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Getting Started
Updated - May 15, 2008


Borrowing from Your 401(k)
Is it wise to borrow from your retirement plan?

Tips on Giving Good Wedding Gifts
When you’re trying to decide what to give and how much to spend.

Travel Packing: Cheap and Light!
Just grab your bag and go in style.

Fun, Frugal Father’s Day Gift Ideas
Celebrate dad and make him proud of your financial smarts, too!

Things I Wish I’d Known as a High School Graduate
Getting off to a good start financially.

Choosing Wanderlust Over Homeownership
Do you really need that home?

Retirement Nest Egg
How much do you need for retirement?

Dangerous Information
How valuable is your Social Security number?



How credit card APRs work
Balance transfers, cash advances and purchases typically have different APRs. Card issuers apply payments to lower interest rate balances first.

Extreme credit card limits
One of the cardinal rules of responsible credit card usage is to apply for only as much credit as you need. A sizable group of consumers take a different approach: Apply for as much credit as you can get.

Despite lingering online fears, virtual credit cards stall
Although the paranoia that spawned them and the hoopla that accompanied their birth have died down, virtual credit cards are still available for those who want extra assurance.

Teaching old credit cards new tricks
Some creative crafts people are happy to breathe new life into old cards -- and are doing their part to keep that plastic from heading to the landfill.





Joint Bank Account During Engagement?
Richard wants to get started on the right foot with his fiance, but his first idea might not be right.

We Traded In Our Paid-For Car!
"Did we keep it and enjoy our reward? NOPE. We went looking for a NEW vehicle to have bigger and better," Elizabeth said.

The government or the Roth?
What is the best way for Lee to grow his money for retirement?

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.



Understanding and Protecting Credit

A 14-lesson guide to understanding and protecting your credit.

This week's lesson:
Lesson 14: Fighting Back Against Credit Card Company Practices
Don't fall prey to credit card company tactics that are designed to take advantage of consumers.

Previous lessons:
Lesson 1: Be Credit Smart
Being credit smart can help you save a lot of money, and make life a lot less complicated and stressful.

Lesson 2: Your Credit Report
Your credit report is an important key to your financial future, because it can cost you or save you a lot of money.

Lesson 3: Your Credit Score
Your credit score is one of your most valuable financial assets!

Lesson 4: Is Your Credit Score Accurate?
It is very important to check your credit reports on a regular basis to make sure everything is accurate!

Lesson 5: How to Improve Your Credit Score
Make sure you get the credit you deserve.

Lesson 6: Credit Monitoring
Monitoring your credit can be a wise investment to help protect your credit, and your good name.

Lesson 7: Identity Theft
Get the facts on the fastest growing crime.

Lesson 8: Identity Theft Part II
Know these 7 common warning signs.

Lesson 9: Identity Theft Part III
Steps you can take and habits you can practice to reduce your chances of becoming an identity theft victim.

Lesson 10: Identity Theft Victims
Immediate steps to take if you think you have become victim to identity theft.

Lesson 11: Keys to Credit
It's important to start off on the right foot when establishing and using credit.

Lesson 12: Separating Fact from Myth
Separating credit facts from myths can help you better understand and manage your credit.

Lesson 13: Top Ten List of Worst Credit Card Company Practices
Be careful not to become trapped by these credit card company tricks.

Credit Action Center:
Check Your Credit
Monitor Credit Daily
Get 3-in-1 Credit Report

Other Credit Learning Center Resources:
Loan Savings Center
Comparison Shopping
Personal Finance
Financial Planning
The Insurance Center
Car Buying Strategies



Sallie Mae error kills loan holders' credit scores
A change in how Sallie Mae reported to credit reporting agencies has caused the credit scores of loan holders to plummet in days. Here's what to do if you've been affected.

Keep intention clear when voiding check
Voiding a check is a simple matter, says Dr. Don Taylor.

Weekly payments don't affect FICO score
Paying your bill weekly doesn't hurt your FICO score, says Dr. Don Taylor.

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

12 money gifts for mom
Forget the flowers! Help mom get something she could really use.

Hire identity theft help or do-it-yourself
Want to reduce the risk of becoming the next victim? You can hire identity theft protection services or take measures to help yourself.

Don't say 'I do' to car loan for fiance
Never take out a loan for your beloved until you've said "I do," says Bankrate car columnist Terry Jackson.

Car-buying services shop for you
Here are six things to know before hiring a car-buying service to find your next set of wheels.

Risks of online public records
Think you've got your personal information under control? Some of it may appear in online public records -- which is yet another avenue for ID theft when enough personal information is exposed.

'Timing' market big gamble for first-time buyers
It's a real estate buyers market in most areas of the country but many would-be purchasers -- especially first-timers -- may be outsmarting themselves by waiting for prices to fall still further.

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

Son wants to saddle dad with bad loan
A son has reason to fear becoming the target of his father's lawsuit, says Bankrate car columnist Terry Jackson.

5 great used cars for bargain hunters
Don't overlook five used-car gems that are easy on both fuel and your wallet, says Bankrate car columnist Terry Jackson.

Bankrate's guide to auto buying.

Getting Started
Before you go car shopping, do your homework. Know what you want and how you plan to pay for it.

Shop 'til You Drop
Whether shopping online or off, discover how to track down the best vehicle at the best price.

The Buying Experience
You know your budget and did your shopping. Now, it's time to bargain with the seller.

The Leasing Experience
Leasing makes sound, financial sense in certain situations and for certain people. Is that you?

Financing the Deal
Shop for a loan just as you'd shop for a vehicle. Do your homework before signing on the dotted line.

Insuring Your Vehicle
Buying a new car, or a different one than the one you now own, will mean a change in insurance costs.

Bankrate's guide to understanding the fundamentals of taxes.

Withholding
For most folks, taxes start with withholding. See if you're doing it right.

Forms and Filing
Learn the nitty-gritty of finding whether you have to file, and if so on what form and with which tax table.

Deductions
You had better know your deductions if you want to pay the least amount of tax.

Credits
Credits are even better than deductions, because they reduce taxes more. Know which ones you qualify for.

Life Events and Taxes
Plan to own a home? Raise a family? Start a business? As your life changes, so will your tax needs.

Tax Details
These are the little details that are the difference between owing and not owing the IRS.

Bankrate's guide to obtaining, managing and using credit cards wisely.

Matching the Card to Your Lifestyle
The smart consumer selects the card that matches his or her spending and payment habits.

Credit Reports, Credit Scores and You
Here's how to order and read your credit reports and how your credit score is affected by the reports.

Costs and Fees
You found a credit card with a great low interest rate. Good for you. Now, what about the fees?

Managing Your Cards
You pay promptly and never go over the limit. But, do you know your consumer rights?

Using Credit Wisely
Savvy spenders use credit carefully. Discover when it's smart to pull out a card and when it's not.

Special-Need Card Users
Here are the cards best for first-time applicants, students and for those with bruised credit.