Bensman Risk Management, Inc.


Insurable Interests

Bensman Risk Management, Inc.
2333 Waukegan Road Suite 275
Bannockburn, IL 60015
847-572-0800 Phone
847-572-0502 Fax

Insurable Interests may offer general financial, insurance, tax and business ideas. However, due to the ever-changing tax laws as well as the complexity of the financial industry, you should seek professional advice before implementing any of the ideas contained in this newsletter. The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C. assumes no liability whatsoever in connection with the use of this newsletter.

Insurable Interests was created by The Bensman Group and Osmosis Digital Marketing. Neither The Bensman Group nor Kestra IS nor Kestra AS are affiliated with Osmosis Digital Marketing.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), Member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS). Kestra IS and Kestra AS are not affiliated with The Bensman Group, Bensman Associates Ltd., Bensman Risk Management, Inc. or Schemata, L.L.C.

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Insurable Interests

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Financial Interests



VOL. 13, ISSUE 3   •   NOVEMBER, 2017
Best Places to Retire Abroad
Your money might take you further if you look outside the U.S. READ MORE...


VOL. 13, ISSUE 3   •   NOVEMBER, 2017
Pricing a Neighborhood
How can you know if the house you want is priced correctly for the neighborhood? READ MORE...


VOL. 13, ISSUE 2   •   OCTOBER, 2017
Things That Turn Off Homebuyers
If you are selling your house, get rid of these things. READ MORE...


VOL. 13, ISSUE 2   •   OCTOBER, 2017
Tips for Starting a Business
There are some things you should know before you start your own business. READ MORE...


VOL. 13, ISSUE 1   •   SEPTEMBER, 2017
Finding the Credit Card for You
There are many options in credit cards. Know what to ask to find the one that is best for you. READ MORE...


VOL. 13, ISSUE 1   •   SEPTEMBER, 2017
Seasonal Chores That Save You Money
As the calendar turns to fall, taking care of these home maintenance chores will save you money. READ MORE...


VOL. 12, ISSUE 12   •   AUGUST, 2017
Saving Tips That Might Not Work
Sometimes the conventional wisdom about saving may not be so wise. READ MORE...


VOL. 12, ISSUE 12   •   AUGUST, 2017
Overcoming Anxiety in Networking
Networking is essential to developing in your career. But what if it does not come naturally to you? READ MORE...


VOL. 12, ISSUE 11   •   JULY, 2017
Tips for Business Travelers
Do you fly for business? Here are some ways to make the trip go more smoothly. READ MORE...


VOL. 12, ISSUE 11   •   JULY, 2017
College Money Topics
There are lots of things to remember as a child prepares to go off to college. Here are some money matters to add to the list. READ MORE...


VOL. 12, ISSUE 10   •   JUNE, 2017
Cost of Raising a Child Might Surprise You
As any parent knows, raising a child is expensive. Very, very expensive. READ MORE...


VOL. 12, ISSUE 10   •   JUNE, 2017
What Home Inspectors Check
Both buyers and sellers can benefit from a home inspection. READ MORE...


VOL. 12, ISSUE 9   •   MAY, 2017
Jobs That Pay You to Travel
Are you long on wanderlust but short on funds? There are many jobs that provide both travel and a paycheck. READ MORE...


VOL. 12, ISSUE 9   •   MAY, 2017
Fed Hikes and Mortgages
Rising interest rates may mean some changes in the process of shopping for a home mortgage. READ MORE...


VOL. 12, ISSUE 8   •   APRIL, 2017
Bargain Destinations for 2017
If you have a big sense of adventure but a small budget, these destinations are for you. READ MORE...


VOL. 12, ISSUE 8   •   APRIL, 2017
Starting a Vegetable and Herb Garden
Growing your own vegetables and herbs can save you money and boost the flavor of your meals. READ MORE...


VOL. 12, ISSUE 7   •   MARCH, 2017
IRS Warns of Tax-Time Scams
Tax season is also scam season. The IRS urges you to watch out for these common attempts to steal your information. READ MORE...


VOL. 12, ISSUE 7   •   MARCH, 2017
Do Meal-Prep Plans Make Financial Sense?
You no doubt have noticed the proliferation of services that deliver everything you need to make dinner directly to your door. But do they make sense financially? It depends. READ MORE...


VOL. 12, ISSUE 6   •   FEBRUARY, 2017
Tips for Buying Jewelry
If you are planning to surprise your special someone with a piece of jewelry, take care to get the best deal. READ MORE...


VOL. 12, ISSUE 6   •   FEBRUARY, 2017
Habits of Productive People
Why do some people tend to get more done than others? Productive people just do things differently. READ MORE...


VOL. 12, ISSUE 5   •   JANUARY, 2017
How to Save Money on Heat
Some forecasters predict that parts of the country are headed into a polar vortex -- a period of extremely cold temperatures. How can you stay warm without breaking the bank? READ MORE...


VOL. 12, ISSUE 5   •   JANUARY, 2017
Keeping Your Resolutions
The new year is a time for resolutions. Here is some advice for keeping yours. READ MORE...


VOL. 12, ISSUE 4   •   DECEMBER, 2016
Protecting Your Home When You Are Not There
There are steps you can take to keep your house safe when you are away. READ MORE...


VOL. 12, ISSUE 4   •   DECEMBER, 2016
Is a Condo Right for You?
Are you thinking about buying a condo? Experts suggest that you consider several issues before you make an offer. READ MORE...


VOL. 12, ISSUE 3   •   NOVEMBER, 2016
Saving on Holiday Hosting
Gift-giving is not the only expense of the holidays. Hosting can drain your bank account too, unless you take some steps to save money. READ MORE...


VOL. 12, ISSUE 3   •   NOVEMBER, 2016
Worst States for Retirees
There are lots of things that go into deciding where to retire, of course. But if you want your money to stretch as far as possible, you should steer clear of these 10 states. READ MORE...


VOL. 12, ISSUE 2   •   OCTOBER, 2016
How to File a Successful Complaint
If you want to file a complaint with a company, the way you go about it can make a difference in your ultimate success. READ MORE...


VOL. 12, ISSUE 2   •   OCTOBER, 2016
Fall Maintenance To Do Now
Fall brings colorful leaves, football games -- and home maintenance to take care of before winter. READ MORE...


VOL. 12, ISSUE 1   •   SEPTEMBER, 2016
Navigating the Farmers Market
As the season's bounty fills the stalls, here are some suggestions for making the most of your farmers market. READ MORE...


VOL. 12, ISSUE 1   •   SEPTEMBER, 2016
When Does Food Really Expire?
You might be able to avoid wasting food -- and money -- by gaining a better understanding of what various food expiration dates really mean. READ MORE...


VOL. 11, ISSUE 12   •   AUGUST, 2016
Take Advantage of Shoulder Season Travel
Some of the greatest travel bargains are to be had during shoulder seasons, those few months between cheaper and more expensive times in a specific location. READ MORE...


VOL. 11, ISSUE 12   •   AUGUST, 2016
What Your College Student Does NOT Need
If you or someone you know is sending a freshman off to college, you no doubt have a huge list of things to buy. But you probably can trim that list significantly. READ MORE...


VOL. 11, ISSUE 11   •   JULY, 2016
Navigating a Seller's Real Estate Market
These suggestions can help you find a home in a seller's market. READ MORE...


VOL. 11, ISSUE 11   •   JULY, 2016
Cutting the Cost of Flying
Air travel is great, especially when you get a good deal on a ticket. Here's how to find a fare for less. READ MORE...


VOL. 11, ISSUE 10   •   JUNE, 2016
Trimming Landscaping Costs
Landscaping can make your outdoors beautiful, but it also can be expensive. Here are some ways to keep the costs down. READ MORE...


VOL. 11, ISSUE 10   •   JUNE, 2016
Should You Rent a Car for Vacation?
There are pros and cons to renting a car for a vacation rather than driving your own. It can depend on the type of car you have, where you are going, and more. READ MORE...


VOL. 11, ISSUE 9   •   MAY, 2016
Home Fixes to Make Your Life Easier
If your tax refund is burning a hole in your pocket, or if you have other disposable money, here are some suggestions that could make your life easier. READ MORE...


VOL. 11, ISSUE 9   •   MAY, 2016
Common FAFSA Errors to Avoid
Filling out a FAFSA form is the first step in getting financial aid for college. However, many people make mistakes on the form. Here are five common errors to avoid. READ MORE...


VOL. 11, ISSUE 8   •   APRIL, 2016
Best Time to Buy Expensive Items
It doesn't make much difference when you buy a pair of socks or a gallon of milk. But if you are shopping for a car or a computer, there are times when the bargains are greater. READ MORE...


VOL. 11, ISSUE 8   •   APRIL, 2016
Home To-Do List for Spring
Spring chores around the house can save you money -- and help keep you safe. READ MORE...


VOL. 11, ISSUE 7   •   MARCH, 2016
Being Happy in Retirement
Retirement can be a wonderful time of life. But there are a lot of things you should consider before you decide to take the plunge. READ MORE...


VOL. 11, ISSUE 7   •   MARCH, 2016
Drying Out Your Smartphone
You know that sick feeling you get when you realize your smartphone is covered in liquid? Well there are some things you can do to save it. READ MORE...


VOL. 11, ISSUE 6   •   FEBRUARY, 2016
Watch Out for These Scams
Scammers are always thinking up new ways to separate people from their money. Here are some new scams as well as some old favorites. READ MORE...


VOL. 11, ISSUE 6   •   FEBRUARY, 2016
Value Travel Destinations for 2016
You don't have to be wealthy to see the world. Here are some options for the budget traveler. READ MORE...


VOL. 11, ISSUE 5   •   JANUARY, 2016
Saving on Wedding Costs
A wedding does not have to leave you broke. There are ways you can throw a lovely wedding without spending a fortune. READ MORE...


VOL. 11, ISSUE 5   •   JANUARY, 2016
What's the Deal with Chip Credit Cards?
You probably have received new credit cards with microchip technology. But what's the difference between these and the old magnetic strip cards? READ MORE...


VOL. 11, ISSUE 4   •   DECEMBER, 2015
Year-End Financial To-Do List
The end of the year is around the corner. Here are some financial things you should do by New Year's Eve. READ MORE...


VOL. 11, ISSUE 4   •   DECEMBER, 2015
Guidelines for Holiday Tipping
You would like to remember your hairstylist or your letter carrier or your dog groomer with a gift at the holidays. But how much is appropriate? READ MORE...


VOL. 11, ISSUE 2   •   NOVEMBER, 2015
Saving Money in the Kitchen
The kitchen is often called the center of the home. It also can be the center of your efforts to avoid wasting money. READ MORE...


VOL. 11, ISSUE 2   •   NOVEMBER, 2015
Five Things That Can Keep You from Financial Success
The things you are not doing can hold you back from achieving your financial goals. READ MORE...


VOL. 11, ISSUE 1   •   OCTOBER, 2015
Where to Retire if You Are Rich
Most articles about retirement locations focus on places where you can stretch your nest egg. But what if money were no object? READ MORE...


VOL. 11, ISSUE 1   •   OCTOBER, 2015
Best Things to Sell at Garage Sales
Adding these items to your garage sale can help boost your profits. READ MORE...


VOL. 10, ISSUE 12   •   SEPTEMBER, 2015
Autumn Chores Can Save Money in Winter
Now that the lazy days of summer are over, it is time to turn to some projects to get your home ready for winter. READ MORE...


VOL. 10, ISSUE 12   •   SEPTEMBER, 2015
DIY Halloween Costumes
The average family spends more than $100 on Halloween, and a fair amount of that goes for costumes. But you can save money by making your own. READ MORE...


VOL. 10, ISSUE 11   •   AUGUST, 2015
Curb Appeal Matters
You know that the outside of your house is the first thing potential buyers see when you are selling your home. So don't sabotage this most important first impression. READ MORE...


VOL. 10, ISSUE 11   •   AUGUST, 2015
Best Colleges for the Money
All colleges are not created equal. Here is a list of the schools that give students (and their parents) the best bang for their bucks. READ MORE...


VOL. 10, ISSUE 10   •   JULY, 2015
Worst States for Retirement
Are you or someone you know thinking about retirement? Here are some states to avoid. READ MORE...


VOL. 10, ISSUE 10   •   JULY, 2015
Tips on Saving Water
Conserving water can help you save money while you protect the environment. And it is easier than you might think. READ MORE...


VOL. 10, ISSUE 10   •   JUNE, 2015
Everyday Savings Tips
Saving money on the shopping you do every day can really add up over time. READ MORE...


VOL. 10, ISSUE 10   •   JUNE, 2015
Controlling Cooling Costs
Air conditioning bills can take a huge bite out of your budget. But there are things you can do to trim the costs without sweltering in your house. READ MORE...


VOL. 10, ISSUE 9   •   MAY, 2015
What Baby Gear Can You Get Used?
For small people, babies require a lot of stuff. If you are about to welcome a grandchild, you can save money by buying used. But you should be careful. READ MORE...


VOL. 10, ISSUE 9   •   MAY, 2015
Best Cities for Early Retirement
If you are thinking about early retirement, and especially if you want to work at least part time, here are 10 cities you should consider. READ MORE...


VOL. 10, ISSUE 8   •   APRIL, 2015
Financial Issues Before the Wedding
If you are about to marry, you have a lot to think about. But you should put financial planning at the top of the list. READ MORE...


VOL. 10, ISSUE 8   •   APRIL, 2015
Should You Buy a Home Warranty?
You know that a major home repair can put a major dent in your finances. But is a home warranty the answer? READ MORE...


VOL. 10, ISSUE 7   •   MARCH, 2015
What Should You Shred?
You know that shredding is an important way to avoid identity theft. But you are drowning in paperwork. So what should you shred? READ MORE...


VOL. 10, ISSUE 7   •   MARCH, 2015
Overlooked Retirement Spots
Everyone knows the advantages of traditional retirement spots in the Sun Belt. But here are six possibilities you might not have considered. READ MORE...


VOL. 10, ISSUE 6   •   FEBRUARY, 2015
Best Places to Retire Abroad
If you are thinking outside the box about your retirement options, consider these top international retirement destinations. READ MORE...


VOL. 10, ISSUE 6   •   FEBRUARY, 2015
What Home Renovations Pay Off?
If you want to increase the value of your home, there are some renovations that pay off -- and others that don't. READ MORE...


VOL. 10, ISSUE 5   •   JANUARY, 2015
Financial Resolutions for the New Year
In addition to resolving to lose weight and spend more time with your family, take steps to get your financial house in order. READ MORE...


VOL. 10, ISSUE 5   •   JANUARY, 2015
Tips for Working from Home
Whether you work from home all the time or only occasionally, here are some things that can make the experience more successful. READ MORE...


VOL. 10, ISSUE 4   •   DECEMBER, 2014
Check Out These Bargain Destinations
Interested in seeing the world on a budget? Here are some places where your travel dollar will go further in 2015. READ MORE...


VOL. 10, ISSUE 4   •   DECEMBER, 2014
Help With Downsizing
Moving can be a monumental undertaking at any age. But when you are older, it is especially difficult. Special services can help lighten the load. READ MORE...


VOL. 10, ISSUE 3   •   NOVEMBER, 2014
When Does Travel Insurance Make Sense?
If you ever have booked a trip through a travel agent, you probably have been offered travel insurance. Should you buy it? It depends. READ MORE...


VOL. 10, ISSUE 3   •   NOVEMBER, 2014
Budgeting for the Holidays
Budgeting for the holidays takes discipline and creativity. But it can be done. READ MORE...


VOL. 10, ISSUE 2   •   OCTOBER, 2014
The Danger of Job Burnout
Job burnout can be worse for your heart than virtually any other coronary risk factor. But there are some things you can do to deal with burnout and the resulting stress. READ MORE...


VOL. 10, ISSUE 2   •   OCTOBER, 2014
When to Choose Generic
Sometimes it pays to buy generic, and sometimes it does not. The trick is to know which is which. READ MORE...


VOL. 10, ISSUE 1   •   SEPTEMBER, 2014
Fall Yard Work Checklist
Fall is the best time to take steps to ensure that you don't have to make major repairs on your yard and garden when summer comes around again. READ MORE...


VOL. 10, ISSUE 1   •   SEPTEMBER, 2014
Should You Prepay Your Loans?
Prepaying your mortgage or your college loans sounds like a great idea. And for some people it is. But not for everyone. READ MORE...


VOL. 9, ISSUE 12   •   AUGUST, 2014
Top Retirement States Might Surprise You
The top state for retirees, according to the latest Bankrate study, has neither beaches nor endless summer. But it does have low costs, low crime and excellent health care. READ MORE...


VOL. 9, ISSUE 12   •   AUGUST, 2014
Budgeting for Rover
A dog can give you a lifetime of love. However, it doesn't come free. READ MORE...


VOL. 9, ISSUE 11   •   JULY, 2014
Keeping Your Home Cool This Summer
You know you can turn up your thermostat to save money on your cooling costs. But here are some things you might not have thought of that can help your house keep its cool this summer. READ MORE...


VOL. 9, ISSUE 11   •   JULY, 2014
Winning a Bidding War for a House
Low inventory in many areas has ignited bidding wars on some home sales. How can you avoid getting into a bidding war over the home you want -- or win the war? READ MORE...


VOL. 9, ISSUE 10   •   JUNE, 2014
Slicing Your Meat Budget
Meat can take a big bite out of your food budget. But you can cut your meat costs -- and eat healthier as well. READ MORE...


VOL. 9, ISSUE 10   •   JUNE, 2014
Saving on Summer Vacation
Summer vacations are great, but they can cost a bundle. Use some strategies to help you get away for less. READ MORE...


VOL. 9, ISSUE 9   •   MAY, 2014
Thrift-Shopping Tips
Shopping at thrift stores, flea markets or yard sales not only saves money; it's fun. And who knows what kind of treasure you might find? READ MORE...


VOL. 9, ISSUE 9   •   MAY, 2014
Caregiving and Your Job
There are many challenges to being a caregiver while you are still working. But there are some things you can do to make your life a little easier. READ MORE...


VOL. 9, ISSUE 8   •   APRIL, 2014
Grow Your Own Vegetables
Growing your own vegetables can save you money and improve your eating experience. And it is easier than you might think. READ MORE...


VOL. 9, ISSUE 8   •   APRIL, 2014
College Tuition Is Not Always What It Seems
Even the most expensive colleges might not be beyond reach. Start by looking for schools that are generous with their grant money. READ MORE...


VOL. 9, ISSUE 7   •   MARCH, 2014
Stay Safe from Spring Floods
Springtime brings robins, tulips -- and flooding. Know your risks, and prepare to protect yourself and your property from rising water. READ MORE...


VOL. 9, ISSUE 7   •   MARCH, 2014
Budget Destinations for 2014
Travel is even better when it costs less. Here are Budget Travel's suggestions for where to get the most for your travel dollar in 2014. READ MORE...


VOL. 9, ISSUE 6   •   FEBRUARY, 2014
Credit Card Hacking
If a credit card hacking incident is reported at a place where you shop, you should act quickly to protect yourself. READ MORE...


VOL. 9, ISSUE 6   •   FEBRUARY, 2014
Building Mental Toughness
Mental toughness often is an important factor in achieving success in your career and in your life. People who have mental toughness share a variety of characteristics -- including things that they do not do. READ MORE...


VOL. 9, ISSUE 5   •   JANUARY, 2014
Retiring on $30,000 a Year
Retirement has become much more challenging for many people as a result of the recession. But there are some places where you can live comfortably on $30,000 a year. READ MORE...


VOL. 9, ISSUE 5   •   JANUARY, 2014
Staging Your House for Less
If you are selling your home, you can hire a home stager to make your home look its best. But if you don't want to or can't afford to do that, there are several things you can do on your own. READ MORE...


VOL. 9, ISSUE 4   •   DECEMBER, 2013
Tax-Unfriendly States for Retirees
When it comes to taxes that affect retirees, all states are not created equal. These 10 can hit retiree income the hardest. READ MORE...


VOL. 9, ISSUE 4   •   DECEMBER, 2013
Smart Savings on Your Energy Bills
Keeping your house warm in winter -- and cool in summer -- can take a bite out of your budget. Here are some cost-effective ways to cut your energy bills. READ MORE...


VOL. 9, ISSUE 3   •   NOVEMBER, 2013
Holding the Line on Holiday Spending
Don't let your holiday spending get away from you. Have a plan. READ MORE...


VOL. 9, ISSUE 3   •   NOVEMBER, 2013
Bargain Travel Destinations
Want to stretch your travel budget? Head for one of Lonely Planet's 'Top Value' destinations. READ MORE...


VOL. 9, ISSUE 2   •   OCTOBER, 2013
Pros and Cons of Layaway
You might remember how, in the days before most people had multiple credit cards, layaway was how many holiday shoppers spread out the payments for big gifts. Does it still make sense? READ MORE...


VOL. 9, ISSUE 2   •   OCTOBER, 2013
Beware of Obamacare Scams
Insurance exchanges under Obamacare take effect this fall, and scammers are using the new law to try to get personal information. READ MORE...


VOL. 9, ISSUE 1   •   SEPTEMBER, 2013
Getting Something for Nothing
Travel can be expensive, but there are still some great free deals. Here are 10 of the best in the United States. READ MORE...


VOL. 9, ISSUE 1   •   SEPTEMBER, 2013
Making House Sharing Work
Alternative housing arrangements -- from young adults moving in with their parents to older people moving in together -- are on the rise. If you are considering such a move, how can you protect your interests? READ MORE...


VOL. 8, ISSUE 12   •   AUGUST, 2013
Don't Buy This at a Garage Sale
Looking for bargains at garage sales can be fun and profitable. But there are some things you should avoid. READ MORE...


VOL. 8, ISSUE 12   •   AUGUST, 2013
Job Satisfaction and Health
Workers with the highest job satisfaction also have better emotional and physical health than other employees. And doctors are at the top of the list. READ MORE...


VOL. 8, ISSUE 11   •   JULY, 2013
Shopping the Farmers Market
A farmers market can be a wonderful place to find fresh produce. But there is a strategy to getting the most out of your visit. READ MORE...


VOL. 8, ISSUE 11   •   JULY, 2013
House Hunting Traps
Looking for a house can be stressful, because you don't want to make an expensive mistake. These traps can turn your dream home into a nightmare. READ MORE...


VOL. 8, ISSUE 10   •   JUNE, 2013
Helping Out Your A/C
Setting your thermostat a little higher during the summer can save you money and help the environment. Here are some ways you can stay cooler without cranking up the A/C. READ MORE...


VOL. 8, ISSUE 10   •   JUNE, 2013
Considering a Vacation Home
Vacation home sales increased at double-digit rates in 2012. So how do you know if a vacation home is right for you? READ MORE...


VOL. 8, ISSUE 9   •   MAY, 2013
Spring Cleaning for Your Car
Your car can use a spring cleaning, to get rid of winter grime and get ready for warm-weather driving. READ MORE...


VOL. 8, ISSUE 9   •   MAY, 2013
Selling on Craigslist
Craiglist can be a great place to go if you want to de-clutter your house and pick up a little extra cash while you are at it. But there are some things you can do to help get the best price and avoid rip-offs. READ MORE...


VOL. 8, ISSUE 8   •   APRIL, 2013
Paying Less for the Right Hotel
When you travel, your hotel can eat up a lot of your budget. But there are some things you can do to control your costs without compromising. READ MORE...


VOL. 8, ISSUE 8   •   APRIL, 2013
How to Spend Your Tax Refund
If you got a tax refund this year, you have several options for spending it. Here are 10 of the best. READ MORE...


VOL. 8, ISSUE 7   •   MARCH, 2013
A New Way to Give
You probably are familiar with the BOGO -- buy one, get one free -- sale. But some retailers are offering another kind of BOGO: Buy one, give one. READ MORE...


VOL. 8, ISSUE 7   •   MARCH, 2013
Simple Financial Steps
Not everything you do to improve your financial picture has to be big and painful. Here are some simple steps you can take to put more money in your pocket. READ MORE...


VOL. 8, ISSUE 6   •   FEBRUARY, 2013
Saving on Entertainment
Going out might seem like a luxury. But with a little savvy and planning, you can fit entertainment into your budget. READ MORE...


VOL. 8, ISSUE 6   •   FEBRUARY, 2013
Job Search Mistakes
There are several mistakes that people make when looking for a job. Here's how to avoid them -- and boost your chances of being hired. READ MORE...


VOL. 8, ISSUE 5   •   JANUARY, 2013
Setting Up a Budget
If one of your new year's resolutions was to get a better handle on your spending, a budget is the best place to start. READ MORE...


VOL. 8, ISSUE 5   •   JANUARY, 2013
Staying Warm for Less This Winter
Heating your home can be expensive, but there are several ways you can cut your costs without sacrificing your comfort. READ MORE...


VOL. 8, ISSUE 4   •   DECEMBER, 2012
Winter Maintenance for Your Car
Preparing your car for winter weather and maintaining it throughout the winter can help you save money and stay safe. READ MORE...


VOL. 8, ISSUE 4   •   DECEMBER, 2012
Should You Join a Warehouse Club?
Are the prices at a warehouse club worth the limited selection and the shopping hassles? It depends on what you're buying. READ MORE...


VOL. 8, ISSUE 3   •   NOVEMBER, 2012
Holiday Tipping and Gifting
Here are some suggestions for how to handle tips and gifts for your hairstylist, your personal trainer, your dog groomer, your mail carrier and others who help make your life better and easier. READ MORE...


VOL. 8, ISSUE 3   •   NOVEMBER, 2012
Understanding Flood Coverage
The nation was moved by the tragedies that Hurricane Sandy caused as it slammed into the East Coast. And as cleanup continues, some homeowners are facing a devastating reality: They do not have insurance coverage for their losses. READ MORE...


VOL. 8, ISSUE 2   •   OCTOBER, 2012
Bring Sanity to Your Holiday Shopping
Worried about blowing your budget during the holidays? Here are some ways to avoid the overspending hangover. READ MORE...


VOL. 8, ISSUE 2   •   OCTOBER, 2012
Hiring a Contractor
Hiring a contractor can be confusing and frustrating. But if you follow some simple steps, you are more likely to be pleased with the work when it is finished. READ MORE...


VOL. 8, ISSUE 1   •   SEPTEMBER, 2012
Save on Great Fall Getaways
It can be a lot less expensive to travel in the fall, and here are a dozen excellent autumn destinations to get you started. READ MORE...


VOL. 8, ISSUE 1   •   SEPTEMBER, 2012
Encore Careers
Interest in an encore career --combining work and social concerns -- continues despite the recession. READ MORE...


VOL. 7, ISSUE 12   •   AUGUST, 2012
Five Popular Phone Scams
That phone call at dinner time can be more than annoying. It can be dangerous. READ MORE...


VOL. 7, ISSUE 12   •   AUGUST, 2012
Car Repair Mistakes to Avoid
Car repairs can be expensive, so you don't want to pay more than necessary. Here's a list of expensive repair mistakes to avoid. READ MORE...


VOL. 7, ISSUE 11   •   JULY, 2012
Eliminating Workplace Distractions
Distractions at work make it hard to do your job and can add to your stress level. Try these tips to eliminate distractions and work more efficiently. READ MORE...


VOL. 7, ISSUE 11   •   JULY, 2012
Improving Your Credit Score
There are several things you can do to improve your credit score -- and your financial picture. READ MORE...


VOL. 7, ISSUE 10   •   JUNE, 2012
Eating for Less on Vacation
If you are traveling, saving money on food can help make your vacation more affordable. READ MORE...


VOL. 7, ISSUE 10   •   JUNE, 2012
Home Improvements That Pay Off
When you undertake a home improvement, you want to know that it will make a difference when you sell your home. But some improvements pay off better than others. READ MORE...


VOL. 7, ISSUE 9   •   MAY, 2012
Medical Tests You Don't Need
Unnecessary medical tests are expensive, and they can lead to the stress of false diagnoses. Doctors list several tests you don't need. READ MORE...


VOL. 7, ISSUE 9   •   MAY, 2012
House Hunting Tips
More people appear to be sticking their toes back into the real estate market. If you are one of them, here are some things to avoid when house hunting. READ MORE...


VOL. 7, ISSUE 8   •   APRIL, 2012
Teaching Good Saving Habits
You help the children in your life learn all kinds of things that will serve them well later in life. So help them learn to be good savers. READ MORE...


VOL. 7, ISSUE 8   •   APRIL, 2012
Recession Sets Back Many Retirement Plans
The financial crisis has left Americans less prepared for retirement and more worried about both their present and their future financial situation. READ MORE...


VOL. 7, ISSUE 7   •   MARCH, 2012
Monthly Bargain Guide
You know you can find something on sale any time. But certain items traditionally go on sale at certain times of the year. READ MORE...


VOL. 7, ISSUE 7   •   MARCH, 2012
Picking a Personal Trainer
A personal trainer can help you get and keep your fitness program on track -- but only if you choose the right trainer. READ MORE...


VOL. 7, ISSUE 6   •   FEBRUARY, 2012
Finding a Job After 50
Older people looking for a job face a wide array of challenges. But there are some things you can do to ease your path to finding a job after 50. READ MORE...


VOL. 7, ISSUE 6   •   FEBRUARY, 2012
Buying an Engagement Ring
If your child or grandchild has asked for your help shopping for an engagement ring, or if you are in the market yourself, there are some things to know before you start visiting jewelers. READ MORE...


VOL. 7, ISSUE 5   •   JANUARY, 2012
Overlooked Retirement Towns
What retirees want is changing, and retirement destinations are changing with it. Here are some options you might have overlooked. READ MORE...


VOL. 7, ISSUE 5   •   JANUARY, 2012
Resolutions for Your Financial Health
You probably made a New Year's resolution to get healthier. But you also should resolve to work on your financial health. READ MORE...


VOL. 7, ISSUE 4   •   DECEMBER, 2011
Saving Money at Disney World
A visit to Walt Disney World is a classic American vacation. And it doesn't have to cost you an arm and a leg. READ MORE...


VOL. 7, ISSUE 4   •   DECEMBER, 2011
Computing in the Cloud
You no doubt have heard the buzz about computing in the cloud. But what exactly is the cloud, and what can it do for you? READ MORE...


VOL. 7, ISSUE 3   •   NOVEMBER, 2011
Great Cities for Retirees
There are lots of options for retirement living, depending on what you want to do. But Forbes recently listed some of the best places to pursue your retirement dreams. READ MORE...


VOL. 7, ISSUE 3   •   NOVEMBER, 2011
Avoiding Holiday Internet Scams
Tis the season to be on the lookout for a variety of holiday-inspired Internet scams. READ MORE...


VOL. 7, ISSUE 2   •   OCTOBER, 2011
Preparing Your Home for Winter
Winter is just around the corner, and it's time to make sure your house is ready for the cold and snow. READ MORE...


VOL. 7, ISSUE 2   •   OCTOBER, 2011
Managing Holiday Expectations
The holiday season will be here before you know it, so now is the time to start managing expectations -- yours and those of your children, family and friends READ MORE...


VOL. 7, ISSUE 1   •   SEPTEMBER, 2011
Common Email Pitfalls
You probably use email all the time, not only to communicate with friends but also to communicate in a business setting. But be careful with your business communication, because email can trip you up. READ MORE...


VOL. 7, ISSUE 1   •   SEPTEMBER, 2011
The Cost of Raising Kids
According to a recent report from the U.S. Department of Agriculture, it will cost middle-class parents almost a quarter of a million dollars to raise a child born in 2010 to the age of 18. READ MORE...


VOL. 6, ISSUE 12   •   AUGUST, 2011
Tax Havens for Retirees
When you are choosing a place to retire, some states are more tax-friendly than others. And low taxes can help your retirement nest egg go further. READ MORE...


VOL. 6, ISSUE 12   •   AUGUST, 2011
Remodeling for Your Future
If you are remodeling your kitchen or bathroom, it can be smart to make a few adjustments to make living easier as you age. READ MORE...


VOL. 6, ISSUE 11   •   JULY, 2011
Trimming Air Conditioning Costs
When the weather gets hot, you love your home air conditioner -- until you get the bill. But there are things you can do to keep your A/C from taking too big a bite out of your budget. READ MORE...


VOL. 6, ISSUE 11   •   JULY, 2011
Farmers' Markets
One of the great joys of summer is the farmers' market, where you can get fresh produce and homemade foods -- and catch up with the neighbors. READ MORE...


VOL. 6, ISSUE 10   •   JUNE, 2011
Mistakes Parents Teach Kids About Money
Parents try to teach their children all kinds of lessons. But many parents are teaching the wrong lessons about money, according to Forbes.com. READ MORE...


VOL. 6, ISSUE 10   •   JUNE, 2011
Conducting an Effective Job Interview
Whether you own your own business or work in a supervisory capacity, you probably will find yourself conducting a job interview. There are things you can do to ensure that you find the best person for the job. READ MORE...


VOL. 6, ISSUE 9   •   MAY, 2011
Best Value in Colleges
The Princeton Review and USA TODAY list the colleges that offer the best value. READ MORE...


VOL. 6, ISSUE 9   •   MAY, 2011
2011 Energy Tax Credits
Although the tax breaks for making your home more energy-efficient are not as generous in 2011 as they were in 2010, there still are benefits to making several home improvements. READ MORE...


VOL. 6, ISSUE 8   •   APRIL, 2011
A Look at the Happiest Employees
The nation's happiest employees are not necessarily those who make the most money, according to a recent study. In fact, there are lots of things that go into making an employee happy on the job. READ MORE...


VOL. 6, ISSUE 8   •   APRIL, 2011
Pay Attention to Tech Etiquette
Technology etiquette breaches can make you look bad in front of your colleagues and your boss, and even can cost you your job. READ MORE...


VOL. 6, ISSUE 7   •   MARCH, 2011
Shopping Estate Sales
An estate sale can be the perfect place to find anything from a new couch to deck furniture to baseball cards. You just need to know where -- and how -- to look. READ MORE...


VOL. 6, ISSUE 7   •   MARCH, 2011
Good Places to Retire Abroad
If you always wanted to explore the world, you might consider retiring abroad. AARP recently suggested five places where the retirement living is exceptional. READ MORE...


VOL. 6, ISSUE 6   •   FEBRUARY, 2011
Good Cities for Homebuyers
The housing market continues to sputter over much of the nation. However, according to AOL's personal finance website, there are some bright spots. READ MORE...


VOL. 6, ISSUE 6   •   FEBRUARY, 2011
What To Do With Your Tax Refund
So you filed your taxes, and now you are getting a nice refund. What should you do with this welcome windfall? READ MORE...


VOL. 6, ISSUE 5   •   JANUARY, 2011
The Value of Home Improvements
Home improvements can make your home more attractive and livable. But some home improvements also can pay off better than others when you decide to sell your house. READ MORE...


VOL. 6, ISSUE 5   •   JANUARY, 2011
The Yearly Review
Maybe your New Year's resolutions include more trips to the gym or less time on the BlackBerry. But you also should see if you need to make some New Year's resolutions in your financial life. READ MORE...


VOL. 6, ISSUE 4   •   DECEMBER, 2010
Helping Your Child Choose a Bank
Your child has a job or is heading off to college, and needs to open a bank account. There are lots of banks, with lots of offerings. How do you help your child cut through the clutter? READ MORE...


VOL. 6, ISSUE 4   •   DECEMBER, 2010
A Guide to Free Stuff
Who doesn't love a bargain, especially in times like these? And free is the best bargain of all. READ MORE...


VOL. 6, ISSUE 3   •   NOVEMBER, 2010
Handling the Holiday Budget
The holidays can be expensive under the best of circumstances, and celebrating in the midst of an economic downturn takes a lot of discipline and creativity. READ MORE...


VOL. 6, ISSUE 3   •   NOVEMBER, 2010
A Look at Fair Trade
Fair trade is an ethical issue, but it also is a pocketbook issue. How can you determine whether the benefit to the producers justifies the additional cost you might have to pay? READ MORE...


VOL. 6, ISSUE 2   •   OCTOBER, 2010
Do Extended Warranties Make Sense?
When you buy an appliance or an electronic item, the salesperson probably asks if you want to buy an extended warranty. Should you say yes? READ MORE...


VOL. 6, ISSUE 2   •   OCTOBER, 2010
Best Companies for Working Moms
The companies that make Working Mother's list of 100 Best Companies take special care to help women achieve a balance between their work and the rest of their lives. READ MORE...


VOL. 6, ISSUE 1   •   SEPTEMBER, 2010
Saving on Car Rentals
Renting a car can add substantially to the cost of your trip. But there are some things you can do to help keep your costs down and end up with more money to spend on fun. READ MORE...


VOL. 6, ISSUE 1   •   SEPTEMBER, 2010
Where the Jobs Are
The nation's unemployment woes are serious and well-documented. But there are states where unemployment is low and opportunity is high. Most of these are states with small populations and diverse economies. READ MORE...


VOL. 5, ISSUE 12   •   AUGUST, 2010
Even the Wealthy Face Retirement Risk
A significant number of Americans, even in the highest income brackets, won't have enough money to support them 10 or 20 years into retirement, according to a study by the Employee Benefit Research Institute. READ MORE...


VOL. 5, ISSUE 12   •   AUGUST, 2010
Passport Prices Increase
It just got a little more expensive to travel overseas, as the cost of a U.S. passport book or card went up on July 13, 2010. READ MORE...


VOL. 5, ISSUE 11   •   JULY, 2010
Farm-Fresh Produce, Without the Farm
In the good old days, when you wanted tomatoes or some green beans, you walked out to the garden and picked them. Now you can have farm-fresh food, even if you don't have a farm. READ MORE...


VOL. 5, ISSUE 11   •   JULY, 2010
Break Your Own Oil Dependence
If you are like many people, the heartbreaking scenes from the huge oil spill in the Gulf of Mexico have made you anxious to do your part to reduce the nation's oil dependency. There are some things you can do to cut your own use of oil. READ MORE...


VOL. 5, ISSUE 10   •   JUNE, 2010
Best Cities for the Next Decade
Although most experts agree that the U.S. economy is strengthening, it is strengthening more quickly in some places than in others. The editors of Kiplinger's Personal Finance Magazine have identified the 10 U.S. cities that offer the best economic opportunities over the next decade. READ MORE...


VOL. 5, ISSUE 10   •   JUNE, 2010
Using Your Credit Cards Abroad
Your credit card can be the easiest and safest way to pay for things when you travel abroad. However, there are things you can do to ensure that you don't pay more than you have to. READ MORE...


VOL. 5, ISSUE 9   •   MAY, 2010
Switch Fonts, Save Money
Saving money is top of mind for almost everyone these days. And you can save a surprising amount of money just by changing your printer font. READ MORE...


VOL. 5, ISSUE 9   •   MAY, 2010
Summer Vacation Savings
Summer, the traditional vacation season, is fast approaching. As you plan your time off, take time to consider a number of ways to help stretch your vacation budget. READ MORE...


VOL. 5, ISSUE 8   •   APRIL, 2010
Staging Your Home
Increasingly, sellers are hiring home stagers, experts who make your home look more attractive to potential buyers. But even if you can't afford a professional stager, you can borrow a few of their tips. READ MORE...


VOL. 5, ISSUE 8   •   APRIL, 2010
Making It Easier to Go Green
Making your home more energy-efficient can save money in the long run, but it can be a big expense upfront. The federal government, as well as state and local governments and utilities, have programs to ease the pain of going green. READ MORE...


VOL. 5, ISSUE 7   •   MARCH, 2010
Credit Card Changes Take Effect
Most of the massive credit card reform act that was passed in 2009 took effect Feb.22, 2010, and those changes could have a big effect on your credit card bill. READ MORE...


VOL. 5, ISSUE 7   •   MARCH, 2010
Understanding the Toyota Recall
Toyota, which also makes Lexus, has recalled millions of cars. How do you know if yours is among them, and what should you do if it is? READ MORE...


VOL. 5, ISSUE 6   •   JANUARY, 2010
Planning a Wedding for Less
Your child got engaged, and now you have a wedding to plan. How can you help create a lovely wedding without sending yourself to the poorhouse? READ MORE...


VOL. 5, ISSUE 6   •   JANUARY, 2010
Haiti and Internet Safety
The tragedy in Haiti has tapped the compassion of Americans, but it also has tapped the avarice of Internet scammers and identity thieves. Here are some things to watch out for to stay safe on the Net. READ MORE...


VOL. 5, ISSUE 5   •   JANUARY, 2010
Affordable Retirement Options
U.S. News & World Report offers a list of affordable retirement options you might not have thought of. READ MORE...


VOL. 5, ISSUE 5   •   JANUARY, 2010
2010 Census Cautions
The U.S. government is counting us all in the 2010 Census. However, there are some precautions to take to avoid being caught in a Census scam. READ MORE...


VOL. 5, ISSUE 4   •   DECEMBER, 2009
Year-End Financial Chores
Late December is about more than holiday parties -- it is the time to make sure you have tied up all your financial loose ends before the calendar turns to a new year. READ MORE...


VOL. 5, ISSUE 4   •   DECEMBER, 2009
Holiday Tips and Gifts
Holiday tipping and gifting can be confusing in the best of times. In economic times like these, it really can make you feel like Scrooge. Here's some guidance for spreading the cheer. READ MORE...


VOL. 5, ISSUE 4   •   DECEMBER, 2009
Taking a Breath
This could be a good time to take a breath and to evaluate where you are and what you learned as a result of the financial crisis. READ MORE...


VOL. 5, ISSUE 3   •   NOVEMBER, 2009
Saving on Health Care
You knew about the high cost of health care even before it became the hot topic in Congress. But don't wait for changes out of Washington -- there are things you can do right now to help cut your health care costs. READ MORE...


VOL. 5, ISSUE 3   •   NOVEMBER, 2009
The Art of Collecting Wine
A growing appreciation for wine is leading more Americans to become collectors -- for profit and for their own enjoyment. READ MORE...


VOL. 5, ISSUE 2   •   OCTOBER, 2009
Hitting Up Grandpa
Almost two-thirds of grandparents say they have provided financial support to their grown children or grandchildren. If you are among them, just be sure your generosity is not short-changing yourself READ MORE...


VOL. 5, ISSUE 2   •   OCTOBER, 2009
The Value of Networking
Businesspeople are always looking for ways to expand their business in the most cost-effective way possible. A networking group can fill this need -- as long as it does not grow to take up more time than it is worth. READ MORE...


VOL. 5, ISSUE 1   •   SEPTEMBER, 2009
Trusting Your Children
From the moment you first gazed into the face of your newborn, you promised that you would always protect and care for that child. But what if you are not around to keep your promise? A trust can help keep it for you. READ MORE...


VOL. 5, ISSUE 1   •   SEPTEMBER, 2009
The Best Places to Launch a Career
Especially if you have a child who recently graduated from college, you know that the current economic crisis is making it very difficult to get started on a career. But even these days, it is easier in some places than in others. READ MORE...


VOL. 4, ISSUE 12   •   AUGUST, 2009
Number of Millionaires Declines
If your portfolio is suffering from the global economic crisis, you are not alone: The recession has resulted in a precipitous decrease in the number of millionaires worldwide READ MORE...


VOL. 4, ISSUE 12   •   AUGUST, 2009
The Value of Brainstorming
When you feel like you have run out of ideas, brainstorming can help you look at a situation in a whole new light. READ MORE...


VOL. 4, ISSUE 11   •   JULY, 2009
Flying for Less
Air fares are one of the best travel bargains, but they still can add up, especially if you are buying more than one ticket. And besides, who doesn't want to save some money when they can? Here are some ways to pare your fare. READ MORE...


VOL. 4, ISSUE 10   •   JUNE, 2009
Making the Most of Your Stay-Cation
So you have decided that vacationing close to home is the fiscally responsible thing to do in these uncertain times. Or perhaps you don't have the time or inclination to wander too far afield. Still, you don't have to scrimp on the fun. READ MORE...


VOL. 4, ISSUE 10   •   JUNE, 2009
Recession Bargains
There is a bright side to the recession: If you have money to spend, this is a good time to buy some big-ticket items READ MORE...


VOL. 4, ISSUE 9   •   MAY, 2009
Best Companies for Older Workers
If you are looking for a new job, a good place to start might be with AARP's best companies for workers over 50. READ MORE...


VOL. 4, ISSUE 9   •   MAY, 2009
The Return of the Kitchen Garden
Growing your own vegetables and herbs for the kitchen not only saves money; it provides better nutrition and taste. READ MORE...


VOL. 4, ISSUE 8   •   APRIL, 2009
Online Money Sites
Some online sites can help you save money, manage money and understand money. READ MORE...


VOL. 4, ISSUE 8   •   APRIL, 2009
Safe at Home
The recession is good for the home-safe business. But if you want a safe to store your valuables, be sure to understand the options before you buy. READ MORE...


VOL. 4, ISSUE 7   •   MARCH, 2009
Working from Home
Working from home sounds like a dream come true. And it can be -- as long as you know what you are getting into before you commit. READ MORE...


VOL. 4, ISSUE 7   •   MARCH, 2009
Some Things Really Are Cheaper
Not everything is going up in price. In fact, several things cost less than they did a decade ago. READ MORE...


VOL. 4, ISSUE 6   •   FEBRUARY, 2009
Best Cities for Job Hunting
If you are looking for a job, head to Madison, Wis. Or Washington, D.C. Here are 10 places where there still are jobs to be had. READ MORE...


VOL. 4, ISSUE 6   •   FEBRUARY, 2009
Distribution Change for 2009
The huge downturn in the stock market has led to a suspension of required minimum distributions from IRAs and 401(k) plans for 2009. READ MORE...


VOL. 4, ISSUE 5   •   JANUARY, 2009
Role of the Executor
Being executor of an estate is a big honor -- and a big responsibility. READ MORE...


VOL. 4, ISSUE 5   •   JANUARY, 2009
Insurance for Fido
You know the importance of having health insurance coverage for yourself. But what about Fido or Fluffy? Is pet insurance a ridiculous idea, or smart money management? READ MORE...


VOL. 4, ISSUE 3   •   NOVEMBER, 2008
Holiday Spending
The holidays can blow your budget out of the water. But with a little planning and discipline, you can stay solvent without coming off like Scrooge. READ MORE...


VOL. 4, ISSUE 3   •   NOVEMBER, 2008
Green Cleaning from the Pantry
Traditional cleaning products can damage the environment, and many commercially available "green" products can be costly. But there are less expensive alternatives right in your pantry. READ MORE...


VOL. 4, ISSUE 2   •   OCTOBER, 2008
Saving on Car Repair
Car repairs are always an inconvenience, and they can be a major financial hassle as well. But there are some things you can do to keep the costs down. READ MORE...


VOL. 4, ISSUE 2   •   OCTOBER, 2008
Dealing With Job Burnout
Do you dread going to work, and while you are there do you feel like you are overwhelmed or bored? You may be suffering from job burnout. READ MORE...


VOL. 4, ISSUE 1   •   SEPTEMBER, 2008
Making Allowances
Most experts agree that giving your kids an allowance can help them learn how to handle money, but only if you set the allowance up correctly. READ MORE...


VOL. 4, ISSUE 1   •   SEPTEMBER, 2008
Working from Home
Working from home sounds like a dream come true. And it can be -- as long as you know what you are getting into before you commit. READ MORE...


VOL. 3, ISSUE 12   •   AUGUST, 2008
The Car-Sharing Option
Owning a car in the city can be expensive and inconvenient. But being without a car can be a hassle, too. Car-sharing companies offer an alternative. READ MORE...


VOL. 3, ISSUE 12   •   AUGUST, 2008
Retirement Confidence Drops
The confidence of workers and retirees that they will able to afford a comfortable retirement is at its lowest level in years. READ MORE...


VOL. 3, ISSUE 11   •   JULY, 2008
Join the Club
Many people find that investing is easier in a group. Investment clubs let friends or co-workers pool their resources and their knowledge. This helps keep everyone on track, it is less intimidating, and it can be a lot of fun. READ MORE...


VOL. 3, ISSUE 11   •   JULY, 2008
When You Need an Appraisal
That pile of old coins you inherited from your Uncle Wally or that little watercolor you picked up years ago during a beach vacation may be worth a lot more than you think. But how do you find out? READ MORE...


VOL. 3, ISSUE 10   •   JUNE, 2008
Best Places to Start a Business 2008
If you already have or are just planning to start you own business, you know that you are looking not only for financial opportunities, but also for an opportunity to create the kind of life you want. Fortune Small Business magazine has released a list of the best places in the United States to live and start a business READ MORE...


VOL. 3, ISSUE 10   •   JUNE, 2008
The Role of the Fed
The Federal Reserve is charged with trying to keep the U.S. economy in balance. But how can it affect whether things go boom or bust? READ MORE...


VOL. 3, ISSUE 9   •   MAY, 2008
Internet Fraud at All-Time High
In 2007, Americans lost an all-time high $240 million to Internet scammers using a variety of approaches. READ MORE...


VOL. 3, ISSUE 9   •   MAY, 2008
Second Acts
You don't want to keep working at your current job forever, but you aren't sure you are ready to play golf all day. Maybe you are ready for a second act to your work life -- a new career that will keep you busy and fulfilled. READ MORE...


VOL. 3, ISSUE 8   •   APRIL, 2008
Gas: Guzzling or Sipping?
Using less gas helps your wallet and the environment. So what can you do to improve your mileage -- and your financial picture? READ MORE...


VOL. 3, ISSUE 8   •   APRIL, 2008
On the Cheap
There are many things that seem to decline with age: energy level, memory, hairline. But one of the benefits of getting older is that you can get more stuff for less. The senior discount has become a firmly established part of the American marketplace. READ MORE...


VOL. 3, ISSUE 7   •   MARCH, 2008
Saving Energy and Money
You can add insulation or put in an energy-efficient furnace to save money on your energy bill. But even small changes in the way you live can make a big dent in your costs. READ MORE...


VOL. 3, ISSUE 7   •   MARCH, 2008
Tighter Credit Looms for Everyone
The problems in the sub-prime lending market are translating into higher credit standards overall. So how can you ensure your credit rating is high enough for you to get the money you need? READ MORE...


VOL. 3, ISSUE 6   •   FEBRUARY, 2008
Summer Jobs for Teens
Many teens start looking for summer work long before the season arrives. How can your child find a job that will be safe, interesting and at least reasonably profitable? READ MORE...


VOL. 3, ISSUE 6   •   FEBRUARY, 2008
Understanding Market Volatility
The daily fluctuations in the stock market can make investors feel like they are on a roller coaster. But focusing on the longer term may help level out the ups and downs. READ MORE...


VOL. 3, ISSUE 5   •   JANUARY, 2008
The Value of Volunteering
You know you can help others by volunteering. But you may be surprised to find out how much you can also help yourself. READ MORE...


VOL. 3, ISSUE 4   •   DECEMBER, 2007
Smaller Homes
During the white-hot housing market of the last several years, it seemed that everyone was going big, knocking down modest homes and putting up McMansions. But increasingly, people are thinking that smaller may be better. READ MORE...


VOL. 3, ISSUE 4   •   DECEMBER, 2007
Budget to Save
As you make your resolutions for the new year, move this one to the top of the list: Resolve to draw up a budget that includes saving and then stick to it. READ MORE...


VOL. 3, ISSUE 3   •   NOVEMBER, 2007
Keeping to a Holiday Budget
Filled with the spirit of the season, you spend like Santa, and then you feel like Scrooge when you get the bills. But a little planning and self-control can keep you within budget on everything from gifts to cards to entertaining. READ MORE...


VOL. 3, ISSUE 3   •   NOVEMBER, 2007
Managing Windfalls
You have realized a large profit from the sale of your home or you inherited a bundle from your Aunt Maude, and now you are in the enviable position of deciding what to do with the money. What is the best way to manage a financial windfall? READ MORE...


VOL. 3, ISSUE 2   •   OCTOBER, 2007
Charitable Giving
Giving to charity not only can make you feel good, it can save you money on your taxes. Just make sure your contribution meets the IRS' criteria for charitable giving. READ MORE...


VOL. 3, ISSUE 2   •   OCTOBER, 2007
Teens and Credit
You thought once you had "the talk" with your kids, you were done with the important life lessons. But there is still one left: handling credit. READ MORE...


VOL. 3, ISSUE 1   •   SEPTEMBER, 2007
Think Globally, Buy Locally
Although the phrase is thrown around a lot, it is not often you find an actual win-win situation. But you really can get better value, keep your family safer and healthier, and help save the planet, all by taking a trip to the local farmer's market or food co-op. READ MORE...


VOL. 3, ISSUE 1   •   SEPTEMBER, 2007
Taking Inventory
Most businesses do it at least once a year. But should you also take inventory of what you own, in case you suffer a loss in a fire, flooding or other disaster? READ MORE...


VOL. 2, ISSUE 12   •   AUGUST, 2007
Do Extended Warranties Make Sense?
When you buy an appliance or an electronic item, the salesperson probably asks if you want to buy an extended warranty. Should you say yes? READ MORE...


VOL. 2, ISSUE 11   •   JULY, 2007
Disability Insurance
If you got sick or hurt and could not work for a long time, would you be able to pay your bills? Disability insurance can help, but it's important to understand what you need and what you're buying. READ MORE...


VOL. 2, ISSUE 10   •   JUNE, 2007
Building Trust
Trusts can be a powerful part of your estate plan, giving you a lot of control over who gets your money, when, and what they can do with it. But setting up a trust can be tricky, and if you don't do it right, you could end up doing something you did not intend. READ MORE...


VOL. 2, ISSUE 9   •   MAY, 2007
10 Tips for Showing Your Home
When you invite prospective buyers into your home for a showing, how can you help ensure that they like what they see? READ MORE...


VOL. 2, ISSUE 8   •   APRIL, 2007
Age-Restricted Housing
As Baby Boomers age, they are driving the growth of age-restricted housing developments, especially in places you might not expect. READ MORE...


VOL. 2, ISSUE 8   •   APRIL, 2007
Protecting Your Travel Plans
You plan a second honeymoon or a family trip to Europe, and you make the necessary reservations and put down deposits. But what if you can't go? Can you get your money back? READ MORE...


VOL. 2, ISSUE 7   •   MARCH, 2007
Finding Long-Term Care
Deciding that it is time for someone you love to move into a nursing home or assisted living is a very difficult decision. You can make it a little easier if you have a plan for choosing the right place. READ MORE...


VOL. 2, ISSUE 6   •   FEBRUARY, 2007
Doing Good with Your Money
Whatever your social interests -- the environment, peace, pro-choice or pro-life -- you can advance those causes through your investments. Socially responsible investing is a multi-trillion-dollar industry in the United States, and you might not have to sacrifice good returns when you put your money where your heart is. READ MORE...


VOL. 2, ISSUE 5   •   JANUARY, 2007
Balancing Your Budget
If you want to have more money left at the end of the month, you first need to understand how you spend. Then you can find ways to cut back, and that might let you increase the amount you are able to save for your future. It all starts with a budget. READ MORE...


VOL. 2, ISSUE 4   •   DECEMBER, 2006
Get a Regular Financial Checkup
You know you should get a physical checkup at least once a year to protect your health. An annual financial checkup can help you protect your financial health as well, and ensure that you stay on track to meet your goals. READ MORE...


VOL. 2, ISSUE 4   •   DECEMBER, 2006
Where There's a Will, There's a Way
Wills are not just for the wealthy. Everyone who owns anything and cares in the least about what happens to it should have a will. READ MORE...


VOL. 1, ISSUE 7   •   NOVEMBER, 2006
'At-Risk' for Retirement
A large number of U.S. households may not have the money they need to retire, according to a recent study by Boston College's Center for Retirement Research. READ MORE...


VOL. 1, ISSUE 6   •   OCTOBER, 2006
Mapping Your Goals
You are a long way down your financial road, but that may just mean it is a good time to pull over to the side for a few minutes and make sure you are still following the map to your goals. READ MORE...


VOL. 1, ISSUE 6   •   OCTOBER, 2006
Career Coaches
Coaches aren't just for Little League anymore. A career or life coach can help you determine where you want to go with your career, and how to get there. READ MORE...


VOL. 2, ISSUE 1   •   SEPTEMBER, 2006
You Can't Take it With You
You want to get the most out of your money while you are alive, of course. And you want that money to keep on working hard to take care of the people you love, once you aren't around to do it anymore. Estate planning is critical to protecting your heirs, but it also can be extremely complicated. READ MORE...


VOL. 2, ISSUE 1   •   SEPTEMBER, 2006
Buy or Lease? Depends on How You Drive
Getting a new set of wheels involves more than picking out color and deciding on options. In most cases, you can decide whether to buy or lease. And that usually depends on how you plan to use the car. READ MORE...


VOL. 1, ISSUE 12   •   JULY, 2006
Umbrella Insurance
Umbrella insurance picks up where your homeowner, auto or other liability coverage leaves off. Why might you need this extra protection? READ MORE...


VOL. 1, ISSUE 12   •   JULY, 2006
Working Longer
There can be significant financial benefits to delaying retirement past the usual age. And there may be other benefits as well, especially if you like your job and have your health. READ MORE...


VOL. 1, ISSUE 11   •   JUNE, 2006
Kids and Money
You are trying to teach your kids to be fiscally responsible, but you are not sure you are succeeding. How can you help your kids learn about money and prepare them for life ahead? READ MORE...


VOL. 1, ISSUE 11   •   JUNE, 2006
The Magic of Compounding
Compounding allows your money to grow almost like magic. All you have to do is sock away a sum in some sort of interest-bearing or returns-yielding account, and then sit back and wait. When you are ready to take the money out -- voila! -- you will have more than you put in. How much more depends on your rate of return and how long you wait. READ MORE...


VOL. 1, ISSUE 10   •   MAY, 2006
Hybrid Cars
Rising gas prices are also raising interest in hybrid cars. Hybrid cars are good for the environment, but they may not be quite as good for your wallet as you think. READ MORE...


VOL. 1, ISSUE 10   •   MAY, 2006
The Non-Profit Option
You may be feeling a little burnt out in your current job or wondering what you are actually accomplishing, and thinking about a switch to a career in the non-profit sector. How do you know if this course is really for you -- and if you can afford it? READ MORE...


VOL. 1, ISSUE 9   •   APRIL, 2006
Understanding Your Credit Score
Your credit score can determine the rate you pay for a mortgage or a car loan -- or whether you get the loan at all. How is your credit score calculated, how can you find out what it is, and how can you improve it? READ MORE...


VOL. 1, ISSUE 8   •   FEBRUARY, 2006
It's Never Too Early to Be Prepared
You would never purposely leave your loved ones rummaging through the house for important papers if you died or became incapacitated. But that is what might happen, unless you set things in order now. Even though you are in the prime of your life, you need to be prepared -- for yourself and for the ones you love. READ MORE...


VOL. 1, ISSUE 7   •   DECEMBER, 2005
More Join Millionaire Ranks
The ranks of American millionaires continue to grow, fueled in large part by the recovering stock market and expanding economy. And many of those millionaires live in California, according to a recent study. READ MORE...


VOL. 1, ISSUE 6   •   NOVEMBER, 2005
Long-Term Care Insurance
As the American population ages, more and more people are going to develop chronic illnesses and need long-term care. This care can be very expensive, wiping out your savings and leaving you with nothing to pass on to your heirs. Insurance can help ease the burden, but is it worth the cost? READ MORE...


VOL. 1, ISSUE 5   •   OCTOBER, 2005
Katrina and Internet Scams
The tragedy of Hurricane Katrina has attracted the attention of the world; including Internet scammers. Whenever you use the Net, exercise caution; or you could end up giving more than you bargained for. READ MORE...


VOL. 1, ISSUE 4   •   SEPTEMBER, 2005
Beneficiary Update
You probably named a beneficiary when you enrolled in a retirement plan or bought life insurance. But if you don't make sure your beneficiary forms are up to date, you could end up hurting the people you meant to help. READ MORE...


VOL. 1, ISSUE 4   •   SEPTEMBER, 2005
Beneficiary Update
You probably named a beneficiary when you enrolled in a retirement plan or bought life insurance. But if you don't make sure your beneficiary forms are up to date, you could end up hurting the people you meant to help. READ MORE...


VOL. 1, ISSUE 2   •   JULY, 2005
Identity Theft
You notice odd charges on your credit card bill, or you start getting bills for things you did not buy. You may be the victim of identity theft. How can you protect yourself, and what do you do if it happens to you? READ MORE...


VOL. 1, ISSUE 1   •   JUNE, 2005
Advance Directives
You are used to being in charge of your life. Every day you make decisions regarding yourself, your family, your job, your finances. But what if you could no longer make those decisions? How can you make sure there is someone to speak for you, if you become unable to speak for yourself? READ MORE...


VOL. 1, ISSUE 1   •   JUNE, 2005
When Loans Are All in the Family
Many people borrow money from family members for things like a down payment on a house. A family loan can be easier to get, and have better terms, than a loan from a traditional source. But there are also potential pitfalls, for both the lender and the recipient. READ MORE...


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