t-pay-sales-commission-to-adviser.aspx?pid=p:dlsTue, 13 Oct 2009 01:00:00 EDT A law change for the 2008 tax year simplified the process of rolling 401(k) funds into a Roth IRA.http://www.bankrate.com/finance/investing/new-rule-simplifies-roth-rollover.aspx?pid=p:dlsMon, 12 Oct 2009 01:00:00 EDT A homeowner who recently earned a 0,000 profit should consider putting the cash into a new home.http://www.bankrate.com/finance/mortgages/spend-100-000-windfall-on-new-home.aspx?pid=p:dlsFri, 09 Oct 2009 01:00:00 EDT Dividing investments between Roth and traditional retirement accounts provides tax diversification.http://www.bankrate.com/finance/investing/roth-ira-helps-lower-tax-risk.aspx?pid=p:dlsThu, 08 Oct 2009 01:00:00 EDT Investors who aren't careful may get a rude tax surprise after buying a mutual fund.http://www.bankrate.com/finance/investing/check-calendar-before-buying-mutual-fund.aspx?pid=p:dlsWed, 07 Oct 2009 01:00:00 EDT A tale of two business offices, thousands of miles apart: Can travel expenses be deducted?http://www.bankrate.com/finance/taxes/deducting-travel-expenses8-133470.aspx?pid=p:dlsTue, 13 Oct 2009 01:00:00 EDT There are several ways for taxpayers to report the interest earned on savings bonds.http://www.bankrate.com/finance/taxes/deferring-interest-on-ee-bonds.aspx?pid=p:dlsThu, 08 Oct 2009 01:00:00 EDT Bank promotions promise to help you save with every purchase. But critics have their doubts.http://www.bankrate.com/finance/savings/spend-to-save-accounts-helpful-or-hoax-1.aspx?pid=p:dlsTue, 20 Oct 2009 01:00:00 EDT The estate tax is scheduled to die on Jan. 1, 2010, but don't go ordering funeral flowers just yet.http://www.bankrate.com/finance/personal-finance/r-i-p-estate-tax-maybe-1.aspx?pid=p:dlsTue, 20 Oct 2009 01:00:00 EDT Self-employed workers can choose from several retirement plans that vary in cost and complexity.http://www.bankrate.com/finance/financial-literacy/retirement-plans-for-self-employed-workers.aspx?pid=p:dlsTue, 20 Oct 2009 01:00:00 EDT Scheming to protect property from a Chapter 7 auction can bring you a world of pain.http://www.bankrate.com/finance/debt/3-common-property-missteps-in-bankruptcy.aspx?pid=p:dlsTue, 20 Oct 2009 01:00:00 EDT If you haven't kept up with financial accounts, you may lose them to the state. What should you do?http://www.bankrate.com/finance/investing/states-grab-unclaimed-property-1.aspx?pid=p:dlsTue, 20 Oct 2009 01:00:00 EDT We do the math on three personal indulgences. You may be surprised at how much you can save by giving one up.http://www.bankrate.com/finance/personal-finance/are-your-vices-foiling-your-finances--1.aspx?pid=p:dlsTue, 20 Oct 2009 01:00:00 EDT Four ways you can help your retirement recover from 2008's financial disasters.http://www.bankrate.com/finance/video/4-ways-to-fix-your-retirement.aspx?pid=p:dlsTue, 20 Oct 2009 01:00:00 EDT Victims of a presidentially declared disaster can use their tax filing to obtain much-needed cash.http://www.bankrate.com/finance/money-guides/disaster-relief-from-the-irs-1.aspx?pid=p:dlsMon, 19 Oct 2009 01:00:00 EDT Father wonders how financial aid will be affected if 529 plan is in grandparent's name instead of his.http://www.bankrate.com/finance/video/video-will-529-affect-financial-aid.aspx?pid=p:dlsMon, 19 Oct 2009 01:00:00 EDT In an added benefit, the money you squirreled away in a 529 plan can be withdrawn, penalty-free.http://www.bankrate.com/finance/college-finance/post-9-11-gi-bill-pays-children-s-college.aspx?pid=p:dlsMon, 19 Oct 2009 01:00:00 EDT Unsure what to do about taxes and shrinking investments? You can still plan your estate.http://www.bankrate.com/finance/personal-finance/estate-planning-in-uneasy-times-1.aspx?pid=p:dlsMon, 19 Oct 2009 01:00:00 EDT Your card rates are growing, and it may not be your credit that's the problem. It may be the bank's.http://www.bankrate.com/finance/debt/3-ways-to-master-a-credit-card.aspx?pid=p:dlsMon, 19 Oct 2009 01:00:00 EDT Ask yourself these five questions before selling a home without the help of a real estate agent.http://www.bankrate.com/finance/real-estate/should-you-sell-home-without-agent-1.aspx?pid=p:dlsMon, 19 Oct 2009 01:00:00 EDT An energy audit may save you money. Here's how to do it yourself or call in a specialist.http://www.bankrate.com/finance/video/do-an-energy-audit.aspx?pid=p:dlsFri, 16 Oct 2009 01:00:00 EDT The financial crisis has boosted the appeal of tax-favored bonds. But safety comes at a price.http://www.bankrate.com/finance/savings/tax-favored-bonds-get-second-look-1.aspx?pid=p:dlsFri, 16 Oct 2009 01:00:00 EDT Bucking a stifling recession for automakers, Subaru sales are up as it fills a niche in the industry.http://www.bankrate.com/finance/auto/car-buyers-keep-subaru-humming.aspx?pid=p:dlsFri, 16 Oct 2009 01:00:00 EDT Thinking of buying a foreclosure? Follow these tips to help assure you get a good deal.http://www.bankrate.com/finance/real-estate/7-steps-to-a-great-foreclosure-buy-1.aspx?pid=p:dlsFri, 16 Oct 2009 01:00:00 EDT By going to the lender first, you can determine how much car you can afford to buy.http://www.bankrate.com/finance/auto/find-financing-before-car-shopping.aspx?pid=p:dlsFri, 16 Oct 2009 01:00:00 EDT It's the season to enroll in your employer's benefit plans. Sign up for those that save you money.http://www.bankrate.com/finance/insurance/6-benefits-that-help-you-save-cash.aspx?pid=p:dlsFri, 16 Oct 2009 01:00:00 EDT Not sure what you need to get started with an estate plan? Here are nine essentials.http://www.bankrate.com/finance/personal-finance/9-key-estate-planning-tools-1.aspx?pid=p:dlsThu, 15 Oct 2009 01:00:00 EDT Before dipping into a 401(k) for living expenses, try a frugal spending plan while looking for a job.http://www.bankrate.com/finance/debt/no-job-means-bare-bones-budget.aspx?pid=p:dlsThu, 15 Oct 2009 01:00:00 EDT There are several ways consumers can save before the holidays to prevent a January bill hangover.http://www.bankrate.com/finance/personal-finance/best-ways-to-save-for-holiday-shopping.aspx?pid=p:dlsWed, 14 Oct 2009 01:00:00 EDT Credit crunch and recession cause term life insurance rates to rise for the first time in decades.http://www.bankrate.com/finance/insurance/term-life-rates-reverse-head-higher-1.aspx?pid=p:dlsWed, 14 Oct 2009 01:00:00 EDT New credit card law mandates 45 days' notice of increase but leaves out crucial opt-out option.http://www.bankrate.com/finance/credit-cards/tough-luck-on-minimum-payment-increases.aspx?pid=p:dlsWed, 14 Oct 2009 01:00:00 EDT A career coach says it's best to be honest about having been fired when you interview for a new job.http://www.bankrate.com/finance/personal-finance/5-steps-to-go-from-fired-to-hired.aspx?pid=p:dlsWed, 14 Oct 2009 01:00:00 EDT Next year, buying inflation protection in the form of a bond will be as easy as checking a box.http://www.bankrate.com/finance/taxes/turn-your-tax-refund-into-a-savings-bond.aspx?pid=p:dlsWed, 14 Oct 2009 01:00:00 EDT Did the stock market crash prompt a change in your investment strategy?http://www.bankrate.com/finance/financial-literacy/how-we-reacted-to-the-market-crash.aspx?pid=p:dlsWed, 14 Oct 2009 01:00:00 EDT A couple with ,000 left from an inheritance should choose one of three ways to spend it.http://www.bankrate.com/finance/mortgages/3-plans-for-40-000-inheritance.aspx?pid=p:dlsTue, 20 Oct 2009 01:00:00 EDT Don't wait for declining retirement accounts to return to earlier highs before making changes.http://www.bankrate.com/finance/investing/anchoring-ties-investors-to-mistakes.aspx?pid=p:dlsMon, 19 Oct 2009 01:00:00 EDT One homeowner has a chance to accomplish two of the three goals of refinancing a mortgage.http://www.bankrate.com/finance/mortgages/mortgage-refinance-has-3-goals.aspx?pid=p:dlsFri, 16 Oct 2009 01:00:00 EDT A prepayment penalty may undermine the benefit of refinancing at near-record-low mortgage rates.http://www.bankrate.com/finance/mortgages/prepayment-penalty-may-wreck-refinance.aspx?pid=p:dlsThu, 15 Oct 2009 01:00:00 EDT Making payments a month early reduces the interest expense on a simple-interest mortgage.http://www.bankrate.com/finance/mortgages/simple-interest-savings-can-add-up.aspx?pid=p:dlsWed, 14 Oct 2009 01:00:00 EDT The usual capital gains rules are different when the property is a like-kind exchange.http://www.bankrate.com/finance/taxes/reporting-gains-in-a-1031-exchange.aspx?pid=p:dlsTue, 20 Oct 2009 01:00:00 EDT When mom has died, how will interest on savings bonds held jointly with her daughter be taxed?http://www.bankrate.com/finance/taxes/tax-on-jointly-held-savings-bonds.aspx?pid=p:dlsThu, 15 Oct 2009 01:00:00 EDT Instead of trawling stores all the time, shop at the right time to get the best deals.http://www.bankrate.com/finance/money-guides/best-time-to-shop-fall-bargains.aspx?pid=p:dlsTue, 27 Oct 2009 01:00:00 EDT How a modified home loan affects your borrowing depends on how it's reported. Here's what to expect.http://www.bankrate.com/finance/debt/mortgage-modification-may-be-credit-downer.aspx?pid=p:dlsTue, 27 Oct 2009 01:00:00 EDT Readers share their financial nightmares in Bankrate's annual roundup of Halloween horrors.http://www.bankrate.com/finance/credit-cards/12-hair-raising-money-tales-1.aspx?pid=p:dlsTue, 27 Oct 2009 01:00:00 EDT When you own a small business, you need every tax deduction you can get.http://www.bankrate.com/finance/video/video-small-biz-deductions.aspx?pid=p:dlsTue, 27 Oct 2009 01:00:00 EDT You can lower your Chapter 13 bankruptcy payment, if you're not hung up by one of these obstacles.http://www.bankrate.com/finance/debt/4-limits-on-modifying-bankruptcy.aspx?pid=p:dlsTue, 27 Oct 2009 01:00:00 EDT No Swiss account? These tax shelters are OK by the IRS and accessible to most taxpayers.http://www.bankrate.com/finance/personal-finance/thank-heaven-for-legal-tax-havens-1.aspx?pid=p:dlsTue, 27 Oct 2009 01:00:00 EDT Does the decline in housing prices mean your homeowners coverage and premium are too high?http://www.bankrate.com/finance/insurance/time-to-reassess-your-homeowners-policy-1.aspx?pid=p:dlsTue, 27 Oct 2009 01:00:00 EDT The financial crisis has resulted in scores of bank failures. Here are the largest, by asset size.http://www.bankrate.com/finance/savings/10-biggest-bank-failures-so-far-1.aspx?pid=p:dlsTue, 27 Oct 2009 01:00:00 EDT The earlier you begin investing, the better your prospects for getting rich.http://www.bankrate.com/finance/video/retirement-in-your-20s.aspx?pid=p:dlsFri, 23 Oct 2009 01:00:00 EDT Annuities have good and bad points. Dig deep to learn all the restrictions, fees and taxes involved.http://www.bankrate.com/finance/financial-literacy/pros-and-cons-of-annuities-1.aspx?pid=p:dlsFri, 23 Oct 2009 01:00:00 EDT The government's proposal for fuel economy will cost drivers initially but save over the car's life.http://www.bankrate.com/finance/auto/new-fuel-standard-pay-now-save-later.aspx?pid=p:dlsFri, 23 Oct 2009 01:00:00 EDT While sharing his wisdom on reality TV, the Donald also tweets, blogs and charms Facebook friends.http://www.bankrate.com/finance/fame-fortune/fame-fortune-donald-trump.aspx?pid=p:dlsFri, 23 Oct 2009 01:00:00 EDT A home's true value boils down to what a willing buyer and seller can agree to.http://www.bankrate.com/finance/real-estate/how-much-is-that-house-worth.aspx?pid=p:dlsFri, 23 Oct 2009 01:00:00 EDT Sure, a just-bought, returned car would be discounted, but don't bet on anybody bringing one back.http://www.bankrate.com/finance/auto/is-a-returned-gm-car-a-good-deal.aspx?pid=p:dlsFri, 23 Oct 2009 01:00:00 EDT Everyone has an estate. If you don't plan for the distribution of your assets, the state has a backup plan.http://www.bankrate.com/finance/personal-finance/the-basics-of-estate-planning-1.aspx?pid=p:dlsThu, 22 Oct 2009 01:00:00 EDT Mom and dad can offer moral support but should never cover their child's debt.http://www.bankrate.com/finance/debt/parents-make-your-kid-pay-student-loan.aspx?pid=p:dlsThu, 22 Oct 2009 01:00:00 EDT Rather than focusing on credentials, first check out an adviser's background, experience and references.http://www.bankrate.com/finance/video/finding-a-financial-pro.aspx?pid=p:dlsWed, 21 Oct 2009 01:00:00 EDT You need a pro when designing an estate plan. But there are some aspects you can take on yourself.http://www.bankrate.com/finance/personal-finance/estate-planning-diy-or-pro-1.aspx?pid=p:dlsWed, 21 Oct 2009 01:00:00 EDT Purchasing a little bit of extra insurance may go a long way toward securing your future.http://www.bankrate.com/finance/insurance/6-overlooked-insurance-policies-1.aspx?pid=p:dlsWed, 21 Oct 2009 01:00:00 EDT The economic crisis reminds humor columnist Jay MacDonald that a few grins go a long way.http://www.bankrate.com/finance/personal-finance/keeping-a-smile-as-the-world-melts-down.aspx?pid=p:dlsWed, 21 Oct 2009 01:00:00 EDT Taking an early distribution from a tax-deferred account can endanger long-term financial goals.http://www.bankrate.com/finance/retirement/ira-withdrawal-endangers-retirement.aspx?pid=p:dlsTue, 27 Oct 2009 01:00:00 EDT Diverting a little extra cash into your mortgage can save you tens of thousands of dollars.http://www.bankrate.com/finance/mortgages/extra-payments-cut-mortgage-by-12-years.aspx?pid=p:dlsFri, 23 Oct 2009 01:00:00 EDT A talk with a financial adviser may help a woman design a better retirement asset allocation plan.http://www.bankrate.com/finance/retirement/roth-ira-strategy-stalls.aspx?pid=p:dlsFri, 23 Oct 2009 01:00:00 EDT A first-time homebuyer is wise to buy some financial wiggle room, even if it costs ,000.http://www.bankrate.com/finance/mortgages/mortgage-flexibility-not-cheap.aspx?pid=p:dlsThu, 22 Oct 2009 01:00:00 EDT Closing a bank account should have no impact on a credit score, since credit was not extended.http://www.bankrate.com/finance/credit-cards/bank-account-woes-won-t-hurt-credit.aspx?pid=p:dlsWed, 21 Oct 2009 01:00:00 EDT A couple wonders if interest on a HELOC is tax deductible if the loan is used for an LLC.http://www.bankrate.com/finance/taxes/when-a-heloc-is-used-for-a-business.aspx?pid=p:dlsTue, 27 Oct 2009 01:00:00 EDT Job-related moving expenses are deductible on your tax return if you meet certain IRS tests.http://www.bankrate.com/finance/taxes/deducting-moving-expenses8-128066.aspx?pid=p:dlsThu, 22 Oct 2009 01:00:00 EDT You might not even realize you're in the slender slice of the population that is retirement-rich.http://www.bankrate.com/finance/retirement/could-you-be-saving-too-much.aspx?pid=p:dlsTue, 03 Nov 2009 01:00:00 EST Anybody can find out about your financial problems in bankruptcy, and that includes your boss.http://www.bankrate.com/finance/debt/your-bankruptcy-is-an-open-book.aspx?pid=p:dlsTue, 03 Nov 2009 01:00:00 EST These plans let you buy tuition credits in advance. But they're not as risk-free as widely believed.http://www.bankrate.com/finance/college-finance/college-529-prepaid-tuition-plans-at-risk-1.aspx?pid=p:dlsTue, 03 Nov 2009 01:00:00 EST If you're looking for inflation protection, be wary of the I bond's low fixed rate.http://www.bankrate.com/finance/investing/i-bond-rate-improves-but-be-cautious.aspx?pid=p:dlsTue, 03 Nov 2009 01:00:00 EST The IRS says certain fees may be counted under a 529 plan, but health premiums aren't among them.http://www.bankrate.com/finance/college-finance/health-insurance-not-qualified-529-expense.aspx?pid=p:dlsMon, 02 Nov 2009 01:00:00 EST If you have an asset that will increase significantly in value, be tax-smart and put it into a trust.http://www.bankrate.com/finance/personal-finance/trusts-can-provide-for-tax-efficient-estate-planning.aspx?pid=p:dlsMon, 02 Nov 2009 01:00:00 EST ()http://www.bankrate.com/blogs/federal-reserve/fed-outlook.aspx?pid=p:dlsMon, 02 Nov 2009 01:00:00 EST Rather than fight with a collector on the phone, consider -- then act on -- your real options.http://www.bankrate.com/finance/debt/debt-collection-brings-out-the-worst-in-us.aspx?pid=p:dlsMon, 02 Nov 2009 01:00:00 EST The foreclosure crisis has not been kind to renters. A new federal law aims to change that.http://www.bankrate.com/finance/mortgages/renters-get-relief-from-foreclosure-1.aspx?pid=p:dlsMon, 02 Nov 2009 01:00:00 EST How does your family plan on dividing up actual property without disrupting the harmony?http://www.bankrate.com/finance/personal-finance/splitting-up-family-home-1.aspx?pid=p:dlsFri, 30 Oct 2009 01:00:00 EDT Delaying inevitable work means inflated costs and greater stress when you can least afford either.http://www.bankrate.com/finance/real-estate/4-urgent-home-fixes-before-you-retire-1.aspx?pid=p:dlsFri, 30 Oct 2009 01:00:00 EDT Return-of-premium policies are expected to cost much more in 2010, or vanish entirely.http://www.bankrate.com/finance/insurance/huge-changes-for-rop-insurance-in-2010-1.aspx?pid=p:dlsFri, 30 Oct 2009 01:00:00 EDT It's likely a money loser because the greatest depreciation on a new car occurs in the first year.http://www.bankrate.com/finance/auto/if-i-trade-year-old-car-will-i-lose-money.aspx?pid=p:dlsFri, 30 Oct 2009 01:00:00 EDT Test drive your retirement community a few times before deciding to make it your home.http://www.bankrate.com/finance/retirement/video-finding-a-retirement-community.aspx?pid=p:dlsFri, 30 Oct 2009 01:00:00 EDT Here are cheap ways to harness the sun's energy.http://www.bankrate.com/finance/video/5-cheap-ways-to-go-solar.aspx?pid=p:dlsThu, 29 Oct 2009 01:00:00 EDT Mounting debt and a fixed retirement income may make bankruptcy your last, best choice.http://www.bankrate.com/finance/debt/life-changing-crisis-demands-drastic-action.aspx?pid=p:dlsThu, 29 Oct 2009 01:00:00 EDT Boost savings by cutting the cable and building an HD antenna.http://www.bankrate.com/finance/personal-finance/homemade-hd-antenna-saves-hundreds.aspx?pid=p:dlsThu, 29 Oct 2009 01:00:00 EDT When the chilly winds blow, get your home, your car and your life ready.http://www.bankrate.com/finance/personal-finance/21-ways-to-winterize-your-life-1.aspx?pid=p:dlsThu, 29 Oct 2009 01:00:00 EDT The service is available at a range of costs, but is it the right choice for you and your heirs?http://www.bankrate.com/finance/personal-finance/do-it-yourself-wills-online-1.aspx?pid=p:dlsWed, 28 Oct 2009 01:00:00 EDT Retirees can avoid outliving their money by buying annuities, but they can be complex and costly.http://www.bankrate.com/finance/financial-literacy/guaranteed-income-for-life-1.aspx?pid=p:dlsWed, 28 Oct 2009 01:00:00 EDT On the road to fiscal responsibility, should she consider getting a second secured card?http://www.bankrate.com/finance/credit-cards/reformed-debtor-wants-to-fix-score.aspx?pid=p:dlsWed, 28 Oct 2009 01:00:00 EDT Several Web sites help you write your will yourself. Who should use them?http://www.bankrate.com/finance/video/video-creating-a-will-online.aspx?pid=p:dlsWed, 28 Oct 2009 01:00:00 EDT Twitter isn't just for chatting. The social networking site can also be a tool to find deals and discounts.http://www.bankrate.com/finance/personal-finance/how-to-use-twitter-to-save-cash.aspx?pid=p:dlsWed, 28 Oct 2009 01:00:00 EDT An adjustable-rate mortgage may look great today, but it could become a trap if rates rise.http://www.bankrate.com/finance/mortgages/low-arm-rate-may-turn-ugly-later.aspx?pid=p:dlsTue, 03 Nov 2009 01:00:00 EST An investor in a money market mutual fund wonders if the net asset value is incorrect.http://www.bankrate.com/finance/investing/fund-s-share-price-jolts-investor.aspx?pid=p:dlsMon, 02 Nov 2009 01:00:00 EST A woman who won a trip to Bora Bora will have to share her bounty with the U.S. government.http://www.bankrate.com/finance/taxes/uncle-sam-wants-slice-of-prize-winnings.aspx?pid=p:dlsFri, 30 Oct 2009 01:00:00 EDT The statute of limitations on debt varies and depends on the nature of the money owed.http://www.bankrate.com/finance/savings/when-does-your-debt-expire.aspx?pid=p:dlsThu, 29 Oct 2009 01:00:00 EDT An 18-year-old woman qualifies for the homebuyer tax break even if her father co-signs the loan.http://www.bankrate.com/finance/taxes/co-signer-s-daughter-can-get-tax-credit.aspx?pid=p:dlsWed, 28 Oct 2009 01:00:00 EDT There is an exception to the underpayment penalty if you take RMD late in the year.http://www.bankrate.com/finance/taxes/penalty-on-required-minimum-distributions.aspx?pid=p:dlsTue, 03 Nov 2009 01:00:00 EST In a divorce, the medical expenses of the ex-spouse may be deductible as alimony.http://www.bankrate.com/finance/taxes/deducting-court-ordered-cobra-payments.aspx?pid=p:dlsThu, 29 Oct 2009 01:00:00 EDT