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Library Subject Index I to M

Insurance Investments Making Extra Money Medical Care Miscellaneous Mortgages
IRAs and Retirement Plans Laundry Lawns & Landscaping Legal Issues Loans, Borrowing Money Lending Money

A - C
D - F
G - H
I - M
N - Q
R - Z

Insurance

Auto
Credit Scores
Health
Health Savings Accounts
Homeowners
Life
Long-Term Care
Mortgage
Property
Saving and Retirement
Taking Stock
Unemployment and Disability
Vision and Dental

Insurance, Auto

Basics and FAQs
Car Rental
Claims
Choosing/Switching Insurers
Discounts and Savings
Mature Drivers
Teens and Young Adult Drivers

Auto Insurance, Basics and FAQs

How Much Car Insurance Do You Really Need? courtesy of Edmunds.com - It's bad enough you have to buy it, but don't buy more than you need.
Enough Auto Insurance? - Do you have the right kind and the right amount?
Does auto policy cover items stolen from my car? - You can insure valuables stored in your car, but don't assume car coverage takes care of it.
Will car insurance pay for extra expenses incurred in an accident? - Can I recoup additional costs after my insurer has reimbursed me for my wrecked car?
Should you pay car insurance in installments? - When you don't pay your premium all at once, you may face fees you won't believe.
2 easy steps to picking a car insurance deductible right for you - Find the deductible sweet spot to keep insurance and out-of-pocket costs affordable.
How does uninsured motorist coverage work? - If the other driver in a crash has no coverage, this policy kicks in. How much do I buy?
How much car insurance do you really need? - Some car coverage is mandatory, and some is optional but can still be a good idea.
How is an auto insurance quote determined? - Your age and credit help determine your auto insurance rate. What about car color?
Why does my insurer check my credit report? - Your credit record can be about as important as your driving record to an insurance company.
Should a car buyer reject auto gap insurance? - See if you should pay hundreds for coverage against the totaling of a new car.
Auto Liability Insurance by Gary Foreman

Auto Insurance, Car Rental

Do You Need that Rental Car Coverage?
When Renting a Car - Do you need to buy insurance?
How do I buy cheap rental car insurance? - Skip the rental car company if you need low-cost insurance. Here's where to look.
http://www.bankrate.com/loans/auto-loans/where-to-buy-car-insurance-away-from-the-rental-counter/?pid=p:dls Where to buy car insurance away from the rental counter - Buying a policy through a car rental agency can be costly. Here's a 2nd coverage option. Can I say no to rental car insurance? - Before you decline rental car insurance, make sure you're covered another way.
Where to buy car insurance away from the rental counter - Buying a policy through a car rental agency can be costly. Here's a 2nd coverage option.

Auto Insurance, Claims

10 Tips for Getting a Fair Car Insurance Settlement By Michelle Megna, Insurance.com - Maximize the size of the check you receive.
When not to file an auto claimVideo - Not sure if you should file a claim? Jean Chatzky shares insight to help you decide.
How to Negotiate an Auto Insurance Claim - Getting what you pay for from your insurance company.
Claims that boost your insurance rates - Certain types of claims are more likely to boost your insurance rates. Find out which may raise red flags.
Claims that boost your insurance rates - Certain types of claims are more likely to boost your insurance rates. Find out which may raise red flags.
How do I get a fair payout on a wrecked car? - If you think the insurance adjuster erred, there are ways to argue for more money.
Seek fair insurance payout on totaled car - Make sure your insurance company doesn't stiff you. Ask for replacement value on your car.
How much is that wrecked car worth? - Your car's value takes a hit in an accident. Will insurance make up the loss?
Negotiating With the Typical Claims Adjuster by Dan Baldyga - Good faith and good sense (1/13/03)
Getting Paid on an Auto Insurance Claim - part 2 by Gary Foreman (9/8/97)
Getting Paid on an Auto Insurance Claim - part 1 by Gary Foreman (9/1/97)

Auto Insurance, Discounts and Savings

Do You Know About These Auto Insurance Discounts? by Mark Heidelberger - They could save you some money!
4 Ways to Save on Auto Insurance by Susan Perna - Spending a few minutes could pay you well!
3 Steps, 10 Minutes to Auto Insurance Savings by Lisa Lobo - How to save money and stay protected.
Safe Drivers Really Can Save Money on Car Insurance by Renea Winchester - How much can insurance discounts save you?
8 Ways to Save on Auto Insurance by Vernon Williams - Fight the increase in driving costs.
GAP Insurance by Mark Albertson - A gap in your auto coverage could cost you thousands!
Find the best rate on auto insuranceVideo - Learn how to navigate the plethora of auto insurance options to get the best rate.
9 auto insurance deals you could be missing - Soldiers, sorority sisters and smart kids get special savings. See if there are any for you.
Save on Auto Insurance by Driving Less by Tiana Bodine - Fewer miles means a lower premium.

Auto Insurance, Mature Drivers

Stretching Boomers Auto Insurance Dollars by John Pirro - Don't pay needlessly high auto insurance rates.
The 5 most golden senior car insurance discounts - Drivers who have, uh, been around the block a few times can easily insure for less.
5 car insurance questions for older drivers - You may not need as much auto coverage in retirement. Here's what to consider.

Auto Insurance, Teens/Young Drivers

4 Ways to Reduce the Cost of Teen Auto Insurance by Lynn Kirkpatrick - Keeping your teen's auto insurance affordable.
How a teen gets added to Mom's auto insurance - Parents may be able to hold off the high cost of putting a teenager on their policy.
Top 4 auto insurance discounts for young drivers - Hosed by high insurance rates because you're under 25? See these ways to save.
Will I save on car insurance when I turn 25? - Very young drivers tend to draw very high premiums. Is it true things change at 25?
Can Mom's auto insurance cover car owned by son? - Sure, you want to help your child get on the road. Just don't take on too much risk!

Auto Insurance, Switching/Choosing Insurers

7 smart steps to switching your car insurance - Found a better deal on car coverage? Follow this plan for a smooth changeover.
How to window shop for your auto insurance - An expert says an hour of shopping for car insurance can save you hundreds of dollars.
5 shopping do's and don'ts of car insurance - Don't shop for auto coverage only by price. Consider these other elements before buying.
Switching Car Insurance by Mark Strohm - What you need to know before you shop your auto policy.

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Insurance, Claims

Claims that boost your insurance rates - Certain types of claims are more likely to boost your insurance rates. Find out which may raise red flags.
Get a Proper Settlement from Your Claim by Hans Peter Andersen (6/23/03)
Health insurance claim was denied? Appeal! - Don't take no for an answer from your health plan. Fight for payment in these steps.
Negotiate a Medical Settlement by Dan Baldyga - Control your case (2/24/03)
Your Insurance Claim by Dan Baldyga - Medical insights and expenses (11/11/02)
Insurance Claims by Dan Baldyga - How medical bills and reports affect your claim (9/16/02)

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Insurance, Credit Scores

How credit scores hit 4 types of insurance rates - Auto, home, health and life insurers may reward or punish you for your credit score.
The link between credit and insurance cost - You've worked hard to pay off your mortgage. Can that really raise your insurance costs?
Insurance Rates & Your Credit Score - Your auto insurance could be costing you more because of your credit score

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Insurance, Health

Insurance, Health
Insurance, Health Savings Accounts
Insurance, Long-Term Care
Insurance, Medicare
Insurance, Vision and Dental

Insurance, Medicare

10 things you must know before signing up for Medicare - Medicare has many enrollment periods, including one going on right now. Study up!
Medicare 101 courtesy of Grandparents.com - Your first step to choosing a Medicare plan is knowing your choices.
Once I reach Medicare age, does it mean the end of my health savings account? - See if a worker old enough for Medicare can keep getting HSA money from the boss.
When is the best time to file for Medicare? - Are you prepared for Medicare? Here's what to expect and how you can stay covered.
How to appeal a Medicare surcharge - You may not have to pay a Medicare surcharge if you meet the standards and appeal.
Is it costly to wait to apply for Medicare? - Some people should hold off on enrolling in Medicare. But is there a penalty?
5 things to do after Medicare enrollment - Medicare open enrollment is over, but that doesn't mean your job is done. Here are five things to do after selecting your coverage.
4 major Medicare sign-up mistakes - More than 10,000 boomers are turning 65 every day and becoming eligible for Medicare. Some of them are making serious mistakes when they sign up.
Apply for Medicare if you don't need it yet? - Seniors covered by health insurance may not have to rush to sign up for Medicare.
Medicare Advantage plans rated like hotels - A good Medicare Advantage plan? Consult the stars -- in the program's five-star rating system.
What Medicare doesn’t cover - Medicare doesn't cover everything, including expensive items such as hearing aids and dentures.
When is the best time to file for Medicare? - Bankrate's Dr. Don answers readers' questions on everything from student loans to home refinances.
5 tips for choosing a Medicare Part D plan - These tactics help you compare plans wisely.
6 questions about Medicare Advantage plans - Not sure if a Medicare Advantage plan is right for you or which plan to choose? Consider these tips.

Insurance, Health

6 sneaky health care and insurance 'gotchas' - Beware of "free" care that isn't really free and other medical billing booby traps.
Picking the right health insurance plan for you - We cut through insurance-speak to help you compare plans and make a good choice.
5 essential facts about health insurance - Find out the fundamentals every consumer needs to understand about health coverage.
How much health insurance should you have? - To find a plan that's "just right," do an examination of your needs and priorities.
Health insurance frequently asked questions - Find out what you want to know, starting with the basic question: What is health insurance?
Prescription Medication Savings - Tips for saving money on your prescription drugs at the pharmacy and online.
Surviving the Medical Maze - Tricks to get providers to deal fairly
Trapped Medical Records
Your Personal Health Plan - How can you put a lid on skyrocketing healthcare costs
Can Health Insurance Make You Sick? by Tammy Harrison
Negotiate a Medical Settlement by Dan Baldyga - Control your case
My Story: Medical Care for Less by Sybil - How one family handles medical care
Can Health Insurance Make You Sick? by Tammy Harrison
Your Insurance Claim by Dan Baldyga - Medical insights and expenses (11/11/02)
Insurance Claims by Dan Baldyga - How medical bills and reports affect your claim (9/16/02)

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Insurance, Health Savings Accounts

Health savings account rules and regulations - Health savings accounts can grow over time to become a significant part of your wealth.
Once I reach Medicare age, does it mean the end of my health savings account? - See if a worker old enough for Medicare can keep getting HSA money from the boss.
Is a health savings account an IRA in disguise? - Health savings accounts can grow over time to become a significant part of your wealth.

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Insurance, Homeowners

Will my home insurance pay me for cleaning up after a storm? - Your home insurance policy may put a price on your time and sweat in a disaster.
5 home insurance myths you may have fallen for - Old homes always cost less to insure? Don't believe that coverage cliche, or these others.
Will home insurance cover a bathtub flood? - Damage from water left running? Your home insurance may pay, not punish.
10 hidden home insurance credits - Here are 10 "hidden" home credits that may be available through your agent to cut down the cost of home insurance.
Does home insurance stand up to falling trees? - Got trees near your house? Your insurance probably won't leave you out on a limb.
Does home insurance cover termite damage? - Hungry termites can be a "bore." Find out if a homeowners policy "wood" cover the damage.
Which home upgrades knock down home insurance rates? - See which renovations will remodel your homeowners policy and save you 10 percent.
Leaky dishwasher ruined my floor. Am I covered? - When a dishwasher causes damage, insurance can be spotty. A policy must be scoured.
Homeowners Insurance and your Dog by Rich Finzer - Choose the wrong breed and you won't like your insurance company.
Am I insured against my neighbor's messy tree? - When leaves, bugs and goo are ruining rugs and floors, a standard policy might help.
Ways to lower home insurance Video - Want to save on insurance? Make sure to check on any new discounts your insurer may be offering.
Does ordinary homeowners insurance cover earthquakes? - When a house is on shaky ground, ordinary homeowners coverage may not be enough.
Will an injured guest hurt homeowner's premium? - Home insurance covers visitors' injuries in a way that might not risk friendships.
Flood insurance too high? You may have options - Competitors are wading in against the government's often pricey flood insurance.
Can I fight an increase in my homeowners insurance? - Blaming a pumped-up premium on plumbing problems? That logic might be all wet.
Can my insurer suddenly require a roof inspection? - A coverage change has insurance companies focusing new attention on old roofs.
How a home inventory can speed up a home insurance claim - Having an up-to-date home inventory handy when damage occurs could cut your wait for a claims check.
If a neighbor is stung, will I 'bee' covered by my homeowners insurance? - When you're blamed for bees, home insurance can be a repellent for liability costs.
Does home insurance outlive the homeowner? - The family of a deceased property owner may need to take action to sustain coverage.
5 renovations that can alter home insurance -- higher or lower - A home renovation can raise your insurance rate -- or lead to discounts.
Home insurance tips for snowbirds -When you divide your time between two nests, maintain insurance full time on both.
What's the right way to list names on home insurance? - If the family member paying the mortgage isn't first on the policy, does it matter?
Surprising things your home insurance covers - Here are several surprising coverages that are typically included in homeowners insurance.
11 easy ways to avoid hurricane damage - You can't control hurricanes, but you can minimize losses and save on insurance.
The financial blow from hurricane deductibles - Hurricanes can whip up steep home insurance deductibles. Will your pocket get hit?
Do I need an inspection to get home insurance? - An insurer may want to have a home checked out. Who pays for that?
Do you need insurance to close on a home purchse? - A lot goes into a home purchase. That includes insurance to protect the lender.
10 dogs most often blacklisted by insurers - Home insurance companies may bark that these breeds are too dangerous for coverage.
Will my insurance spike if I rent out my basement? - Taking on a downstairs tenant may not be much of a home insurance headache.
5 ways homeowners insurance bites dog owners - Dog lovers howl over breed blacklists, coverage denials and other insurer issues.
Home insurance now has its own firefighters - Insurance companies are sending in crews to battle flames and prevent losses.
How much home insurance should you buy? - Homeowners coverage depends on factors including construction costs and liability.
When a pipe bursts, what damage is covered? - Home insurance won't replace everything when bad plumbing floods your house.
5 roof types and their home insurance impacts - Top your home with the right material so your premiums won't go through the roof.
6 hazards your home insurance won't cover - Sewage, sinkholes and other threats may go beyond the protections of home coverage.
Why shop around for home insurance quotes? - Bankrate's survey finds home insurance prices can differ by as much as 188 percent.
How Your Fire Department's Rating Affects Your Insurance Bill by Jeffrey Steele - And what you can do to lower your bills.
Homeowners Insurance Cancelled by Gary Foreman - Can they refuse to insure you?
6 Ways to Save on Homeowner Insurance by Vernon Williams - Only buy the insurance you need. (3/16/09)
Black Mold by Gary Foreman - A 55% increase in premiums calls for action (8/12/02)
Homeowner's Insurance - Getting the most for your insurance dollar (3/26/01)
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Insurance, Life

Expert Interview: What You Need to Know Before You Buy Life Insurance by Paige Estigarribia - Read this before you make a decision.
Which is better for you: Term or permanent life insurance? - Permanent life insurance offers more options, but it's not always the answer.
2 reasons not to buy life insurance for kids - Life insurance coverage may not be the best idea for children. See how to decide.
2 reasons life insurance at your job probably isn't enough - You're fooling yourself if you don't think you need life insurance because you're covered at work.
The 2 most important times to buy life insurance - Having life insurance is particularly crucial when you reach a couple of milestones.
Can we borrow on our grandkids' life insurance? - To take out any life insurance loan, know who "owns" the policy and know the risks.
What if a life insurance company refuses to pay? - Beware of life insurance disputes that can worsen the pain of losing a loved one.
Can I convert my term life insurance with another company to avoid a premium hike? - Premiums can skyrocket when term life winds down. What can a policyholder do?
Life insurance reality check for young singles - Sure, you're young, but people may be depending on you. Don't shrug off coverage.
Would a life insurance company 'friend' you? - Your social media posts, tweets, pics and pins could make it tougher for you to find an affordable life insurance policy.
Why you need life insurance at midlife - Don't make the mistake of thinking your life insurance through work is all you need.
4 factors that raise a life insurance quoteVideo - Find out the different factors that go into determining the rate you'll pay for life insurance.
In your 30s with kids? You need life insurance - Think life insurance is beyond your family budget? You can't afford not to have it.
6 simple steps to ace a life insurance physical - You can rock your health exam and save thousands of dollars on insurance premiums.
6 common myths about buying life insurance - When it comes to costs and benefits, don't be fooled by these faulty rules of thumb.
Life insurance reality check for young singles - Sure, you're young, but people may be depending on you. Don't shrug off coverage.
Why soon-to-be retirees need life insurance - You've lived this long -- now, what if you outlive your money? Insurance can help.
If I cash in life insurance, will I owe tax? - See the simple way to determine if a cash value payout from a policy might be taxed.
7 reasons you need to buy life insurance now - If your life insurance is lacking, you have no good excuses and no time to waste.
6 simple steps to ace a life insurance physical - You can rock your health exam and save thousands of dollars on insurance premiums.
Convert term life insurance before it expires - Don't let term life overstay its welcome. Make your policy permanent while you can.
3 life events that demand more life insurance - These milestones can leave you feeling naked, coverage-wise. Is it time to buy more?
Is there a penalty to surrender life insurance? - Some life insurance can be canceled and cashed in. But what will that cost you?
Best life insurance for 40-something couple? - When you're at midlife and the kids are teens, coverage through work isn't enough.
Will my life insurance beneficiaries owe taxes? - Learn whether insurance money left for loved ones comes with tax strings attached.
Blended life insurance: It's 2 policies in 1 - Can't decide if you want term or permanent life insurance? Just opt for a blend.
What Is the Best Type of Life Insurance for New Parents? by Jacob Ruiz - Understand what you're buying and why
Does wife always get hubby's life insurance? - When a man makes his sister his beneficiary, his wife is right to feel concerned.
Calculating How Much Life Insurance you Need by Paige Estigarribia - Using Bankrate's Life Insurance Calculator
Joint life insurance: Who's the beneficiary? - In joint life insurance, she who lives longer doesn't necessarily get the money.
Do you have the right life insurance? - A professor claims life insurance can benefit anyone, but only if you shop wisely.
Lose the life insurance when you quit a job? - An employer's life insurance can go with you, though maybe it's best left behind.
How much life insurance should you buy? - The answer comes down to your family. What would they need to get by without you?
6 common myths about buying life insurance - Are you mistaken about life insurance costs, benefits and limits? Get the facts here.
Must life insurance beneficiary be spouse? - A person has some leeway when naming a life insurance beneficiary. Just don't pick Brad Pitt.
5 groups that shouldn't skip life insurance - Don't need life insurance because you're retired, single or one of these other types? Wrong!
Life insurance from marriage into midlife - How much life insurance do you need after your 20s? It depends on kids and other concerns.
Don't drop your life insurance - Consider these six options to help you pay for your life insurance coverage.
Is your life insurance part piggy bank? - Find out if you can borrow from life insurance or cash it in by looking for these telltale words.
Can you afford life insurance after 50? 60? - Buying life insurance right before retirement may be less expensive than you'd expect.
Collect on your own life insurance policy - Find out how to tap your insurance payout while you're alive for big medical or related costs.
Joint life insurance: Policies built for 2 - A joint life insurance policy can cover a couple more smartly than a pair of individual plans.
Get term life insurance on your terms - Term life has traditionally been sold for blocks of years divisible by five. That's changing.
Which is the best type of life insurance to buy? - Term, whole life, universal, variable? Here's how to pick the right kind of life insurance.
Why life insurance should matter to you - Life insurance can help loved ones pay off estate taxes on what you leave them.
Beware of sticker shock when term life insurance ends - Term life insurance can offer great rates. Just don't plan to stick around past the expiration.
Can you score a cheap rate for life insurance? - Are you a good risk or a bad risk? Life insurance ratings answer that and help set premiums.
Can I borrow from my life insurance policy? - If you need cash, your life insurance might spot you, though only if the policy allows.
Should I ever cash in my life insurance policy? - No time may be the right time for cracking open your whole life policy for its cash value.
Health insurance 'Sherpa': Agent or broker? - Learn about the middlemen who can help lead you through the hills of health insurance.
Tips for replacing your life insurance policy - Finding a new life insurance policy can be a confusing process. Here's what to expect.
10 questions for your life insurance agent - Before you buy a life insurance policy, understand the coverage. Ask your agent for these details.
Do you need supplemental life insurance? - Company group life insurance is a nice benefit, but how do you decide if it's enough?
7 Ways to Save on Life Insurance by Vernon Williams - You can protect your family without overspending.
Toddler Life Insurance
What If Something Happened to You? - Making sure your family is taken care of
Enough Life Insurance by Gary Foreman - How much is enough?
Life Insurance by Timothy Pitcher - How do you know how much is enough?
Golden Rules for Buying Life Insurance by Craig Lock - Investigate before investing
Annuity Income Options by William D. Brownlie, CLU, ChFC - How would you like your money paid out?
How Much Insurance Is Enough? by Doris Dobkins
The Life Insurance Debate by Doris Dobkins
Don't Make Mistakes Buying Insurance by Ginita Wall, CFP, CPA
Finding Cheaper Life Insurance
How to Buy Life Insurance by Gary Foreman

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Insurance, Long-Term Care

Expert Interview: The Costs of Long Term Care by Gary Foreman - What you need to know to protect your retirement savings.
How to Create a Long Term Care Plan by Rick Kahler - About 70% will need long term care during their life.
Should You Buy Long Term Care Insurance? by Rick Kahler - Not without knowing more about it!
5 ways to cut the high cost of long-term care - Long-term care for seniors can be pricey. Follow these tips to keep costs in check.
Should you get a combo long-term care policy? - Combining life insurance with long-term care works for some people but it isn’t a good deal for others.
Do you have a long-term care plan? - Couples need to talk about when they will stop trying to provide home care on their own for their spouse and to get professional assistance.
Shop smart for long-term care - The cost of long-term care is rising, making insurance a wise buy.
How to avoid long-term care insurance scams - Look out for unscrupulous salesmen who pressure you into buying a new policy. It may be fraud.
Long-term care insurance vs. life insurance - Compare your insurance options for handling the bills if you need nursing care.
Getting a break from long-term care premiums - There are times you don't have to worry about paying on your long-term care insurance policy.
Ditch your sky-high long-term care insurance? - You may have ways to deal with pricey long-term care insurance besides bailing on your policy.
5 ways to manage a long-term care rate increase - If you have a long-term care policy and you're facing a rate increase, here are five ways to manage it.
Shopping for long-term care insurance - To get a good deal on long-term care insurance, you better shop around.
Do I have enough long-term care insurance? - A good insurance plan covers long-term care for as long as you need it. How long might that be?
6 ways to save on long-term care insurance - Long-term care insurance keeps getting more expensive. Try these strategies to cut the cost.
How foreign currency rules affect credit cards - When traveling, which is better: charging your credit card in dollars or local currency?
Face the need for long-term care - Grapple with planning for long-term care while you still have options.
How to Buy a Long-Term Care & Life Insurance Policy by Lynnette Khalfani-Cox - Special type of policy attempts to adjust as you age.
7 Long-term Care Insurance Changes You Need to Know by Barbara Marquand - The long-term insurance industry adapts.
3 ways to buy long-term care insurance - Is a long-term care policy the best way to get LTC coverage? Here's a rundown of the choices.
Long Term Care Insurance by Jeffrey Steele - Don't wait too long to check your needs.
The tax advantages of long-term care insurance - The government improved tax incentives for long-term care insurance. Can you benefit?
Best age to buy long-term care insurance? - It's easy to postpone getting long-term care coverage, but waiting to buy it can be a costly move.
Long-term care insurance lingo to know - Before you buy long-term care insurance, make sure you understand policy jargon.
Alternatives to long-term care insurance - Consider options like "granny insurance" if long-term care premiums are making you ill.
Long-term care coverage under two policies - Dual coverage provisions vary. Your financial adviser can help to simplify the fine print.
Is long-term care insurance a good deal? - There are benefits to this insurance, but it's not for everyone, so review your options.

9 Ways to Save on Long Term Care Insurance by Vernon Williams - Don't let high costs keep you from needed coverage. (2/23/09)
Buying Long-Term Care Insurance by Gary Foreman - What should you look for in a policy? (1/7/02)

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Insurance, Mortgage

Mortgage life insurance: What is it and who gets the proceeds? - Before you buy life insurance tied to your mortgage, know how the policy works.
Do I need to buy mortgage life insurance? - Get the facts on the life insurance from your lender that pays off your home if you die.
Free job-loss mortgage insurance? - Insurance -- often for free -- can pay your mortgage in the event you lose your job. (1/7/10)
What Is Title Insurance? (7/10/00)
Cancel Our PMI? by Gary Foreman (8/9/99)

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Insurance, Other

Insurance seniors may be throwing money away on - See why our expert dismisses accidental death policies as "Las Vegas insurance."
Identity theft insurance: How does it work and will it save your good name? - Don't be confused about ID theft insurance, which may not work the way you'd expect.
How to know if you're overpaying for insurance - Shopping around for the best quote could keep hundreds in your pocket.
How do I buy an umbrella insurance policy? - It's a good decision to get umbrella coverage. Now, find out the "where" and the "how much."
5 insurance strategies for non-married couples - You're not considered legally married? You two may still enjoy insurance perks.
Should seniors have accidental-death insurance? - A policy that doesn't cover natural deaths may not be right for these retirees.
Want to fire your insurance agent? Here's how - Beware of messy complications when saying adios to an agent or buh-bye to a broker.
What is umbrella insurance? Who needs it? - A lawsuit could leave you drenched in debt. Find out how umbrella insurance can keep you dry.
Minimum insurance coverage for 4 policy types - You want at least these minimal amounts of auto, home, health or renters coverage.
6 insurance policies you can get for free (really!) - An offer of "free insurance" can be enticing. But if it costs nothing, is it worth anything?
How do you size up an insurance company? - Don't focus on price alone. There's much more to consider when choosing your next insurer.
Do you have enough disability insurance? - Secure the right amount of coverage in case you get sick or hurt and can't earn a living.
Can you handle a high insurance deductible? - Learn to find your insurance deductible "sweet spot" where savings and risk are in balance.
What is umbrella insurance? Who needs it? - A lawsuit could leave you drenched in debt. Find out how umbrella insurance can keep you dry.
Your stuff is in storage, but is it covered? - Don't worry about wars, but do see that items in storage are insured against threats.
Who Needs Nursing Home Insurance by Debra Karplus - How to decide if nursing home insurance is right for you.
Should you pass on buying burial insurance? - A burial policy can help your heirs with funeral costs, but there are grave drawbacks.
How your credit affects insurance premiums - An insurance score is one factor that can drive up premiums. Here's how the scores work.

The Advantages of an Insurance Agent by Rick Mayhew, CPCU, CIC, CLU, ChFC - An insurance agent defends his profession. (2/16/09)
What Happens to Your Business When You Die? by David F. Woods, CLU, ChFC - A tough question, but your business itself can provide the answer (4/23/01)
Appliance Insurance (10/30/00)
Self Insurance Explained by Gary Foreman (7/14/97)

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Insurance, Posessions

Insurance, Auto
Insurance, Homeowners
Insurance, Mortgage
Insurance, Property

Insurance, Property

Insuring your pool, stand-alone garage or other 'detached structures' - Pools and other "detached structures" may need more than standard home insurance.
Is tree owner responsible for invasive roots? - You just bought a place. Who pays if your tree damaged the neighbor's property?
Energy-smart home? Don't be dumb with insurance - Make sure your policy protects your solar panels and other eco-friendly features.
RV insurance covers your home on the road - Happy campers have policies that roll up protections of car, home and travel insurance.
Need 'collectibles insurance' for your treasures? - Whether it's baseball cards, dolls or rare books, your special stash may need special coverage.
Get a crash course on hurricane deductibles - Hurricanes can whip up big home insurance deductibles, so check your policy before storms hit.
11 easy ways to avoid hurricane expenses - You can't control hurricanes, but you can minimize losses and save on insurance.
What insurance comes with your condo? Video - Guess whether the condo association or homeowners insurance pays in these scenarios.
Should you buy insurance for your smartphone? - Cut through the conflicting signals on whether to buy special coverage for your mobile device.
Subletting your space? Think about insurance - When you rent out the place you're renting, you want to protect your stuff and your finances.
Will your insurance stand up to a tornado? - When a tornado blows your life apart, the right coverage makes it easier to pick up the pieces.
Could your insurance withstand a hurricane? - Ask the right questions to know your property is protected from the big storms' wind and water.
5 tips to insure a home overseas - Insuring a dream home in an exotic locale is tricky, but a little research goes a long way.
Tips on insurance quotes for valuables - Worried about people stealing your valuables? Consider a floater insurance policy to cover them.

Replacement Value Insurance (10/10/05)
Insuring Your Possessions by Gary Foreman - Have the right coverage and proper documentation (12/30/02)
My Story: Don't Get Burned After the Fire by Garry Cote - Be prepared if disaster should happen (8/5/02)

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Insurance, Renters

How Much Renters Insurance Do You Need? by Stevie Clapton - You don't want too much or too little renters insurance coverage.
2 reasons why renters insurance is a no-brainer - Nosy landlord? Loud neighbors? Renters who don't insure have even bigger problems.
The 1-hour way to calculate renters insurance - Take just a small amount of time to determine the right amount of renters coverage.

Rent Payments Don't Insure Personal Belongings - Protect your belongings and get the best coverage for you.
How much renters insurance will cover your stuff? - The things in your apartment could be worth more than you think. Be sure it's all covered.
Why do I need renters insurance? Video - When renting, don't assume your personal content and liability are covered by a landlord's insurance.
What's on my renters insurance policy? - Declarations? Deductible? Understand your renters policy with this handy key.
Millennials: Are you flubbing renters insurance? - More than half of young adult renters don't carry renters insurance, according to a survey.

Insurance, Saving and Retirement

Insurance, Taking Stock

How to Save Money On Your Auto and Home Insurance by Pauline Milner - A former insurance agent spills the secrets.
7 ways you're being foolish with your insurance policies - April Fool? Not with your insurance! Correct these foolish policy blunders.
Insurance Questions for 20-Somethings by Paige Estigarribia - Learning to manage this financial tool.
Fill in home insurance cracks - There's more to home insurance than homeowners insurance. You may need one of these four other policies.
Insurance Tips for Newly Married Couples by Paige Estigarribia - What do you need when you go from single to married?
Insurnace coverage for the bride-to-be - Here comes the bride -- asking about all the right insurance for her married life.
Without umbrella insurance, what's at risk? - Umbrella insurance keeps many types of assets from being washed away by lawsuits.
How big an umbrella for my insurance needs? - You shouldn't skimp on umbrella insurance, which protects when liability comes raining down.
How to uncouple your insurance in divorce - When you divorce, tie up insurance loose ends and leave each partner with enough coverage.
Insurance for multigenerational households - When extended families live under one roof, lots of coverage questions can result.
5 best ways to cut insurance costs - Insurers are competing for your business. Here are tips to get the most policy for your money.
Why do I need an umbrella insurance policy? Video - If you don't have adequate insurance, you won't be protected in the event of a costly accident.
10 tips for buying the right insurance - It's prudent to have insurance, but how much? We help you decide the right amounts.
Want to save thousands? 3 bills to re-evaluate yearly - Want to save thousands of dollars in a short amount of time? Spend one day a year re-evaluating your homeowners, auto and life insurance policies.
Boomerang Kids and Insurance by Susan Ladika - You'll need to check your coverages.

Preparing for the Worst - Creating a financial disaster plan (11/22/04)
Spending Money Could Save You Money by April Borbon (5/17/04)
Taking Inventory by Gary Foreman (8/12/96)

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Insurance, Unemployment and Disability

Too young for disability insurance? Think again - An injury can sideline a worker at any age. Insurance will keep you paid.
3 ways to trim disability insurance costs - Here are three tips to help you reduce the cost of your disability insurance policy.
Is 2-year disability insurance long enough? - Consider whether you might still be laid up when your disability benefits run out.
Double up on disability insurance policies? - Learn if there are downsides to having disability insurance through work and on your own.
Coping with joblessness and paying COBRA - Isn't unemployment bad enough? Here's how to deal with the often high cost of staying insured.
Plug the gaps in your disability insurance - Give your disability insurance coverage a boost with these five riders.
My Story: Potential Layoff Revisited - contributed by JoAnn - Unemployment insurance worth the cost (3/24/03)
Disability Insurance by William D. Brownlie, CLU, ChFC, CIP, LIA (10/2/00)
Disability Insurance (5/29/00)
One in Seven (disability) by Gary Foreman (7/26/99)

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Insurance, Vision and Dental

Are dental expenses tax-deductible? - Dental expenses you paid for someone else may be tax-deductible under these circumstances.
Dental insurance or discount plan? - We all want a healthy mouth but will dental insurance or a discount plan work best for you? (3/31/10)
Dental Plans - A bright, beautiful smile for less (7/26/04)

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Investments

Basics
Bonds
CDs and Banking
Children
Financial Advisors
Life Insurance and Annuities
Mutual Funds
Other
Planning
Stocks
Real Estate
Retirement
Risk Management
Saving
Starting Small
Taxes
Twentysomethings
Windfalls

Investments, Basics

You Can't Beat the Markets by Rick Kahler - If you can't beat it, maybe you should join it!
Which is better: A 403(b) or Roth IRA? - Although a Roth IRA has attractive features, it's not always smart to convert to one.
First-time investors: What to do with your investment portfolio - Cookie-cutter decisions don't apply. It's about the level of risk you're willing to take.
Is investing in a crowdfunding project right for you? - Crowdfunding has grown, morphed and become regulated. Is it how you want to invest?
Investing for beginners: Do it yourself, hire an adviser or use a robo-adviser? - First, you have to decide who will manage your money: an adviser, a robo-adviser or DIY.
Why you might be overpaying for investing Video - What you pay in fees can have a huge impact on your investment returns.
Can I convert an investment account to a retirement account? - IRS rules won't let you convert your taxable account, but you can still save for retirement.
3 must do's before investing - It takes money to make money. The best investor in the world won’t get anywhere without frugality, saving and a commitment to living debt-free.
Why your job is your most important investment Video - Your job -- and specifically, your earning power -- is the greatest investment you have because it allows you to make investments, says Jean Chatzky.
How often is best for compounding interest? - Is it better to have interest compounded on your money daily, monthly or quarterly? Which gives you the most for your money invested?
Catch-up contributions to IRA, 401(k) at age 50? - Catch-up investing is allowed at age 50. Find out what dollar and time limits apply.
Choose your investing adventure - Invest like a pro? How would you react to global disaster, high inflation or deflation?
6 must-have investor services - Low trading fees and the latest online tools are no longer good enough for many investors.
How to invest across your life cycle - An expert says a surprising amount of good investment advice applies to all ages.
4 Beginner Investment Mistakes by Joshua Rodriguez - Getting off to a good start.
4 tips for buying stocks with 'play money' - Using discretionary funds to play the market? Follow these steps to sound investing.
How you can become a proactive young investor - You've decided you're ready to invest. There's a variety of other determinations to make.
How to evaluate target-date funds - Most people don't really understand what these funds are all about. Here's what to know.
How to open a brokerage account online - Opening an online investment account is simple -- but where do you go from there?
A Primer on P2P Lending by Tushar Mathur - Finding out about the newest lending channel.
Savings account or CDs for my 90 grand? - Sort out the advantages and disadvantages of stashing your cash in CDs vs. a savings account.
Which is better, annuity or CD? - If CDs or an annuity are your choices, answering these two questions can help you decide.
Invest with Confidence by Damon Carr - 8 key points to successful investing (10/08/07)
When Boring Is Exciting Safely grow your investments and solidify your retirement (7/30/07)
The Power of Compound Interest - What could training shoes teach him about money? (7/3/06)
Investment Returns - Is it possible to earn a safe, consistent 7%? (11/7/05)
Investment Returns - Is 10 to 12% per year a realistic goal? (8/29/05)
Reading for the New Investor - Resources to help you get started (7/9/01)
Investing Basics by Doris Dobkins - The first steps to accumulating wealth (6/11/01)
Money Management: Lesson #1 by Jane Chidester (1/31/00)
Diversification for Poor People: Investment Basics by Gary Foreman (2/16/98)
Investments for Beginners by Gary Foreman (9/29/97)

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Investments, Bonds

Why giving a kid a savings bond still makes sense - Savings bonds as investments don't make sense. Here's when they're a good idea.
Investing pros and cons of municipal bonds - Municipal bonds represent an attractive investment for individuals looking for assets that provide tax-advantaged income.
Municipal bonds: Investing pros and cons - Are municipal bonds a good investment these days? What's the best way to invest in them?
Tax exclusion for savings bonds simplified - Plan to tap savings bonds to pay for education? Avoid getting schooled by the taxman.
Are education savings bonds tax exempt? - You can exclude interest income for education expenses under certain circumstances.
Can I defer taxes on savings bonds? - Here's what you can do if you are stuck with a federal income tax bill from your savings bonds.
The lowdown on buying a municipal bond - If you are ready to invest in a municipal bond, here's what you need to know first.
What to do with savings bonds from childhood - You've matured, but maybe not those savings bonds you received as a kid.
How bonds work: A basic primer - Bonds are a good diversification tool, and investors should understand how they work.
Are ultrashort-term bond funds safe? - These supershort bonds have low interest rate risk, but watch out for other perils.
What's a bond investor to do these days? - If you've been stung by some losses in bond funds, check out these ways to limit risk.
The lowdown on digital US savings bonds - While much has changed with digital U.S. savings bonds, some things have not.
How to cash late relative's savings bond? - Cashing in a late relative's savings bond can be a lot of work. And you might owe taxes.
Hold or fold older US savings bonds? - Maturity has its benefits, especially when looking into whether to cash in old savings bonds.
Is there value in bonds today? Some say 'no way' - Whether value exists depends on whom you ask and how much risk you're willing to take.
Savings bonds: The older the better? - Savings bonds bought in 1958 for $20 have jumped in value. They're carrying some baggage, too.
Should college students buy savings bonds? - Spare cash is a rarity in college. But if you do find extra dough, where should you put it?
Savings bonds: Know when to hold 'em, fold 'em - Tired of your old savings bonds? It may be time to cash some in and hang on to others.
What to do with Series EE savings bonds? - That savings bond you bought in the 1990s is still far from maturity. Time to cash out?
4 types of municipal bonds you should avoid - Muni bonds are mostly safe, but there are risks. Steer clear of these when investing your money.
Pros and cons of international bonds - Bonds are perceived as a safe haven for investors, but be wary of foreign bonds.
How often do Treasury bonds pay interest? - While most banks give out interest every month, Uncle Sam keeps bond investors waiting longer.
The I bond: For inflation protection - The I bond's fixed rate is stuck at zero percent. Find out why people still buy these bonds.
The I bond: A hedge against a rise in inflation - The I bond's fixed rate is stuck at zero percent. Find out why people still buy these bonds.
Emerging markets bonds: Perilous or profitable? - Emerging markets bonds come in different varieties with high yields. Should you invest?
Bonds: Good investments for young people? - Experts are divided about whether young people should invest in fixed income, with yields so low.
The risk of investing in municipal bonds - Invest in municipal bonds thinking they are safe? Bankruptcies do happen. Think: San Bernardino.

Zero Coupon Bonds by Doris Dobkins (5/29/00)

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Investments, CDs and Banking

Can you really make money with a CD ladder? - Laddering can make a significant difference in your earnings. Here's how it works.
Why zero-coupon CDs don't come with zero risk - These CDs can be bought cheaply, but they can end up costing you.
Bank CDs vs. brokered CDs - Before settling on a certificate of deposit, consider the yield and other factors.
7 flavors of CDs: Which one is best for you? - CDs come in different varieties. Find the one that meets your financial needs.
Best CD laddering strategies - CDs offer safety for your investment portfolio. See how strategic buying can pay off.
Liquid CDs: You may not want to take the plunge - These certificates of deposit offer more flexibility, but you'll give up some yield.
6 smart strategies for buying CDs when rates rise - These 6 tips will help you decide how to start buying certificates of deposit again.
3 ways to find the best CD rates - When interest rates increase, rates on certificates of deposit will follow. Will you be ready?
The pros and cons of jumbo CDs - They come with a higher yield, but jumbo CDs have more than one downside.
10 CD definitions you need to know - CDs come in a variety of flavors. Learn the differences before tying up your money.
What do you know about CDs? Quiz - Test your CD acumen with Bankrate's quiz. Are you a CD superstar?
The risk of relying too much on CDs - CDs are for the risk-averse. But what if you are missing out on a greater return?
CDs can teach kids a difficult money lesson - Want to teach your children well, financially speaking? Having them open a CD account is a great way to get started.
Know risks of investing in structured CDs - What are you getting into when yo

u invest in a structured certificate of deposit?
Where to place CDs as you vary maturities - CD laddering is a smart thing to do, but should you spread the CDs among firms, too?
Ladder or barbell a CD portfolio? - What's the difference between a ladder and barbell CD portfolio, and which is right for you?
Bump, step and add your way to CD returns - It's a brave new world of CD investing. Find greater earnings potential in these new products.
2 savings advantages of CDs - CD rates are still depressingly low, but CDs have other lovable features.
Park home down-payment savings in CDs? - When saving up for a home, there are better places to put your money than a CD. Here's why.
Bonus or Bait? by Gary Foreman (4/10/00)

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Investments, Children

How to help your children retire millionaires - You can make your kids rich by opening a Roth IRA, but there's a catch.
What's the safest $10K investment for a child? - Your kid just inherited a lot of money. Where's a good place to put it for several years?
Investing for Children by Gary Foreman - Paying dividends for a lifetime (6/7/04)

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Investments, Financial Advisors

Finding an Honest Investement Advisor by Rick Kahler - How to find an advisor you can trust.
4 questions to ask now that your financial adviser has to put you first - A new "fiduciary rule" cracks down on hidden fees and conflicts of interest.
7 types of middlemen who can save you money - When you hire an agent, broker or dealer, you might spend a little to save a lot..
These are the reasons you need a financial planner Bankrate Video - There are many scenarios where you should consult with a financial planner. Jean Chatzky shares what they are.
Robo-advisers: How the future looks for investors and why you should care - The latest trend to upset the financial advice industry may be a boon for consumers.
5 questions to ask before picking a robo-adviser - Digital financial advisers have low fees, but is that enough? Here's what to watch for.
Financial Planning for Seniors by Gary Foreman - You may be retired, but you still need to plan your finances.
2 biggest mistakes when choosing a financial adviser - Before you let an adviser manage your hard-earned money, be sure to check these things.
Should you trade your financial adviser for a robo-adviser? - Robo-advisers certainly are cheaper than human advisers. Are they better?
Investment Advisers and Mutual Fund Money Managers by Rick Kahler
Comparison Shopping for a Financial Advisor by Rick Kahler - Would you only look at one car?
Financial Advice for Women In Their 50s by Gary Foreman - A financial planner tells women what they need to learn about their finances.
Questions to Ask Before You Invest by Rick Kahler - Advice from a professional advisor.
3 ways to spy on your financial planner - If you're hiring a money adviser or want to check on the one you have, here's what to do.
7 Questions to Ask a Potential Financial Advisor by Rick Kahler - Know who is giving you advice.
Who Is Giving You Financial Advice? by Rick Kahler - 5 minutes could save you thousands.
Picking a Financial Advisor by Rick Kahler - Going beyond the hype.
How to find a fee-only financial planner - Your mom was wise to seek help with her finances; you'd be wise to do the same.
4 things to avoid in a financial adviser - Does your financial adviser exploit you or protect you? Look for these tipoffs.
Is your financial adviser really looking out for you? - Investors should be protected from advice that leads them to make costly decisions.
Choosing an Investment Advisor by Rick Kahler - One of your most important buying decisions.
How much does a financial adviser charge? - Need investment help? There's a lot of expert advice out there. Here's what it'll cost.

What Is a Fiduciary and Why Does It Matter? by Paul Williams - Understanding fiduciaries could help protect your money. (4/12/10)
Reducing Investment Expenses by Gary Foreman - Commissions, fees and transaction costs can reduce the growth of your money (4/15/02)
Finding Financial Advisors by Gary Foreman - How can you tell who to trust? (7/23/01)
Selecting a Broker or Financial Planner by Gary Foreman (7/17/00)
Do You Need a Stock Broker?by Michelle Kennedy Hogan (5/10/99)

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Investments, Life Insurance and Annuities

Expert Interview: Should You Include Annuities In Your Retirement Investments? by Paige Estigarribia - We ask a CFP for unbiased advice.
Cost of a Fixed Annuity by Rick Kahler - Can there really be no fees?
5 key questions to ask before buying an annuity - Annuities aren't for everyone. Find out if they're for you by asking these questions.
Which type of annuity is right for you? - Each flavor of annuity has its pros and cons. Get a rundown on them before buying one.
6 times annuities make the most sense - Annuities aren't for everyone, but in these instances, they might fit your needs.
6 good reasons to put an annuity in your 401(k) or IRA - A qualified longevity annuity contract can reduce the risk of outliving your money.
5 pros and cons of investing in annuities - Dig deep to learn all the restrictions, fees and taxes involved before buying annuities.
4 reasons you'll love annuities (once you understand them) - This investment option appeals to those seeking a safe haven for retirement savings.
Are annuities right for your investment plan? - There are pros and cons to adding annuities to your investment portfolio.
Should my annuity be paying me more? - Annuities are specific contracts. Here's how to understand the fine print.
How to shop for an annuity - Don't be distracted by the bells and whistles. The basics are what counts.
How do hybrid annuities work? - Before buying an annuity, make sure you understand the contract provisions.
Do you need insurance in case you live too long? - These longevity annuities offer tax advantages, but do you need the protection they provide?
Fitting annuities into a retirement plan - Proceed cautiously when looking at annuities for your retirement. They can be complicated.
Are longevity annuities a good retirement tool? - Changes in IRS rules expand the use of these investments in 401(k)s and IRAs.
Who gets my annuity money if I die too soon? - Annuities may be more of a gamble than you realize because your investment can outlive you.
Annuity Income Options by William D. Brownlie, CLU, ChFC - How would you like your money paid out? (2/19/01)
A Lesson in Life by David F. Woods, CLU, ChFC - There's more to life insurance than you may know (2/19/01)

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Investments, Mutual Funds

Mutual fund prospectus primer - If you find mutual fund prospectuses daunting, these tips may help you power through them.
What's better for you: An ETF or a mutual fund? - Each has pros and cons. Learn the trade-offs in selecting ETFs versus mutual funds.
Should you sell mutual funds to buy ETFs? - If you sell your mutual funds to buy ETFs, be sure to do it for the right reasons.
Investing in the right mutual funds for me - There's more to investing than just picking mutual funds. Here's what else to consider.
How to choose mutual funds like a professional - Rather than follow the crowd into an abyss, consider these savvy strategies for picking funds.
How to evaluate target-date mutual funds - Target-date mutual fund families vary widely. Weigh these factors before investing.
ETFs or mutual funds? And, active or passive? - Here's advice on picking the right investment vehicle and then deciding how you want it driven.
Managing mutual fund fees - Whether you do it yourself or use an adviser, you can avoid paying many fund costs.
Mutual Fund Share Classes by Rick Kahler - Small changes could put big bucks into your pocket.

Mutual Funds for the Little Guy (12/4/06)
Why No-Load Mutual Funds by Paul Merriman (10/23/00)
How to Pick a Good Mutual Fund by Doris Dobkins (2/21/00)
Sell Now? by Gary Foreman (10/4/99)
Mutual Fund Expenses Explained by Gary Foreman (12/15/97)

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Investments, Options

Investments, Bonds
Investments, CDs and Banking
Investments, Life Insurance and Annuities
Investments, Mutual Funds
Investments, Stocks
Investments, Real Estate

Investments, Other

How to Get Your Side Hustle Going With Crowdfunding by Joseph Hogue, CFA
Sorry, crowdfunding isn't investing - You may be helping a great project to launch, but don't expect financial rewards.
Are hedge funds for regular investors worth it? - Used in small doses, these funds can stabilize a portfolio. But they carry risks.
Video: Negotiate a Better Deal on Anything by Gary Foreman - Interview with Steven Blum author "Negotiating Your Investments: Use Proven Negotiation Methods to Enrich Your Financial Life"
Investing in a Friend or Relative's Business by Rick Kahler - 7 considerations before you say yes.

LSR - The Only Investment Factors by Tom Koziol (11/20/00)
Investing in Collectibles by Michelle Kennedy Hogan (1/10/00)
Your First Investment Club Meeting by Michelle Kennedy Hogan (5/31/99)
What Is an Investment Club by Michelle Kennedy Hogan (5/17/99)

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Investments, Planning

Investments, Financial Advisors
Investments, Planning
Investments, Retirement
Investments, Risk Management
Investments, Twentysomethings

Investments, Planning

5 low-risk ways to earn higher interest - Think 5% APY is a dream? It's not. Here are 5 low-risk ways to earn higher interest.
Investing basics: What is working capital and how do you calculate it? - It's a financial ratio that you should look at when assessing a potential investment.
7 investing tips for 40-somethings - In your 40s, you're investing with an eye toward retirement. These strategies can help.
How investing style changes over your lifetime - Your approach to investing shifts as you get older. Find out how risk plays a part.
Everything you need to know about investing like a pro with index funds - Get over your investing fears. You can do better than most pros using this strategy.
Your Asset Protection Scripts by Rick Kahler - Could what you think about money be keeping you from proper protection?
Is securities-based lending right for you? - Taking a loan against your portfolio can put your retirement at risk. Is it worth it?
Best way to invest $3K for the long term - You can invest a few thousand dollars long term without squandering a lot in fees.
401(k) and IRA: Contribute to both? - Don't let your 401(k) keep you from opening an IRA to maximize your retirement savings.
How your life stages shape your investing style - Your approach to investing shifts as you get older. Find out how risk plays a part.
Investing first in yourself pays dividends - Deciding what to do with your money? Here's a plan to help you invest in yourself.
5 tips to keep do-it-yourself investors on track - People seek expert opinions when it comes to just about anything but their investments.
Safe Long Term Investing by Rick Kahler - Understanding long-term risk factors.
Passive Investing by Rick Kahler - Could you make more money by not doing something?
5 things that thwart do-it-yourself investors - DIY money managers should know what they're up against before going it alone.
6 ways to get investment portfolio help - Unsure about how to invest your money? Explore these (mostly) cheap ways to get help.
Best ways to be truly awful at investing money - It's a cinch to find bad investments: Just follow the examples of thousands of other investors.
5 steps to effective investing as a couple - Becoming investing partners can be dicey. Take this path for the best return and least hassle.
Make sound investing decisions at any age - Learn to use your head while spending your money. These tips will help.
IRA, CD, money market: How to choose? - What's the best investing vehicle: IRAs, CDs or money markets?
How to analyze your portfolio - First assess your strategy, then determine if your portfolio holdings are worth keeping.
Which is better: Stocks or mutual funds? - Diversification, fees and taxes are some of the issues you'll consider when making the decision.
7 investment strategies during tough times - If the economy is headed for a lost decade, these tactics may help buffer your portfolio.
Which is better, annuity or CD? - If CDs or an annuity are your choices, answering these two questions can help you decide.

Your Annual Performance Review by Gary Foreman - How does your financial performance measure up? (1/5/04)
A Fall Financial Check Up by Doris Dobkins - When was the last time you gave your finances a check up? (11/12/01)
What's Your Net Worth? by Doris Dobkins - what kind of financial shape are you in? (1/1/01)

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Investments, Stocks

Stock market basics for beginners: 3 guidelines to follow - If you plan to retire, you're going to have to invest. These tips will get you started.
Time to sell a stock? Here's what to look for - Selling stocks is tricky business. These 5 signs indicate it might be time to dump them.
What you need to know about stock exchanges - A glitch at one stock exchange won't stop the stock-trading show. Here's how it all works.
Learn to love stocks - These four steps can help get you started in the market slowly, but smartly.
The most dangerous stock in your 401(k) plan - The holding that could be most hazardous to your financial health may surprise you.
'Safe' CDs pay zip. So why not buy stocks? - Stocks are still unpopular despite weak returns from low-risk alternatives. Here's why.
Conquer stock market volatility forever - Bad behavior by the stock market is inevitable. Here's how to brace for a wild ride.
4 signs it's time to dump a stock - Even if you choose your stocks well, they may falter eventually. Here's what to look for.
Pros & cons of investing in company stock - Company stock is a common workplace perk, but it's not always a good investment.

SPAM Your Investment Portfolio by Tom Koziol - Yes, it could help you make money (2/5/01)
Recessions and Stocks by Gary Foreman - Should he sell now? (1/22/01)
Investigating Investments Online by Robert W. Belsky (8/7/00)
Penny Stocks: You Get What You Pay For by Joe Chapin (5/22/00)
Women In the Stock Market by Michelle Kennedy Hogan (3/27/00)
How to Read Financial Statements by Joe Chapin (2/28/00)
Selling a Stock Bonus by Gary Foreman (2/21/00)
Take the Options by Michelle Kennedy (2/7/00)
Stocks for the "Little Guy" by Gary Foreman (9/27/99)
Making Money With DRIP's by Joe Chapin (9/13/99)
Sharehold Perks by Michelle Kennedy Hogan (5/3/99)

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Investments, Real Estate

10 terrible mistakes real estate investors make - Investing in real estate is appealing. But there's a right way and a wrong way to do it.
Is buying income property a good investment? 9 things to consider - Rental property could be a good investment, but understand what you're getting into.
5 tips for financing investment property - Money is still tight, but certain methods may get lenders to loosen their purse strings.
4 trusty tips when weighing REITs as investments - REITs have been market darlings. Follow these precautions if you invest now.
The ABCs of real estate investment trusts - You don't have to be a tycoon to profit from real estate. You can be a small investor in REITs.
Avoiding taxes on a foreclosed rental - To avoid paying capital gains tax on a foreclosed rental, the homeowner has to consider bankruptcy. (3/11/10)
3 ways real estate can help retirees - Cash-strapped retirees can use real estate investments to boost their monthly income. (10/1/09)
Dumping a Timeshare - Is there another choice besides just turning it back to the association? (6/15/09)
Timeshares - Cut the hype and get to the truth (4/30/07)
No Money Down by Gary Foreman - Can you really buy a house with no money and get rich, too? (7/2/01)
My Shrinking 401k by Gary Foreman - His retirement plan is losing money. Time to sell the stocks? (4/30/01)

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Investments, Retirement

Investing retirement money that you may never need - It's a rare problem to have, but here's what to do with retirement money you won't need.
6 tips for newbie IRA investors - Opening an IRA isn't as hard as you think. Here's how to get started.
Investing for retirement - Dreaming of retirement some day? Start socking money away with this in mind: To truly save for retirement, you need to invest.
Saving options when you have no 401(k) match - Companies don't have to provide a 401(k) match. Here's how to invest if they don't.
Financial tips when nearing retirement - If you are approaching retirement, plan now for financial challenges so you don't run out of money.
Tips for investing late in life - A professor says money needs change as life marches on. Where should you invest now?
How to invest in a Roth IRA Video - Investing can be intimidating, but getting started with a Roth IRA shouldn't be.
Taking stock of investments for retirement - Take stock of your portfolio, and know the pros and cons of various investments.
Maximizing Retirement Investment Returns by David Ogul, Moneyrates.com - Managing your retirement savings in a challenging environment.
Raid your 401(k) for living expenses? - Need cash to live on? Transfer money from 401(k) to an IRA first before withdrawing money.
Should retirees shift to stocks? - Will inflation threaten your retirement? One remedy is to shift more funds from bonds into stocks.
Invest Social Security benefits? - There's another strategy to maximize Social Security if you don't need the income.
Borrowing from Your 401(k) by Damon Carr - Is it wise to borrow from your retirement plan? (5/12/08)
Investment Moves to Help You Retire Early (8/30/04)
Seven Ways to Make a Million by Doris Dobkins (11/13/00)
Your 401k by Diane Halloway (2/28/00)
Getting the Most from Your 401k by Joe Chapin (1/24/00)
401k Plans Explained by Gary Foreman (5/10/99)

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Investments, Risk Management

7 investment strategies to defy a downturn - To survive upticks and downturns, follow this guide to long-term returns and peace of mind.
3 Questions You Need to Ask Before Investing by Ted Ballantine - Learn to avoid investing mistakes.
5 big investment risks and how to manage them - How do you deal with loss tolerance? Here are the best strategies.
6 reasons to get real about investment risk - Be aware of these potentially bad investing habits to reduce your risk of loss.
4 signs it's time to dump a stock - Even if you choose your stocks well, they may falter eventually. Here's what to look for.
How to determine if an investment is too good to be true - Something's probably fishy when an unusually high return is promised for an investment.
Why investment risk matters and how to lessen it - How do you manage investment risk? Bankrate offers tips for keeping it under control.
5 bad financial decisions and how to recover - It's easy to make mistakes but hard to recognize them. Take these steps to recover.

Diversification for Poor People: Reducing Risk by Gary Foreman (2/23/98)

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Investments, Saving

7 tips for moving your savings to anoither account - If interest rates rise, follow these 7 tips to find the right savings account.
Saving to make your grandkids millionaires - Want to turn a nest egg into a fortune? Savings and compounding interest are the keys.
Video - Ask The Dollar Stretcher: Where Should I Put My Savings to Get the Best Return? by Gary Foreman - Getting the best return on a small monthly investment.
5 poor ways to save (and how to do better) - Too many of us don't know how to save. Here are five strategies that don't work, and what you should do instead.
Save more with every raise Video - Get ahead in the savings game by upping your savings with salary increases.
Savings tips for people in their 30s - A lot happens between the ages of 30 and 40. Here are savings tips for people in their 30s.
How to grow savings fast - You can earn money in CDs or in stocks, but both strategies have risks.
Know the rate basics of money market funds - Not all money market rates are created equal. Here are the key terms you should know.
Saving to make your grandkids millionaires - Want to turn a nest egg into a fortune? Savings and compounding interest are the keys.
Should I invest my emergency stash of cash? - Now that the bulls are back on Wall Street, should I invest my emergency cash?
5 winning ways to grow a savings account - Having trouble saving money? Follow these tips to make your savings account balance bulge.
Park cash in money market-alternative ETFs? - Invest in these exchange-traded funds for the short term, but first learn their pros and cons.
Your interest stinks? Savers have options - You can be conservative without settling for a money market account paying tiny returns.
How often is best for compounding interest? - Learn why it makes a difference to have interest on your savings credited more frequently.
How do I create an emergency fund? - When you create an emergency fund, consider these investment options.
Best place to park short-term savings - If your rainy day is three years away, consider a short-term bond fund.
Beat low interest rates on your savings account - Interest rates on savings are likely to remain low. These are your choices for a better return.
Should you use money markets for liquidity? - Maclyn Clouse, Ph.D., offers his insight on low-risk investing in a low-rate market.
Have extra cash? Set investing & savings goals - Setting life goals is a good start to deciding if excess income should go to savings or investing.
'Little guy' searches for top bank rate - One man pines for solid earnings on his savings, but needs to consider the risk factor.
Shopping for the best savings account rates - Finding the best savings account rates involves some diligence, but the higher interest is worth it. (8/6/10)
Building liquid savings - Basic savings and money market accounts will allow you to access your money and earn interest, too. (5/7/10)
Low interest rates tough on savings - Savers can take a middle-ground approach when looking for short-term yields in a low-rate climate. (5/5/10)
6 ways to a successful savings plan - The younger you are when you start, the less you have to contribute to reach your long-term goals. (3/1/10)
Should savers break rules? - Instances when investors should buck -- or heed -- standard savings wisdom. (9/24/09)
Stashing Your Savings by Gary Foreman - Can she safely earn more than 1%? (2/2/04)
Frightening Future by Gary Foreman - With war clouds on the horizon she wants to prepare financially (9/24/01)
Double or Triple Your Money by Ginita Wall (7/12/99)

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Investments, Starting Small

Working With Sharebuilder - What's it like to invest with Sharebuilder?
Road to riches starts with saving - How do you build wealth? Start by saving enough extra cash to invest.
What's a safe start for an investing newcomer? - For the frustrated saver, here are tips on making a safe transition to first-time investor.
How should successful young couple invest? - It's never too early to invest wisely and put away plenty for your future. Here's where to start.
Investing Small Amounts (9/20/04)
Investing With Small Dollar Amounts by Barbara O'Neill, Ph.D., CFP - Yes, you can start small (9/10/01)
Starter Savings - Where can you put your money to work a little at a time? (3/19/01)
Money Earning Money by Gary Foreman - Even a few dollars can go to work for you (2/12/01)
Lunch Money Investing by Gary Foreman (6/14/99)

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Investments, Taxes

see Taxes: Capital Gains & Losses

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Investments, Twentysomethings

Best ways to get into investing in your 20s - For a young person, learning the investment ABCs can mean coming to appreciate IRAs and ETFs.
Investing While In College (11/6/06)
Young Couple Finances - Laying a good foundation (10/4/04)

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Investments, Windfalls

$6,000 windfall: Pay off car or credit cards? - The debts that carry the higher interest rate should be the first ones eliminated.
4 dumb mistakes people make with a financial windfall - A sudden cash infusion may seem bottomless. Be wary of these ways to blow it all.
8 places to park newly found cash - Don't bury money in the yard! Check out these other options that offer safekeeping.
Deciding how to invest a large cash settlement - If thousands of dollars are won in a settlement, you need a good plan for investing.
4 steps to profit from a financial windfall - Think it's a problem you'd love to have? Coming into lots of money isn't always a win.
Picking priorities with an inheritance - If you lost a loved one and have a windfall coming, there are decisions to make.
How do I safely invest a very large inheritance? - The good news is you're inheriting $500 million. The bad news is you need to hold onto it.
You won a big cash settlement -- now what? - You were in a car crash and got thousands in a settlement. Next come tough decisions.
Inheritance: Should you invest or spend? - Most spend at least half of their inheritance instead of saving it. Is it the right thing to do?
Mortgage or credit card debt? Which to pay first - After receiving an inheritance, think about your emergency fund before your underwater home.
How to make the most of a big inheritance - Most people burn through it or take unnecessary risk. Here's the right way to handle a windfall.
Should I take lump sum or monthly payments? - Weigh taxes and other factors to decide if a pile of cash now beats smaller payments over time.
8 smart ways to spend a hefty windfall - It's an unexpected pleasure and burden. What would experts do with a pile of cash?
Should I spend a windfall or squirrel it away? - With debts and desires, is it your destiny to spend a windfall? Here's hoping you'll say no.
Come into a windfall, now what? - Consider financing retirement, paying down your mortgage or saving for a rainy day.

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IRA's and Retirement Plans

401(k)
IRA
IRA Borrowing
IRA Rollovers
IRA Withdrawals
IRA's and College Expenses
IRA's and Real Estate
IRA's and Taxes
Retire Early
Retirement Needs
Retirement Planning and Investing
Social Security and Pensions

401(k)s

Managing Your 401(k)
401(k) Early Withdrawals
401(k) and Former Jobs
401(k) In Retirement
401(k) Loans
401(k) Rollovers

401(k) Early Withdrawals

Is a 401(k) early withdrawal penalty ever refunded? - Find out how to qualify for an exception to the rules on early distributions.
Can I avoid paying penalty for early 401(k) withdrawal? - You may not be able to avoid paying a penalty on the withdrawal -- and it could be costly.
Take money tax-free from 401(k) due to hardship? - You may be able to avoid the mandatory 20 percent tax withholding if your plan allows.
How much tax will I owe if I cash out my 401(k)? - The tax you'll owe will depend on what bracket you are in when you cash out your 401(k).

401(k), Managing

5 ways to maximize your 401(k) - Make your account work harder to help ensure a more comfortable retirement.
5 things you must know about 401(k)s - The most important tip: Don't miss out on free money for your retirement.
6 good reasons to put an annuity in your 401(k) or IRA - A qualified longevity annuity contract can reduce the risk of outliving your money.
Put after-tax money in a 401(k)? Enjoy this tax break - New IRS rules open the Roth door for 401(k) investors who contribute after-tax money.
Does employer match count toward 401(k) limit? - There's a limit on your 401(k) contributions, but your employer's don't count toward that limit.
Is there ever a reason not to participate in an employer's 401(k)? - Is an employer's 401(k) plan worth using if there's no company match or it has high fees?
Revealing nest egg fees Video - Fees could be eating away at your 401(k) without you knowing about it.
Find the 401(k) investing strategy for you - If you break down the fund choices in a 401(k) plan, it's easy to design an investment strategy.
When your company provides no 401(k) match - Don't let the lack of a 401(k) match at work keep you from saving for your retirement.
The importance of diversity in a 401(k) - If most of your retirement money is invested in one stock, you need to make changes.
Can I move my 401(k) while still employed? - Looking for more investment options with your retirement plan? Your employer holds the cards.
Should I Quit My 401k? by Gary Foreman - Why bailing out is the wrong answer (8/11/03)
401k Employer Contributions by Gary Foreman - Should you contribute if your employer doesn't? (9/2/02)
My Shrinking 401k by Gary Foreman - His retirement plan is losing money. Time to panic? (4/30/01)
Your 401k by Diane Halloway (2/28/00)
Getting the Most Out of Your 401k by Joe Chapin (1/24/00)
Using Your 401k to Pay Off Debts by Gary Foreman (12/27/99)
401k Plans Explained by Gary Foreman (5/10/99)
Retirement Account or Debt Reduction? by Gary Foreman (2/8/99)
Invest In Your Own Mortgage? by Gary Foreman (9/22/97)

401(k), In Retirement

Your 401k Plan When You Retire by Gary Foreman - What happens with your 401k when you retire?
Can I defer mandatory withdrawal from 401(k) working part time? - Can you defer a 401(k) withdrawal? It depends on if you are an employee or a contractor.
Must I withdraw from 401(k) at 72 while working? - Normally, you have to withdraw money from accounts by age 72, but there are exceptions.
Should working senior max out 401(k) contributions? - Even if you are working in your 60s, having a 401(k) match is a nice benefit.
401k Retirement Distributions by Gary Foreman - What happens with your 401k when you hit retirement age?
401k Retirement Distributions by Gary Foreman - Getting money out of your 401k after retirement.

Retirement and Your 401k - How will his 401k be distributed at retirement? (3/20/06)

401(k) and Former Jobs

2 reasons to stop putting off a 401(k) rollover after switching jobs - Why not leave your 401(k) money with your former employer? Here are 2 reasons.
I lost my job. What should I do with my 401(k)? - Retirement plans can change after a layoff. Here's what may happen to your 401(k).
8 vital things to know before moving your 401(k) - If you're leaving your job, don't forget about your 401(k) plan. Know these facts.
Reporting 401(k) and IRA rollovers - Did you take your company retirement plan to your new job? Here's how to report it to the IRS.
Unemployed and ready to cash out 401(k)? - Unemployed and need cash? Your tax bill might rise if you decide to drain your 401(k).
Unemployed: Cash out my 401(k) or roll it over? - You'd have to pay income taxes, plus a possible penalty, and your retirement would be at risk.
What to Do With Your 401k When You Leave Your Job by Roger Wohlner - Making the most of your retirement funds.
Can My Employer Steal My 401k? by Gary Foreman - Protecting your retirement savings (9/29/03)

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401(k) Loans

See Retirement, 401k Loans

401(k) Rollovers

Learn the pros and cons of 401(k) to IRA rollovers - You might find some benefits from converting a 401(k) to an individual retirement account.
I lost my job. What should I do with my 401(k)? - Retirement plans can change quickly after a layoff. Here's what may happen to your 401(k).
They're making us roll over an old 401(k)!? - You don't have to lose anything if an ex-employer wants your retirement plan out of its sight.

Financial Planning Advice: 401(k) Rollover (2/26/07)
Retirement Rollovers - Rolling all of your plans into one easy-to-manage account. (12/11/06)

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IRA's and Retirement Plans, IRAs

Retirement, IRA
Retirement, IRA Borrowing
Retirement, IRA Rollovers
Retirement, IRA Withdrawals
Retirement, IRA's and College Expenses
Retirement, IRA's and Real Estate
Retirement, IRA's and Taxes

IRA's and Retirement Plans, IRA

How to Choose Between a Regular and Roth IRA by Rick Kahler - It's mostly a question about taxes.
All about IRA accounts for novices - Don't know how an IRA works? It's much easier to understand than you may think.
5 ways to use your IRA to reduce retirement risk - If you're like most people, you don't have an IRA. Here's why that's dicey.
Expert Interview: Can You List Minor Children As Your IRA Beneficiaries? by Gary Foreman - There can be major advantages, but you need to know how to do it.
7 reasons you should consider having more than 1 IRA - If you've been advised to consolidate your IRAs, think again.
Expert Interview: What You Need to Know About Diversifying Your IRA by Paige Estigarribia - We talk with a CFP about IRAs.
Why to keep investing in your IRA during retirement - It may not sound logical, but putting money into an IRA in retirement can pay off big time.
6 tips for opening your first IRA - Opening an IRA isn't as hard as you think. Here's how to get started.
What is an IRA account? - Totally lost when it comes to the rules for IRA accounts? Bankrate explains.
6 reasons to switch your IRA to a Roth in your 50s or 60s - Here's when it makes sense to pay taxes upfront, as you do with a Roth.
Leave your grandkids a Roth IRA that will be worth millions - With a modest investment, it's possible to leave your kids or grandkids a fortune.
7 ways to take advantage of your IRA - Here's how you can maximize the underutilized IRA and understand all of its features.
IRA beneficiary errors that hurt loved ones - These dead folks are probably squirming in their graves. Prevent these IRA mistakes.
8 diverse strategies to pick investments for your IRA - Advisers are divided about how risky your investments should be in a traditional or Roth IRA.
Why your age should determine the risk capacity of your IRA accounts - Exposure to the stock market is essential, but here's what you must do as you get older.
Taking a short-term loan from your IRA - If you want to tap your individual retirement account for a loan, know the rules first.
3 places where you can open an IRA - You have a ton of options on where to open an IRA. This story explains them all.
Everything you need to know about IRAs - Don't know how an IRA works? It's much easier to understand than you may think.
6 tips for newbie IRA investors - Getting an IRA going isn't as hard as you think. Here's how to get started.
Do's and don'ts of leaving IRA assets in a trust - Naming a trust as your IRA beneficiary may be a smart move. Or it could be catastrophic.
3 ways to make the most of a Roth IRA - Here’s some advice for keeping Uncle Sam out of your nest egg.
10 must-know IRA terms - An IRA is a great resource for retirement income, but it helps to understand the jargon.
6 reasons to love a Roth over a traditional IRAThey may not be cuddly, but Roth IRAs offer rewards that can span generations.
How to be savvy, not stupid, with your IRA - Some money missteps are minor, but in an IRA account they can wreck your retirement.
6 tips for newbie IRA investors - Getting an IRA going isn't as hard as you think. Here's how to get started.
Why you should fund your IRA earlier in the year - Don't dawdle. Investing in an IRA early can make a big difference.
How to use your Roth IRA as your backup emergency fund - With a Roth IRA, you can withdraw your money any time without a tax or penalty.
6 surprising IRA investment options - Tired of plain vanilla holdings? Try spicing things up -- if you can handle the risk.
What is an IRA account? If you don't know you really need to read this - Totally lost when it comes to the rules for IRA accounts? Bankrate explains.
How to calculate required minimum distribution for IRA and 401(k) - The rules for taking required withdrawals from IRAs and 401(k)s are somewhat different.
Move 401(k) money to IRA without penalty? - Here's how you can shift your 401(k) funds to an IRA and avoid the 10 percent penalty tax.
Knowing your limits on Roth IRAs - The Roth IRA limits take into account many different forms of income.
What are the Roth IRA rules? - Retirement plans get extra attention during tax season. Here's a look at Roth IRAs.
Get your child to amass millions with a Roth IRA - With a little planning and some financial sacrifice, parents can give children the ultimate financial gift.
You can't take it with you: Leaving IRA to heirs - You need to take a wide view when making estate-planning decisions with your IRA.
8 pitfalls to avoid with an inherited IRA - Did someone leave you a fortune? You can lose a big chunk of it to taxes if you're not careful.
Should you be in a Roth 401(k)? - The Roth 401(k), a sort of hybrid of a Roth and 401(k) may be offered by your employer. Should you be utilizing it?
Boomer dilemma: Traditional or Roth IRA - These factors will determine what's best for 50-somethings saving for retirement.
Do's and don'ts of leaving IRA assets in a trust - Naming a trust as your IRA beneficiary may be a smart move. Or it could be catastrophic.
How do I set up Roth IRAs for my grandkids? - Seniors often start IRAs for grandchildren, but they should check the limitations first.
How to buy individual TIPS in an IRA - Inflation-protected Treasury bonds can protect the buying power of your nest egg.
9 IRA secrets you should know - IRAs are often misunderstood. Learn what you don't know here.
6 reasons to love a Roth over a traditional IRA - They may not be cuddly, but Roth IRAs offer rewards that can span generations.
Find the 401(k) investing strategy for you - If you break down the fund choices in a 401(k) plan, it's easy to design an investment strategy.
Traditional IRA vs. Roth IRA - Traditional and Roth IRA versions offer tax breaks, though they're somewhat different in nature.
6 surprising IRA investment options - Tired of plain vanilla holdings? Try spicing things up if you can handle the risk.
Raid IRA to get into a senior retirement community? - To avoid using your IRA to pay the entrance fee, consider a bridge loan or a HELOC.
Everything you need to know about IRAs - Don't know how an IRA works? It's much easier to understand than you may think.
6 advantages of Roth IRAs - They may not be cuddly, but Roth IRAs offer rewards that can span generations.
IRA distribution rules for married couples - The law doesn't include special required minimum distribution rules for married couples.
Using IRA money for a down payment on first home - A family wants to move out of a rental to care for their child with special needs.
Is your retirement money languishing in low-interest IRAs? - To beat inflation and meet your retirement goals, consider investing more aggressively.
Shifting maturing annuity funds to an IRA - If you want to move funds from a maturing annuity to an IRA, take care to avoid a tax hit.
10 must-know IRA terms - An IRA is a great resource for retirement income, but it helps to understand the jargon.
Transferring your assets to a new IRA - Want to move an individual retirement account? Learn about a direct transfer of holdings.
Do's and don'ts of leaving IRA assets in a trust - Naming a trust as your IRA beneficiary may be a smart move. Or it could be catastrophic.
9 IRA secrets you should know - IRAs are often misunderstood. Learn what you don't know here.
Placing an IRA in a trust for a child - Want to provide for your child? Here's how to place your IRA in a trust for peace of mind.
Starting an IRA (5/8/00)

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IRA's and Retirement Plans, IRA Borrowing

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IRA's and Retirement Plans, IRA Rollovers

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IRA's and Retirement Plans, IRA Withdrawals

7 IRA withdrawals that don't trigger a penalty - Here's just one example: You can take out up to $10,000 toward buying your first home.
When can you tap your IRA without owing a tax penalty? - Need to take money from a retirement account before age 59 1/2? It's OK in these cases.
4 times you can raid your Roth IRA early - The Roth IRA's versatility makes it useful for many things other than retirement.
When it's OK to tap your IRA - If you need to take money from your IRA, here's when Uncle Sam says it won't cost you extra.
Meeting IRA withdrawal rules - No joke. The IRS says some older taxpayers must withdraw a bit of IRA money by April 1.
When it's OK to tap your IRA - If you need to take money from your IRA, here's when Uncle Sam says it won't cost you extra.
What are the Roth IRA withdrawal rules? - Here are nine ways to avoid paying a 10 percent penalty on Roth IRA withdrawals.
What if I withdraw an IRA CD before maturity? - If you break into your IRA CD early, the bank might penalize you. Here's what to do.
Taking a short-term loan from your IRA - If you want to tap your individual retirement account for a loan, know the rules first.
Using Roth IRA funds for 60 days with no penalty - The IRS does allow tax-free withdrawals if you follow certain steps within 60 days.
Pay tax on an IRA withdrawal used to buy home? - If you made tax-deductible contributions to your IRA account, then you'll have to pay taxes.
Penalty-free 401(k), IRA withdrawals during financial hardships - Lose your job? In some situations, you can take early withdrawals, penalty-free.
Roth IRA withdrawal rules to buy a first home - People often confuse the withdrawal rules of traditional IRAs with those of Roth IRAs.

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IRA's and Retirement Plans, IRA's and College Expenses

Can I raid my IRA without penalty to pay son's student loan? - Using an IRA distribution to make son's student loan payment could cost you.
Use Roth IRA to pay down school loan? - You can avoid a tax hit by following the rules when tapping a Roth IRA to pay down debt.
Use Roth IRA to fund daughter's college tuition? - Your wife can use a Roth IRA to pay college tuition for herself and certain family members.
Can you use Roth IRA funds to to attend school? - You can use Roth funds at schools that participate in student aid programs here and abroad.

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IRA's and Retirement Plans, IRA's and Real Estate

The rules on taking an IRA distribution tax free to use toward first-time home purchase - You can't escape tax entirely, but you can avoid the 10% IRA withdrawal penalty.
Why you shouldn't buy real property in your IRA - You lose too many benefits and are too constrained if you buy real estate in an IRA.
My Story: IRA vs. Your Mortgage - Five years later she's convinced she made the right move (3/29/04)
Prepay Mortgage or Contribute to IRA by Gary Foreman (10/28/96)

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IRA's and Retirement Plans, IRA's and Taxes

see Retirement: IRS's & Taxes

IRA's and Retirement Plans, Other

What's the Difference Between a Roth and a Traditional 401k? by Paige Estigarribia - A CFP explains the differences.
How to get an IRA distribution from your bank - Getting money out of an IRA is easy. You need to contact the trustee. Here's how.
Can I consolidate IRAs with my spouse? - Consolidating IRAs does make sense, but your IRA must be separate from your spouse's.
8 ways to totally mess up (and clean up) your IRA - You don't have to be an idiot to make these mistakes -- or a genius to fix them.
A 'Lost' Retirement Plan - How can she find her assets? (10/18/04)
Nearly Retired by Gary Foreman - She's 50 without any savings. Now what? (4/1/02)
Friendship Loan by Gary Foreman - Should he loan money to his friend? (11/19/01)
Almost Retired Planning by Gary Foreman - Better late than never (8/13/01)
Annuity Income Options by William D. Brownlie, CLU, ChFC - How would you like your money paid out? (2/19/01)
Seven Ways to Make a Million by Doris Dobkins (11/13/00)

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IRA's and Retirement Plans, Retire Early

Retiring early? How to tap your IRA without a penalty - Early retirees can tap their IRAs without a penalty by following these steps.
Investment Moves to Help You Retire Early (8/30/04)
My Story: A Plan for Early Retirement by KM - An early retirement from extra income (8/19/02)
Retire Early by Gary Foreman (10/30/00)

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IRA's and Retirement Plans, Retirement Needs

Five Ways to Make Sure You'll Never Retire (9/19/05)
Retiring Is a Two-Sided Coin by Greg Melikov - At age 29 he decided to plan for an early retirement (2/23/04)

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IRA's and Retirement Plans, Retirement Planning and Investing

How can I grow money safely in my Roth IRA? - You can't get growth without taking risk. If you don't take risk, you'll lose buying power.
Fit to Retire - Lose weight and save for retirement at the same time (11/8/04)
Retirement Planning 101 by Gary Foreman (5/3/99)
Retirement Plans: Avoiding Unpleasant Surprises by Tonya M. Blake (6/1/98)

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IRA's and Retirement Plans, Social Security and Pensions

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Laundry

Air Drying Clothing
Dry Cleaning
Homemade Laundry Recipes
Laundry Tips & Tricks
Saving on Laundry Supplies
Stain & Odor Removal



Lawns & Landscaping

Landscaping
Lawn Care
Lawnmower Maintenance
Lawn Pest Control
Lawn Weed & Disease Control
Trees

See Also:
Gardening



Legal Issues

Bankruptcy
Estates
Landlords and Property Disputes
Other
Selecting an Attorney

Legal Issues, Estates

How to split up the willed family home - How does your family plan on dividing up actual property without disrupting the harmony? (10/30/09)
My Story: Ailing Parents and Financial Questions (10/25/04)
Who Gets What? - Estate planning for a second marriage (5/10/04)
Preparing for the Inevitable by Nita Jackson - Proper estate planning is essential (3/11/02)
Inherited Debts? by Gary Foreman - Can she inherit her parent's debts? (10/29/01)
Do I Need a Will? by Gary Foreman (5/22/00)

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Legal Issues, Landlords and Property Disputes

5 Tips for Getting Your Security Deposit Back by Tali Wee - Don't give your landlord an extra month's rent.
What Are My Rights? - When your landlord is negligent (7/28/03)
Where's My Money - Getting your utility deposits back (5/5/03)
Repairing a Fence - Should your neighbors help pay for repairs to a privacy fence that benefits them? (4/28/03)
Property Line Disputes - Whose side is the fence on? (2/3/03)
Lemon Appliances by Deborah Michelle Sanders (9/18/00)

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Legal Issues, Other

Preparations for If (When?) You Need a Financial Caretaker by Rick Kahler - Don't wait until it's too late.
Expert Interview: What Is a Power of Attorney and Do You Need One? by Gary Foreman - We talk with a lawyer about this important legal document.
Should a dad sue his daughter over $493? - Yes, she owes you money. But is it really worth suing your own daughter to get it back?
Consumers Turn to Arbitration by Curtis D. Brown - Getting their day in court (2/9/04)
Your Insurance Claim by Dan Baldyga - Medical insights and expenses (11/11/02)
Insurance Claims by Dan Baldyga - How medical bills and reports affect your claim (9/16/02) >
Your Rights When Flights Are Delayed by Anita Dunham-Potter (8/21/00)

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Legal Issues, Selecting an Attorney

Prepaid Legal Plans - Readers share their experiences (7/19/04)
Be an Attorney's 'Best Client' by Nancy McCaslin - 6 suggestions for lowering attorney fees (7/12/04)
Expensive Legal Documents by Gary Foreman - Do I need a lawyer for a trust or will? (12/8/03)
Affording Legal Advice by Ben Oldenkamp (11/15/99)

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Lending Money to Family/Friends

4 tips to get paid back for a personal loan to friends or family - Asking someone close to you to repay a loan can be touchy. Here are tips for making it easier.
When a family member won't pay back your loan - When you loan money to anyone, get a written agreement. What if you only had a handshake?
Should I use retirement to pay son's debt? - Nobody wants their kids to struggle with debt. If they ask for help, how much should you give?
When family skips out on a loan, should you sue? - Certain conditions must be met before using court action to enforce a loan agreement.
Don't get stiffed by freeloading kids - Don't let freeloading kids slide on a family loan. Make them pay it off with interest.
Don't make lending a family affair - There's a word to describe many loans made to relatives -- losses.
Is Lending to Your Child Worth the Risk? by Craig Guillot - Evaluate the risk before you make the loan.
Helping a Desperate Sister - She wants a new car. Can I get involved? (5/14/07)
How to Lose Friends and Money - Is it a good idea to loan money to a friend? (9/4/06)
Friendship Loan by Gary Foreman - Should he loan money to a friend? (11/19/01)
When Friends Are Laid-Off - How you can help (10/15/01)


Loans, Borrowing Money

401(k) Loans
Auto Financing
Co-Signing
From Family/Friends
Home Equity Loans
Mortgages
Personal Loans
Student Loans

Making Extra Money

See Earning Money

Marriage

Before Marriage
Sharing Your Lives
Newlyweds
Spendthrift Spouse

Marriage, Before Marriage

Don't Get Married Without Doing This Paperwork by Alex J. Coyne - Failure to do the proper paperwork could cost you!
A DIY Prenup That Can Improve Your Marriage by Rick Kahler - A prenup doesn't have to involve divorce.
New wife responsible for hubby's debt incurred prior to marriage? - Your spouse's creditors may suggest you are liable for debts incurred prior to marriage. Don't believe it.
5 money issues that sink relationships - If you recognize any of these in your relationship, address them now so they don't become a big problem down the road.
5 big money talks to have before tying the knot - Don't pop the question before getting answers to these financial questions first.
Money Questions When You're Engaged by Paige Estigarribia - Your financial to-do list before you get married.
Talking Money With Potential Mates by Rick Kahler - Money dating etiquette.
How much should you really spend on an engagement ring? - Financial experts advise forgetting the two-month salary rule when buying an engagement ring.
6 money management tips before you marry - Unsure if your partner can manage money? Don't wait until after your marriage to find out.
Pre-marital Financial Counseling by Barbara Marquand - Avoiding financial disagreements after you're married.
Checklist for name change after marriage - Follow these steps to keep your financial house in order after you take your partner's name.
Prenuptial Agreements by Rick Kahler - How do you know if you need a prenuptial agreement?
Why you should say 'I do' to a prenup - Love is blind, but divorcing spouses can have 20-20 vision. A solid prenup can avert financial disaster.
Inheritance In a Second Marriage - How to determine what different children should inherit.
Love Is Blind, But Creditors Aren't by Gary Foreman - When your fiance brings debts with them
Avoiding Irreconcilable Differences by Cindy Snyder (10/23/00)
Frugal Advice for the Soon-to-Be Wed - Reader's Tips (4/13/98)

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Marriage, Sharing Your Lives

Baby Boomers and Financial Infidelity by Gary Foreman - How to keep your marriage financially pure!
Joint or Separate Finances for a Second Marriage?
3 Ways to Destroy Your Marriage by Laura Harris - Here's how to use your finances to ruin your relationship.
The ABCs of a Better Relationship by Shaunna Privratsky - 26 ways inexpensive ways to keep the home fires burning bright!
Couple's Finances by Rick Kahler - Should you combine your finances or keep them separate?
Why you shouldn't pry into your spouse's credit - It's illegal to pull your partner's credit, but couples should share reports. Here's why.
7 warning signs that you and your mate are a bad money match - Find out before it's too late whether you and your honey lack financial chemistry.
When and how to talk finances with your partner - Finances matter at all points in a relationship. Here's how to keep the love while talking money.
How Not to Fight About Money by Joel Fink - A CPA tells you how to avoid money fights.
Getting on the same page: A retirement checklist for married couples - Couples who share a retirement vision from the get-go have a better chance of success.
Couples' cash: Managing money with your partner - Don't let spending be divisive. Follow these tips to tackle money matters and quit arguing.
How to not fight about moneyVideo - Money is the top reason why couples break up. Follow these tips to merge your finances the right way.
Newly married?? Set your money goals - Give each other the wedding gift of a sound financial plan.
Financial planning challenges for couples getting remarried - More couples are remarrying, resulting in unique financial planning challenges.
Financial tips for starting a family Video - Young families face many challenges when it comes to managing money early in the relationship.
Are you and your honey a money match? Quiz - When it comes to matters of the heart, you're a match. But what about money matters?
Stop Fighting About Money by Shaunna Privratsky - 9 ways to avoid marital money problems.
Save Your Marriage Without Counseling by Michelle Croyle, M.A. - Avoiding the high cost of counseling.
Money Mistakes of a Young Couple - Part 2 by Kasey Steinbrinck - The mortgage, the car loan and unemployment.
Money Mistakes of a Young Couple - Part 1 by Kasey Steinbrinck - Student loans, credit cards and overspending.
Second Marriage Finances by Gary Foreman - How to handle finances in a second marriage.
6 Steps to a Successful Money Talk With Your Mate by Alicia Z. Klepeis - How to talk about money with your spouse.
The dollars and sense of remarrying after 60 - Getting hitched in your 60s requires more financial planning than when you're young and broke.
Love & money quiz: How do you & your mate relate? - Take this quiz to see whether you and your partner are financially compatible.
Couples' cash: managing money and marriage - Money fights are a major reason couples split up. Try these tips to avoid a blowup.
Marrying for richer rather than poorer - Evidence suggests that those who marry will be better off than those who stay single.
Financial Infidelity by Candace Bahr, CEA, CDFA and Ginita Wall, CPA, CFP(r), CDS - A surprising amount of infidelity goes on every day without a word. (3/02/09)
Can spenders and savers co-exist? - Communication and compromise are important skills for couples with wildly divergent money styles. (6/1/10)
How to Manage Money as a Couple by Jane Honeck, CPA - Money is the most divisive topic for most couples.
Couples Money Talk by Rick Kahler - 4 tools to help you communicate about finances.
How Financial Planning Can Help a Marriage by Casey Quinn - Overcoming the money challenges in marriage.
Don't Argue About Money by Hannah Augustine - I love you, but you’re making me broke.
Marital Bli$$ by Eric Tyson - Stop fighting and start uniting.
For Richer, For Poorer by Steven B. Smith - Managing your finances as a couple to live happily ever after
My Story: Marriage and Money
Mother vs. Girlfriend - Caught between two payments
Top 10 Secrets to Avoiding Marital Money Chaos - Improve your relationship with your money and your mate
Who Gets What? - Estate planning in a second marriage
Until "Debt" Do Us Part by Damon Carr - Don't let money destroy your marriage
Love Is Blind, But Creditors Aren't by Gary Foreman - When your fiance brings debts with them
Stop That Overspending Spouse
Problem Solving for Couples by Dr. Kevin Polk
Handling Finances in a Second Marriage
Couples and Money by Jane Chidester
Young Couple Finances - Laying a good foundation

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Marriage, Newlyweds

6 tax tips for newlyweds - It may not be romantic, but taking care of these tax tasks after you return from your honeymoon can save you some money.
Newlyweds want to spend and pay down debt - Newlyweds must balance desires and demands for their money, including debt.
3 financial questions for newlyweds - Just married? Here are three money questions you and your new spouse should ask.
6 tips for merging money styles as newlyweds - Marriage is more than joining together as a couple. It's also combining financial habits.
Financial Advice for Newlyweds by Bill Hardekopf - 10 Ways to avoid financial stress in your marriage.
How Newlyweds Can Minimize Financial Stress by Bill Hardekopf - Keeping financial stress from derailing your marriage.(7/13/09)
Young Couple Finances - Laying a good foundation (10/4/04)
Common Financial Mistakes of Newlyweds by Megan Franks - Prevention is the key (1/12/04)
The Early Years - Advice for newlyweds struggling with limited income (3/3/03)
New Marriage, New Budget by Michelle Kennedy Hogan (1/31/00)
For Richer or Poorer (financial advice for newlyweds) by Gary Foreman (3/29/99)

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Marriage, Spendthrift Spouse

Could You Be Causing Your Spouse to Overspend? by Shaunna Privratsky - They're spending the money, but are you to blame?
Don't let debt put your love in the red Video - How do couples find common ground in the way they handle debt?
Slideshow: How to Stop an Overspending Spouse by Pam Hutzler - What to do when you can't get them to stop spending.
When Your Spouse Doesn't Care About Money by Todd Morse - 5 ways to deal with a spouse who doesn't want to save money.
Hubby's Spending by Gary Foreman - What can she do to reduce her husband's spending?
Can money mismanagement kill your marriage? - Money can be a wedge for couples. Can money management keep you and your spouse from arguing?
Overspending Spouse
Staying Sweet on Your Spending Spouse - Being happy despite your financial differences
Dueling Vices - When you and your spouse argue about spending on bad habits
Working As a Team by Shelly Burke - Don't let money be a source of dissention in your marriage
Stop That Overspending Spouse
My Story: An Un-Frugal Spouse by Maggie - Some things work and others don't
Opposite Money Styles by Jane Chidester
Making Peace With Your Partner's Spendthrift Ways by Cyndi Webb
Living With a Spend-Thrift Spouse - Reader's Solutions

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Medical Care

Bills
Health Savings Accounts
Home Remedies
Insurance
Insurance Claims
Long-Term Care Insurance
Medication
Other
Seniors

Medical Care, Bills

See also
Debt, Medical Bills

Operation Is a Game...…Medical Expenses Shouldn't Be by Jessica Graham - Reducing the cost of staying healthy.
Saving Money During a Hospital Visit by Rich Finzer - It adds up quite quickly.
Reducing the Cost of an ER Visit by Debra Karplus - Don't let the bill make you sicker.
Slideshow: An Unaffordable Emergency Room Bill by Shaunna Privratsky - What to do when you can't afford the ER bill.
10 Ways to Deal With an Expensive Emergency Room Bill by Gary Foreman - Don't let your finances end up in the emergency room.
5 ways to slash your medical bills upfront - Take action before treatment so your recovery won't be ruined by sickening charges.
Video: Save or Pay Down Hospital Bill? by Gary Foreman and Curtis Arnold - How should they use their extra monthly income?
Can't Afford the ER Bill - What can you do with an emergency room bill that's bigger than your annual income? (10/11/10)
Get Your Hospital Bill Right by Lauren Romano - Don't overpay on your hospital bill. (10/06/08)
Surviving the Medical Billing Maze by Annette and Steve Economides (10/06/08)
Emergency Room Outrage - How to dispute excessive charges (8/18/03)
Baby Birthing Blues - They don't have maternity coverage. Now what? (11/26/01)
Watch Those Hospital Bills by Sharon Powell (12/11/00)
Reducing Hospital Bills (9/28/98)

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Medical Care, Health Savings Accounts

4 reasons you need an HSA to go with your IRA - Health savings accounts have tax advantages to pump up your retirement portfolio.
Understanding health savings account rules and regulations - Health savings accounts can grow over time to become a significant part of your wealth.
My Story: Medical Care for Less by Sybil - How one family handles medical care (11/5/01)

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Medical Care, Home Remedies

See Health, Homemade Remedies



Medical Care, Insurance

See Insurance, Health



Medical Care, Insurance Claims

See Insurance, Claims



Medical Care, Long-Term Care Insurance

See Insurance, Long-Term Care



Medical Care, Medication

Jean Chatzky: The Rx for drug-cost savings - Shocked by increases in drug prices? Follow these 4 steps to lower your prescription costs.
Beyond Generics by Beth Hering - 5 ways to reduce healthcare costs.
Getting the Most Out of Your Health Care Dollars by NAPSA - Understanding your insurance can help you save time, money and maybe your own health. (12/14/09)
Saving at the Doctor’s Office
The Prescription Lowdown - Finding cheaper alternatives
Save Bundles On Medication
Prescription Drug Help - A senior needs her meds

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Medical Care, Other

What Is a Living Will? courtesy of DailyCaring.com
Pay your doctor just like you pay for Netflix - Direct primary care practices don't take insurance but instead charge a monthly fee.
Financial Issues for Alzheimer's Families by Gary Foreman - What financial questions for families with an Alzheimer's patient face?
Planning to Be Sick by Lynn Bulmahn - Being prepared can make it easier to be sick.

Finding Used Medical Equipment - used medical equipment can reduce costs. (8/24/09)
Be a Wise Healthcare Consumer (2/14/05)
My Story: A Tightwad Visits the Dental Office (8/9/04)
Avoiding Allergies by Carolyn Allen (9/11/00)
Teeth Whitening (9/11/00)
A Healthy Heart by Paul Blustein (6/19/00)
Sports and Fitness Injuries by Dr. Robert Osgoodby (5/15/00)
Stabilize Stress by Dr. Donald E. Wetmore (4/3/00)
Emotional Upset and Heart Attacks by Paul Blustein (3/27/00)
Less Expensive Braces (11/29/99)
Money Down the Drain (dental care) by Dr. Eric Spieler (8/4/97)

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Medical Care, Seniors

Medical Expenses Medicare Doesn't Cover by Gary Foreman - You'll still have medical expenses after you turn 65.
The surprising tool that helps fight dementia - Hearing aids might be worth their steep cost if they mitigate the risk of dementia.
5 ways seniors can prep for a doctor's visit - Make your doctor's visit more than sticking out your tongue and saying "aah." Here's how.
Financial planning after Alzheimer's diagnosis - If you or a loved one gets this news, it's imperative to put your finances in order.
Finding Mom a Hearing Aid (9/13/99)

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Miscellaneous

Bargains
Emergency Preparation
Entertainment
Forming Habits
Friends and Family
Other
Perspectives
Reusing
Saving Money
Setting Goals
Unemployment

Miscellaneous, Bargains

The Value of Free by Veronica Bowman - Never underestimate the value of free.
6 simple ways to score free stuff - Why pay when you can snag something free? The trick is to know where to look.
Shopping on the Curb by Katy Dotson - Turn your neighbor’s trash into a treasure. (8/9/10)

Bag Sale Bargains by Shaunna Privratsky - Enjoy a bonanza of bargains in a bag. (1/25/10)
Petroleum Jelly by Linda Shapero - Bargain bonanza in a tiny tub. (4/27/09)
Below Face Value Stamps - Can you really buy postage stamps at a discount? (10/16/06)
In Black and White - Your newspaper offers great savings opportunities (6/20/05)
Celebrating a Wonderful Lady's Life by Marenda Babcosk - Carrying on a thrifty legacy (4/26/04)
My Story: After 35 Years - contributed by K.M. - Living a happy, simple and frugal life (3/17/03)
Cooperative Extension Resources by Deborah Taylor-Hough - They offer more than you think (7/9/01)
Saver or Spendthrift by Teresa Higginbotham (3/13/00)
Champion Cheapskate Test by Arthur A. Hawkins II (6/15/98)

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Miscellaneous, Emergency Preparation

See Emergency Preparation

Miscellaneous, Entertainment

Winter Birdwatching by E. E. Kane - Feeding birds in winter makes for excellent birdwatching
The Casino Comp Trap? by Heidi C. Brescher - Why casino 'comps' could be very expensive.
Internet Time Wasters Joanne Guidoccio - How to keep the internet from wasting your time
Don't let fantasy sports tackle wallet - Fantasy sports can be fun and even profitable. But your wallet is at risk if you're not careful.
The Frugal Winelover by Janey Womeldorf - 15 ways to indulge for less.
5 ballparks that will ding your wallet - From Wrigley Field to Yankee Stadium, here's what a beer, hot dog and ball cap will cost you.
9 fun things to do online for free - Sometimes the best things in life really are free. Explore these fun things you can do or find online. (7/13/10)
6 ways to get free movies and discounts - Families hit hard by the recession can use these six tips to find free movies and ticket discounts. (4/20/10)
The Benefits of Volunteering by Debra L. Karplus, MS - Giving your time and talents not only feels good, it has some other benefits, too! (3/22/10)
Your Local Library by Phyllis Guth - How much can you really save by using your local library? (12/17/07)
Summertime Savings by Teri - Great ideas to save you some money (7/2/01)
Moneysavers: The Library by David Barnett (4/5/99)
North of the Border: Questions by Pat Mestern (2/8/99)

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Miscellaneous, Forming Habits

Simple Habits That Make a Financial Difference by Joel Fink - Easy habits that anyone can develop.
10 bad money habits that lead to debt disaster - These money pitfalls could bankrupt you. Good news: They can be easily avoided, too.
10 Things You Shouldn't Do In the Bedroom by Shari Smith - No matter what you see on TV!
The Cost of Procrastination by Veronica Bowman - Putting things off could be surprisingly expensive.
Are your vices foiling your finances? - We do the math on three personal indulgences. You may be surprised at how much you can save by giving one up. (10/20/09)
Quick Fix or Daily Habit - Getting personal finances in order one day at a time (5/7/07)
One Habit at a Time by Deborah Taylor-Hough - You'll be reaching your goals in no time (12/29/03)
The Power of Habit by Catherine Levison - Yes, you can change your life (12/31/01)
The Curse of Perfectionism by Dr. Donald E. Wetmore - Are your good efforts doomed to fail? (12/17/01)
The One Percent Solution by Philip E. Humbert, PhD. (12/11/00)
Replacing Bad Habits by Dr. Bob Osgoodby (11/27/00)
Life's Temptations by Carolyn Allen (3/13/00)
Are You Ready for a Change? by Dr. Kevin Polk (2/21/00)

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Miscellaneous, Friends and Family

Expert Interview: Helping a Parent Downsize Before a Move to an Assisted Living Facility by Paige Estigarribia
Moving Back In With Your Parents by Wayman Stewart - Making it a positive move.
Multigenerational homes a family solution - You can keep closer tabs on Mom and Dad, yet they can enjoy their own space and privacy.
Coming Back Home by Steve and Annette Economides - Approximately 50% of 24 year olds are living with their parents.
Is the Economy Killing Fatherhood? by Tom Watson - Ways to be a better father in trying times.
My Story: For a Sick Friend contributed by Linda H. - Creative, frugal ways to show you care.
Reducing a Birthday List - What can you do when too many people expect gifts on their birthday?
Boomerang Kids by Rick Kahler - Things to think about before adult children move back in.

Working with Others to Save Money by Lisa Palmi - Banding together to survive tough times. (8/09/10)
Helping Friends - How can you help friends who are struggling financially without embarrassing them? (5/17/10)
When Your Friends Struggleby Lisa Palmi - There are ways to help. (10/06/08)
Adult Children Living at Home - Getting them to contribute. (9/17/07)
Mother vs. Girlfriend - Caught between two payments (5/23/05)
Dueling Vices - When you and your spouse argue about spending on bad habits (11/22/04)
What Does Love Mean? - courtesy of Servant.org - Some things money can't buy (12/23/02)
When Friends Are Laid-Off - How you can help (10/15/01)
A Family Mission Statement by Deborah Taylor-Hough - Have you decided what's important for your family? (5/28/01)
Make Frugality a Family Affair by Nancy Twigg (10/16/00)
When Friends Say You're Cheap (12/6/99)

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Miscellaneous, Organization and Cleaning

see Cleaning
see Organization

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How to Hire an Affordable, Reliable Housesitter
How do you research crime in a neighborhood? - Local crime information is at your fingertips online, and mostly free.
2 important numbers to check each birthday - Money Rule No. 30: Every birthday check your weight and your credit score.
Is wearable technology worth buying yet? - 'Wearables' may be the wave of the future, but are they worth paying for in the present?
How oversharing on social media can cost you - Smartphones make it easy to share everything online, but that doesn't mean it's a good idea.
Using MeetUp.com to Save Money by Christine Stephens - A social media site that could save you money.
How to track down unclaimed funds - The money is likely in an unclaimed property account. Here's how to go about finding it.
Can a lawyer really beat your traffic ticket? - Specialty law firms claim they can get your traffic ticket tossed. True?
Are you violating copyright infringement rules with content downloads? - You can incur big fines and severe penalties for stealing content. Here's what you need to know.
How to Swap Unwanted Gift Cards - Looking to trade gift cards for cash or other cards?
How valuable are you to a mugger? - Is your wallet the most valuable item on you? Think again. All that tech you carry adds up.
Don't be stupid with an unwanted smartphone - Take steps so your cast-off phone won't provide a clear connection to identity theft.
6 steps to choosing the right movers - Find out if a moving company is the best fit and has the stuff to handle yours.
Make Your Own Faux Volcanic Rock by Nanette Richford - How to make hypertufa volcanic rocks and planters.
Freebies are more rare in the land of the fee - Something for nothing? Not anymore, thanks to fees on formerly free stuff like pizza deliveries.
Making cents of daylight saving time - Is daylight saving time a boon or a bust for the economy? Experts disagree.
Slideshow - Forget the lotto -- try sweepstakes - Want to win big? Your odds of success are higher with sweepstakes.
7 Great Alternatives to Selling Your Stuff On eBay by Andrew Kardon - There's more than one place to sell extra stuff.
What to know before making mobile payments - Online bill paying is not a worry for consumers. Mobile payments? Possibly. Here's what to know.
5 tips for finding lost loot - Are you sitting on unclaimed money? Learn how to get your hands on it.
Pain in the lot: Curb costly parking fees - With parking fees commanding a premium, drivers must get creative to control costs.
Fast Fall Fix-ups by Shari Smith - Getting your home ready for the winter months.
A cheat sheet on tipping do's and don'ts - These tips on tipping should be your guide to gratuities in eateries, airports and many other spots.
6 smartphone shopping app traps - Using your mobile phone can be convenient, but being smart involves avoiding spending traps.
OMG! Social media fails - One wrong move could put your job on the line, get you fined or prompt a lawsuit.
Savings for Boaters by Rich Finzer - What you buy and where you buy it could make all the difference.
Frugal String Trimmer Refills - Inexpensive ways to refill your string trimmer
Inexpensive Etiquette by Rebecca Rogge - Being thoughtful on a budget.
5 steps to win in small claims court - Pursuing a judgment in small claims court can help you collect what is rightfully yours.
8 ways to avoid getting conned - A former cop tells you how to stay one step ahead of thieves.
Track down your unclaimed property - They're your valuables. Hunt them down before your state auctions them off.
5 tips for frugal spending on Fido - Fido doesn't have to live a dog's life. Plan ahead for the long-term cost of ownership.
5 tips for finding lost loot - There may be unclaimed money that's yours and you don't know about it. Here's where to look.
10 part-time jobs for retirees - Nearing or in retirement? These part-time jobs can keep your wallet flush with cash.
7 ways to score discounted gift cards - There are lots of ways to save on gift cards. Check out these tips for finding deals. (11/01/10)

Dumpster Diving with Panache by Debra L. Karplus - The stereotype is all wrong. (10/4/10)
Home Safe Home by Debra L. Karplus, MS, OTR/L - Cheap ways to keep your house safe while you’re away. (8/9/10)
Benefits of Apartment Living - Are there advantages for a family living in an apartment? (3/23/09)
Savings for Apartment Dwellers - Maximizing space and minimizing utility bills (3/24/08)
Jewelry Appraisal (6/20/05)
A Better Commute - Bicycle to work (8/30/04)
Packages for Overseas Service Personnel - Tips on selecting, packing and shipping that little slice of home (5/3/04)
Encouraging Words - When you're about to throw in the financial towel (2/16/04)
Eligible, But Not Needed - When you qualify for government aid but don't need it (1/12/04)
The Health-Wealth Connection by Shawnda Spille - Are they really related? (3/26/01)
Frugality Revisited by Nancy Twigg - Save money by taking a fresh look at things (3/19/01)
Use the "Law" to Save Thousands by Gary Foreman (9/18/00)
Top 12 by Kelly Jo Landers (4/3/00)
What About Ben Franklin by Doris Dobkins (2/14/00)
Getting Out of Balance by Dr. Don Wetmore (8/23/99)
How to "Have Your Cake and Eat It Too" by Robert Kothe (8/16/99)
Fundraising Ideas - part two (8/9/99)
Fundraising Ideas (8/2/99)
Do You Have Unclaimed Property? (6/14/99)
Stopping Telephone Solicitors by K.L. (4/19/99)
Starting a Frugal Living Group (9/14/98)

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Miscellaneous, Perspectives

Do you think money buys happiness? Video - Research shows that it's not necessarily money that makes you happy. Learn what can make you happier.
Could Distractions Be Costing You? by Veronica Bowman - You'd be surprised what happens when you don't pay attention!
Abbey Buys Samantha by Steve and Annette Economides - Life lessons when a 9 year old buys a doll.
Are They Set In Their Happier Ways? by Kerry Cunningham and Ryan Howell - Why is it that older people seem happier?
Celebrities Who Are Known for Being Frugal by Danny Ambrose - They may be rich and famous, but they're still frugal.
Frugality's Hourly Rate Veronica Bowman - What's your hourly rate for frugal activities?
A Little Difference by Gary Foreman - How to turn little things into big results.
Pizzazz for Pennies by Veronica Bowman - Yes, small things can make your life brighter.
Defining Frugal - What does being 'frugal' mean to you?

Frugal DNA by Steve and Annette Economides - What is a Dollar Stretcher made of? (12/24/07)
A Dollar Stretcher Is… - What a Dollar Stretcher was and how you can spot one. (11/12/07)
What I Learned From an Apple Tree (7/19/04)
The 'Last Time' vs. The 'Next Time' by Rebecca Underwood - Learning from our mistakes (5/10/04)
Unexpected Lessons In Frugality by Joanna Harness - What Grandma left behind (11/17/03)
Too Frugal? by Gary Foreman - Frugal living in balance (7/14/03)
My Story: Testimony of a Farm Life - contributed by Janice - A great, well-balanced life (7/8/02)
My Story: Frugality and Self-Empowerment" contributed by D. - A whole new sense of freedom (3/11/02)
One Dollar Bill by Mia Cronan - How you look at it makes all the difference (1/22/01)
A Converted Spendthrift by Cathy Ann (9/25/00)
Tales of a Blue Bug by Natalie Venezio (6/26/00)
Just Excuses by Kelly Jo Landers (4/24/00)
Thinking About Finances by Gary Foreman (4/17/00)
My Story: On Being Poor by Darla B. (8/16/99)
Am I Poor? by Pat Mestern (7/19/99)

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Miscellaneous, Reusing

See Recyclying and Upcycling

Miscellaneous, Saving Money


Why I Live Abroad by Jonathan Schwartz - The economics make it attractive. (3/1/10)
Love What You Have (1/23/06)
How to Grow Your Very Own Money Tree (7/25/05)
Top 5 Pitfalls of Frugality (6/20/05)
7 Lessons From Grandma - Getting by with less, while living well (9/20/04)
Saving Money Is Fun - Make it a hobby instead of a chore (7/19/04)
Immigrant Lessons by April Borbon (4/26/04)
My Story: Half Is the Answer! - Less can be more (9/15/03)
Conspicuously Thrifty - Let your financial accomplishments shine (6/23/03)
Signs of Wealth by Gary Foreman - Read the signs for an easier trip (11/18/02)
Favorite Frugal Resources - What helps you to save money? (12/31/01)
Lessons from WW2 - What did they know that we should learn? (10/29/01)
The Blacksmith's Wage by Pat Mestern (5/8/00)
Remember When: Ideas from The Depression and WW2 (4/10/00)
The Value of a Dime by Sarah Kennington (3/13/00)
Super Strategies for Savings by Ginita Wall (1/18/99)
Living in the Philippines by Don Herrington (10/19/98)

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Miscellaneous, Setting Goals

5 ways to keep New Year's resolutions Video - Keeping resolutions is a matter of using a combination of technology and psychology to keep yourself on track.
What We Do Well by Gary Foreman - Making your stregnths work for you.
How to Keep Your New Year's Resolutions by Shaunna Privratsky - 10 secrets to success! (12/28/09)
Having a Plan - Could the key to success be so easy? (5/30/05)
4 Steps to Creating Your Own Destiny by Karen Kuebler (10/6/03)
My Story: Small Steps to Big Dreams - contributed by Stephie - Simple living from a French perspective (1/27/03)
Reasons for Financial Failure by Craig Lock - Eliminate the stumbling blocks to a better future (1/7/02)
Four Steps to Successful Goal Setting by Philip E. Humbert, PhD. - Don't just set goals. Reach them! (4/9/01)
The Seven Sisters of Success by Philip E. Humbert, PhD. - Success is not an accident (3/26/01)
Prioritizing Power by Dr. Donald E. Wetmore - You'll find more hours in the day (2/26/01)
Planning Principles by Dr. Donald E. Wetmore - do you fail to plan? (1/15/01)
Stay Focused on Your Objectives by Michael Angier (8/14/00)
How to Make a Goal Into a Carrot by Dr. Kevin Polk, Ph.D. (1/3/00)
Swimming Upstream by Gary Foreman (1/3/00)
Sometimes When You Don't Have a Plan You Don't Fail by Lisa Moore (12/27/99)
The Key to a Successful Future by Doris Dobkins (11/15/99)
Conscious Prioritization by Jacqueline McLaughlin Hale (9/6/99)

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Miscellaneous, Unemployment

How to Get Job Fair Call Backs by Joanne Guidoccio - Going to a job fair is good. Getting call backs is better!
16 Totally Free Job Sites by Andrew Kardon - Sharing the best online aides to finding work.
When You're Facing a Layoff - take control to minimize layoff damages.
Updating Job Skills by Christine Stephens - Finding a new job may require updated skills. Here's how to do that inexpensively
While I Was Unemployed by Beth Hering - Beyond cutting coupons and buying on sale
Would You Be Ready? by Doris Dobkins - for a layoff? (12/10/01)
United We Stand: Coping With Crisis by Dawn - She went from a carefree lifestyle to watching every penny
Facing Financial Fears by Lucynda Koesters - How are you handling uncertain times?
My Story: Unemployment Advice by Betty G. - Here's what to do if you find yourself unemployed
What I Learned About Surviving Hard Times by Heidi B.

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Mortgages

40- and 50-Year Mortgages
Adjustable Rate
Alternative Loans
Basics
Before Buying a Home
Credit and Subprime Lending
Down Payments
Facing Foreclosure
Fees and Finance Costs
Financial Assistance
Fraud and Predatory Lenders
Home Equity Loans
Insurance
Interest-Only Mortgage
IRAs
Mortgage Limits
Other
Paying Off
Prepayment
Rate Changes
Rate Locks
Refinancing
Reverse Mortgage
Second Mortgage
Selecting a Lender
Selecting a Mortgage
Taxes

Mortgages, Adjustable Rate

Adjustable-rate mortgages: Just the basics - Here are the benefits and drawbacks of an adjustable-rate mortgage.
Escaping the adjustable-rate mortgage trap - Consider these options if you want to refinance out of an adjustable-rate mortgage.
ARM can offset rising fixed mortgage rates - With mortgage rates rising, some buyers and refinancers are taking a look at adjustables.
The case against adjustable-rate mortgages - An interest-only loan will free up your budget. But often it's not the best way to refi.
Is an ARM's lower interest rate worth the risk? - The initial low rates of ARMs are enticing, but homeowners may be stuck paying more later on.
When ARM flexes, will my payment pump up? - Let Bankrate do the math on whether and how your adjustable-rate mortgage payment will change.
How high can an adjustable-rate mortgage go? - To decide if an adjustable-rate mortgage is right, learn about the loan's caps and floors.
ARMs suit some, but what about you? - Adjustable-rate mortgages are gaining popularity, but they aren't right for everyone.
How does rate change affect a 6/1 ARM? - There are certain conditions that govern how your mortgage rate adjusts.
ARMs suit some, but what about you? - Adjustable-rate mortgages are gaining popularity, but they aren't right for everyone.
Is an adjustable-rate mortgage for you? - With mortgage rates near record lows, fixed-rate loans look alluring. But ARMs still can make sense.
ARMs may offer lowest mortgage rates - Adjustable-rate mortgages are very enticing, but rates and payments can skyrocket. (9/28/10)
Know your ARM before refinancing - Not all ARMs are designed the same, so understand your mortgage before refinancing. (7/19/10)
ARM 'numbers' may add up to refinance - The numbers tied to an adjustable-rate mortgage tell you if a refinance adds up to savings. (4/7/10)
Forget 5-month-old mortgage rate lock - It is extremely unlikely that a 5-month-old mortgage rate lock remains in effect today. (12/15/09)
Adjustable rate mortgage for refinance? - Adjustable-rate mortgages make sense for some homeowners planning to refinance their loans. (12/24/09)

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Mortgages, Alternative Loans

FHA loan requirements: What you need to know - An FHA mortgage offers low down payments and competitive rates. Would you qualify?
5 biggest benefits of VA loans - These government-backed loans offer powerful advantages like $0 down payment, and more flexible requirements.
3 ways to refinance into a VA home loan - VA loans have become lifesavers for homeowners who don't want to miss out on ultra-low mortgage rates but are struggling to refinance with conventional loans.
Everything you need to know about VA loans - Many veterans don't take advantage of VA loans. Here's how the program works.
Want to get a VA loan? Here are 5 things to know - Demand has surged for Veterans Affairs mortgages. Find out whether you're eligible.
These mortgages pay for home renovations - Want to buy a run-down home and fix it up, but don't have the cash? There's a loan for that.
7 crucial facts about FHA loans - FHA loans play a vital role in today's real estate market. Here are seven important facts to know.
What you should know about land loans - So you want to buy land? Getting a land loan is different from a traditional mortgage.
FHA loan could help cash-strapped borrower - Can't buy your dream home? An FHA loan has more forgiving underwriting standards.
7 crucial facts about FHA loans - FHA loans play a vital role in today's real estate market. Here are seven important facts to know.
FHA offers home renovation help - An FHA mortgage can help homebuyers frustrated by the difficulty of financing renovations.
Should homebuyers get FHA loans? - FHA loans often cost more than mortgages with PMI. Here are reasons to go FHA anyway.
Mortgage options for rebuilding your home - Think rebuilding your home is a big job? You'll also need to look at various loan options.
Am I eligible for an FHA mortgage loan after foreclosure? - The waiting period for an FHA loan after a foreclosure was cut this year. Do you qualify?
VA loans offer good deals - Ignored in recent years, Veterans Affairs mortgage loans are making a comeback.
Best mortgage for a home under construction? - There's a way to fund a home being built, while still deducting the interest.
Consolidation Loans by Gary Foreman (11/27/00)

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Mortgages, Basics

What You Should Know About Mortgage Paperwork by Scott Sheldon - It's more complicated than it used to be.
5 smart reasons to get a mortgage preapproval - See why it's better to get preapproved before you start shopping for a home.
What every homebuyer should know about mortgage points - Find out what discount and origination points are, and if you should pay them.
Am I too old to shop for a new mortgage once I hit 60? - It's scary to take on new debt before retirement. For the right home, it may be worth it.
How to use the Closing Disclosure when you get a mortgage - Here's how to use the Closing Disclosure to get the mortgage that you were promised.
10 questions to ask when you apply for a mortgage - You've applied for a mortgage. Perplexed yet? Answers to these questions will help.
What you need to know about closing costsVideo - When searching for a mortgage, you can control what you pay in closing costs. Find out how.
Not a signer on the mortgage with your spouse? - Losing a spouse is tough. Don't lose your home, too. If you didn't sign a mortgage, read this.
What happens during mortgage underwriting? - The lender has a lot to do before your closing. See how you can help.
TILA and other mortgage disclosures - Here is a list of disclosures (besides the GFE) that a mortgage lender must provide.
A guide to the Good Faith Estimate, or GFE - Here's how to read the Good Faith Estimate of closing costs when you apply for a mortgage.
Understanding escrow accounts - Escrow accounts ensure that the taxes and insurance will be paid, and in a timely fashion.
What determines mortgage rates? Video - Lenders have less to do with determining your mortgage rate than you might think.
What happens at a mortgage closing? - At the mortgage closing, you sign loan papers and the house is yours. Here's what happens.
Fixed-rate mortgages: Just the basics - Here are the benefits and drawbacks of a fixed-rate mortgage.
Turned down for a mortgage? Your options - Turned down for what? A mortgage! Here's how to respond to rejection.
Jumbos and other mortgage types: Just the basics - There are all types of mortgages for all types of people. Consider these nontraditional loans.
What does a mortgage servicer do, and what happens when I get a new one? - Do you need a mortgage servicer? Be sure to consider these rules when you are faced with a change.
4 common mortgage errors and how to avoid them - Lots of people waste money when they get home loans. Don't repeat their mistakes.
How your mortgage rate is set: Just the basics - The lender doesn't set your mortgage interest rate. The market does. We explain.
2 reasons your mortgage payment can change - Here's how home loans are affected by changes in rates, taxes and insurance.
Down payment on a home: Just the basics - Everything you wanted to know about down payments but were afraid to ask.
Can you get a mortgage with a low credit score? - Have credit issues in your past? You still might qualify for a home loan.
What to know about mortgage points - Find out what discount and origination points are, and if you should pay them.
A borrower's guide to the mortgage application - Here is the missing manual for the complex form you fill out when you apply for a mortgage.
What happens at a mortgage closing - On closing day, you seal the deal. It's also your last chance to make changes.
3 ways to mess up a mortgage closing - Want a lender to delay or cancel your mortgage closing? Here's how to do it.
Self-employed? Here's how to get a mortgage - Don't give up on qualifying for a home loan just because you work for yourself.
APR and mortgage rate: What you need to know - Ever wonder what mortgage APR means? Here's what it is and why you should care.
Combining Loans Before Mortgage Application by Gary Foreman - Will combining loans help him get approved?
Homeowner bill of rights: Your mortgage and you - Don't let the mortgage company push you around. Here's what it can and can't do.
Prevent runaround from your mortgage servicer - Frustrated with your mortgage company? Make the servicer listen and take action.
Do you need to get a mortgage preapproval? - Most people don't get preapproved for a loan before house-hunting. Should they?
How will new mortgage rules affect you? - Guidelines meant to help mortgage borrowers will please some, but stymie others.
Mortgage after 60: Good or bad idea? - It's scary to take on new debt before retirement. For the right home, it may be worth it.
Does one credit mistake mean no mortgage? - Don't give up hope on getting a mortgage just because your credit score is not perfect.
Dealing with hubby's mortgage after death - Losing a spouse is tough. Don't lose your home, too. If you didn't sign a mortgage, read this.
Prequalified? You have an edge - By being prequalified or preapproved for a mortgage, you'll know how much you can borrow.
Why debt to income matters in mortgages - Lenders care about your debt-to-income ratio. Here's why, and how to calculate it yourself.
Bankrate Guide: Mortgage Basics - Bankrate's step-by-step guide will help you understand the sometimes-difficult journey to homeownership.
A borrower's guide to the mortgage application - Here is the missing manual for the complex form you fill out when you apply for a mortgage.
How to time additional mortgage payments? - Which method of making extra mortgage payments saves the most?
Should I switch to biweekly mortgage payments? - There's no magic to a biweekly home loan. Consider other ways to reduce your mortgage.
You're never too old for a mortgage - Even a nonagenarian can get a mortgage. Whether it's wise is another story.
Split monthly mortgage payment saves money? - If you want to save on mortgage interest, here's the best way to do it.
Why debt to income matters in mortgages - Lenders care about your debt-to-income ratio. Here's why, and how to calculate it yourself.
For PITI's sake: mortgage acronyms defined - Think HUD-1 is what a quarterback says? Learn the definitions for 17 mortgage acronyms.
Understand mortgage amortization schedule - Learn how to demystify your mortgage amortization schedule.

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Mortgages, Before Buying a Home

9 tips to ensure your mortgage preapproval remains intact until closing - What you do after getting preapproved could ruin your chances of closing the deal.
Do you need to get a mortgage preapproval? - Most people don't get preapproved for a loan before house-hunting. Should they?
Fix up your credit score for spring homebuying - Planning to move to a new home this spring? Make sure your credit score moves up first.
3 steps to calculate your mortgage payment - Calculate your mortgage payment with just three pieces of information.
Buying a house? Remember to budget for PMI - The majority of homebuyers end up with higher-than-expected monthly mortgage payments because of private mortgage insurance premiums.
Can a 'rapid rescore' help you get a mortgage? - To qualify for a home loan, sometimes you need to update your credit in a flash.
Snag mortgage or pay cash for home? - At age 58, you should consider how long you will pay on a mortgage before buying a house.
4 secrets to budgeting for a home purchase - A good budget plan begins long before a homebuyer makes an offer. These tips can help.
5 ways to get the best mortgage deal - It's tougher to get a mortgage today. But shoring up your credit and other moves can lead to success. (9/7/10)
Getting a mortgage when you're self-employed - Self-employed workers can use these tips to boost their odds of securing a home mortgage. (5/27/10)
Mortgage flexibility is not cheap - A first-time homebuyer is wise to buy some financial wiggle room, even if it costs $10,000. (10/22/09)
Affording a First Home by Gary Foreman (11/24/03)
Before You Buy a Home by Gary Foreman - Get your financial house in order first (1/27/03)
First Time Mortgage (11/27/00)

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Mortgages, Costs

Mortgages, Down Payments
Mortgages, Fees and Finance Costs
Mortgages, Financial Assistance
Mortgages, Insurance
Mortgages, Taxes

Mortgages, Credit and Subprime Lending

How a mate's bad credit can make your mortgage costly - Getting a mortgage with someone with bad credit? Here's why it can cost you thousands.
Would a 'rapid rescore' help you get a mortgage? - To qualify for a home loan, sometimes you need to update your credit in a flash.
Stuck in mortgage limbo after doing a short sale - You're stuck in the short-sale penalty box and can't get a mortgage? Here's how to escape.
Your credit profile affects mortgage rates - Here's how to make sure you get the best deal.
Trouble Getting a Mortgage by Gary Foreman - Past credit problems have locked her in (3/25/02)
Re-Establishing Credit to Buy a Home (7/12/99)

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Mortgages, Down Payments

5 mortgages that require little or no money down - Homebuyers can find mortgages that require a low-down payment or even no down payment.
10 creative ways to come up with a home down payment - Betcha haven't thought of all of these ways to collect a down payment on a home.
Overcoming the down payment hurdle - Traditionally, lenders have demanded 20 percent down. But today there are alternatives.
How can I cut my down payment on a home? - It's tough to lower a down payment at closing. Maybe one of these options will cut your costs.
Home financing: How much cash do I need? - Learn about how much cash you'll need to finance your home purchase.
Get a mortgage with little money down - Here are some ways you can get a mortgage with a lower down payment.
USDA still backs zero-down mortgages - Zero-down mortgages aren't extinct. The USDA guarantees these home loans in rural areas.
No Down Payment - Buying a home with little or no money down (7/5/04)
No Money Down by Gary Foreman - Can you really buy a house with no money and get rich, too? (7/2/01)

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Mortgages, Facing Foreclosure

Is my money safe after foreclosure? - If your bank doesn't make enough when the home is sold, it can target your cash for the difference.
How to dodge a mortgage foreclosure - Here are strategies for avoiding foreclosure if you have trouble making house payments.
Can your lender foreclose after bankruptcy? - Bankruptcy may have put your debts behind you, but it doesn't erase the bank wanting your house.
Second HAMP mortgage modification? - The government's HAMP program allows for a second chance to help avoid foreclosure.
The effects of foreclosure on a co-signer - After a foreclosure, your credit record is affected for years. What if you co-signed?
Should I seek a deed in lieu of foreclosure? - I need to escape my hefty mortgage bill. Is foreclosure worth the hit to my credit?
When the mortgage company won't take your payments - Here's why you must get current on your mortgage before the bank will cash your checks.
Make sure the bank takes your foreclosed home - You got a foreclosure notice and moved out. But did the bank stick you with taxes and insurance?
Will loan modification reaffirm mortgage after bankruptcy filing? -A loan modification once you've filed for bankruptcy can be a very risky decision.
Should I bail on my underwater mortgage? - It's tempting to walk from a home worth less than you owe, but you could regret it for years.
Can your lender foreclose after bankruptcy? - Bankruptcy may have put your debts behind you, but it doesn't erase the bank wanting your house.
When a Friend Faces Foreclosure by Gary Foreman - How to help friends through a tough time..
Why is my loan modification being ignored? - When loan modification is a struggle, getting a lawyer might be better than getting frustrated.
Can home loan be modified amid bankruptcy? - Though you've filed for bankruptcy, your mortgage lender may still cut you some slack.
Is your mortgage making you sick? - If you default on a mortgage, are you risking your health?
Skip bankruptcy with foreclosure? - Nix your mortgage payment and you'll head for foreclosure. Do you need to file bankruptcy, too?
Try mortgage modification to cut payment - Mortgage modification is laden with limits. If you don't qualify, try one of these options.
Should you accept an unsolicited loan modification? - The lender offers a mortgage modification that you didn't request. Should you accept it?
Foreclosed after bankruptcy? It's possible -Bankruptcy might prevent lenders from coming after you, but they still may come after the property later.
Little-known way to save on foreclosures - Fannie's HomePath program doesn't require mortgage insurance or an appraisal.
Simple letter can solve mortgage woes - Fight back against your unresponsive mortgage servicer with a qualified written request.
A Foreclosed Friend - What can you do to help a friend who has lost their home?
Writing a hardship letter for a loan mod - A key part of securing a mortgage modification is a hardship letter. Here's how to write one.
Delinquent Mortgages courtesy of www.FreeMortgageFix.com - What should you do if you can't make your mortgage payments?
Bankruptcy can imperil modified mortgage - Don't file bankruptcy until you determine its effect on any mortgage modification.
Apply for a loan mod, or walk away? - How do you choose between a loan modification and walking away? Consider these points.
What delays a mortgage foreclosure - Did your neighbor stay in the house more than a year after the last mortgage payment? Here's why.
8 tips for choosing a foreclosure attorney - Thinking of hiring help for a foreclosure defense? Here are some tips.
Fighting common foreclosure errors - Before hiring a lawyer, homeowners can look for these clues to a lender's foreclosure mistakes. (11/04/10)
Keeping a home out of foreclosure - Lenders usually won't reaffirm a mortgage if you're behind on payments. Here are other options. (11/2/10)
Will foreclosure mess help home sellers? - Foreclosure chaos may help some home sellers. Follow these three tips to help sell your home. (10/25/10)
Who owns the foreclosure you bought? - A paperwork fiasco raises questions about who owns foreclosures. Experts have answers. (10/22/10)
Foreclosure mess impacts buyers and sellers - Sweeping foreclosure suspensions may boost the fortunes of sellers. But should buyers roll the dice? (10/13/10)
4 ways to save your home during bankruptcy - With lenders reluctant to modify mortgages, one of these options may help you dodge eviction. (10/12/10)
After foreclosure you may be owed cash - Borrowers who've lost their homes to foreclosure may find a check waiting for them. (10/5/10)
Dangers of walking away from your mortgage - Underwater homeowners who skip out on their mortgages face a slew of consequences. (8/23/10)
2 ways to avoid foreclosure by Gary Foreman - These methods will help you sidestep foreclosure, but which will cause less damage to your credit? (8/2/10)
Debt dilemma: Sell home or file bankruptcy - There is life after home ownership. Consider selling it before taking these more drastic moves. (7/20/10)
Before mortgage modification, pay on time - Before a mortgage modification, you should keep up with your previous payment schedule. Here's why. (7/19/10)
Minor late fees won't trigger foreclosure - A few late mortgage payments are unlikely to cause a lender to pursue a foreclosure. (7/6/10)
Mortgage loan modification and credit scores - A mortgage loan modification can prevent foreclosure but inevitably will damage your credit. (5/24/10)
Refinance help for underwater homeowners - The government is offering mortgage help to borrowers whose loan exceeds the property value. (5/4/10)
Lien holder can rain on a short sale - You may not have to pay a lien holder after bankruptcy, but you may be forced to in a short sale. (5/3/10)
Mortgage modification rules change - The rules for a mortgage modification have changed. Do you qualify for a lower house payment? (4/12/10)
Mortgage audit won't help loan modification - An audit may find the lender to be at fault, but not necessarily amenable to a loan modification. (3/12/10)
How to report taxes on foreclosed homes - When the bank issues a 1099-A on foreclosed homes, there usually is no tax impact. (2/16/10)
Foreclosure a stain on your credit report - Foreclosure smears your credit report and can kill your chances of snagging a future mortgage. (2/8/10)
Facing foreclosure? You have options - If the dreaded "f-word" -- foreclosure -- has disrupted your life, here are four choices you should explore. (1/13/10)
Losing home in foreclosure won't end worry - A threat by the second mortgage lender to go to court can keep anxiety levels high. (11/24/09)
Can an attorney help loan modification? - Professional help with mortgage lenders might be a good investment -- or a waste of money. (11/16/09)
Modify home loan before filing bankruptcy - Confirm mortgage modification in writing before you file for bankruptcy or the lender may void it. (9/22/09)
Underwater: Keep paying mortgage? - It's not a waste of money to make mortgage payments on a home that is sinking in value. (9/17/09)
Behind again after mortgage modification? - There are few options for someone in bankruptcy and who's already modified the mortgage once. (9/14/09)
Short sale cash-out won't work - A plan to generate quick cash through a short-sale mortgage maneuver is unlikely to work. (8/31/09)
In bankruptcy? Pay mortgage to keep home - If you can't make payments, here's how you might avoid foreclosure and restore your credit sooner. (8/25/09)
Foreclosure? Mortgage insurer may help - Troubled homeowners with mortgage insurance may have new alternatives to foreclosure. (8/10/09)
How to Avoid Foreclosure Rescue Scams NAPSA - Don’t let a bad situation get worse. (8/17/09)
Home Foreclosure by Rahmi Sari - What to do when you're in foreclosure (2/18/08)
When You're Facing Foreclosure (9/25/00)
A Basic Guide for Families Facing Foreclosure - part 3 by Steven Wolpern (6/21/99)

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Mortgages, Fees and Finance Costs

How to haggle on your mortgage closing costs - The new Loan Estimate form is designed to make it easier for you to negotiate closing costs.
Save on Your Mortgage by Matt Morgan - Use these tips to reduce the cost of your mortgage.
Understanding the mortgage closing process - On closing day, you'll officially seal the deal. It's also your opportunity to make any last-minute changes.
Good stuff to know about the good faith estimate - Closing fees cover almost every expense associated with your home loan.
Shop for title insurance and closing services - Choose a title or escrow company you're comfortable with, and save money, too.
Shop and save on title insurance and closing services - Choose a title or escrow company you're comfortable with, and save money, too.
How to compare mortgage rates vs. points - Don't shop only the mortgage interest rate. Here's how to compare points and fees, too.
Is no-closing-cost mortgage for you? - A no-closing-cost mortgage can save you thousands in upfront fees. Is it right for you? (11/3/10)
No such thing as no-cost mortgage closing - It's possible to get a loan with no closing costs, but you'll still end up paying a price somewhere. (9/27/10)
New rule would refund some mortgage fees - The Fed may give consumers the right to cancel mortgage applications and get fee refunds. (8/31/10)
FHA may curb seller-paid loan closing costs - A likely FHA rule change may leave more homebuyers scrambling to pay closing costs. (8/17/10)
How credit scores impact your mortgage rate - A low credit score results in a high mortgage rate, which adds up to a ton of money over time. (2/17/10)
New form helps to estimate closing costs - The new good faith estimate forces lenders to provide an accurate estimate of closing costs. (1/11/10)
Understanding APR - The difference between your APR and your interest rate (7/23/07)
Mortgage Closing Costs You Shouldn't Pay by Don Petrasek (8/28/00)

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Mortgages, Financial Assistance

Americans' mortgage modification options - Are you underwater with rising mortgage payments? Learn about loan modification options.
Will bankruptcy help mortgage modification? - If you already filed Ch. 7, you can file Ch. 13 to help bring your mortgage current, but be careful.
Want to get a VA loan? Here are 5 things to know - Demand has surged for Veterans Affairs mortgages. But who can get one?
FHA will keep insuring flipped houses - Buyers and neighborhoods can benefit from the extended waiver of the anti-flipping rule.
FHA offers home renovation help - An FHA mortgage can help homebuyers frustrated by the difficulty of financing renovations. (12/29/09)
Single Parent Homeowner by Gary Foreman - Can she find lower rates to stay in her home? (9/10/01)

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Mortgages, Fraud and Predatory Lenders

5 mortgage scams to watch out for - As the housing market lags, keep away from these crooks looking for a quick buck.
A reformed mortgage fraudster tells all - How do you protect yourself from mortgage scams? By listening to a one-time scammer.
Protect yourself from mortgage broker fraud - Standards for mortgage brokers are tighter in an effort to prevent another housing crash.
Don't be fooled by these 5 mortgage scams - As the housing market lags, keep away from these crooks looking for a quick buck.

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Mortgages, Home Equity Loans

3 ways retirees can tap into their home equity - Seniors who need money to meet expenses have three options, each with pros and cons.
Do you need a HELOC escape plan? - The interest rate on your home equity line of credit has gone up twice in a year and will probably continue to rise. Here are some options for dealing with that.
How a HELOC works - A home equity line of credit, or HELOC, works like a credit card. A credit card doesn't have any collateral, though.
Home equity debt: What is it and how can you make it work for you? - There are 2 types of home equity debt, and both are sometimes referred to as 2nd mortgages.
6 ways to turn home equity into retirement savings - Here's how to make your home sweet home do double duty as your retirement piggy bank.
5 questions to ask before tapping home equity - Here's what to figure out before getting a home equity loan or line of credit.
3 ways to lose a HELOC, keep the house in bankruptcy - When a HELOC is secured by your home, one of these options may help you to keep your property.
How much equity can you cash out of your home? - Homeowners considering cash-out refinances and HELOCs: Here's what you need to know.
What you need to know about home equity Video - Need to pay for a big expense? Learn how you can use your home equity to pay for it.
Should I get a HELOC or reverse mortgage line of credit? - HELOCs and reverse mortgages have pros and cons. Which one is better for protecting assets?
Use home equity loan to pay for school? - If a home equity loan is needed to pay for school, here's what you need to know.
How can I deduct my home equity line of credit? - Whether or not you can deduct the interest on home equity depends on several factors.
Mapping the road to a fixed-rate HELOC - If the draw period on your HELOC is ending in the next few years, here's a plan of action.
Get ready for the end of HELOC draw period - You'll soon have higher monthly payments on your HELOC. How should you prepare for that?
Can HELOC refi save couple from debt time bomb? - Facing rising debt payments soon? Here are some options to explore for winning the battle.
Borrowing from home equity: Rules of the road - A home equity loan or HELOC can be a blessing or a curse. Know the difference.
Is income from home equity line of credit taxable? - Home equity proceeds aren't taxable, but you may face taxes if you don't repay the loan.
Fix credit score for best rate on home-renovation HELOC - Repair your credit score before applying for a HELOC to pay for home renovations.
Lessons for using a HELOC for kid's college costs - Here's a lesson for tapping a home equity line of credit to pay a child's college costs.
How can I deduct my home equity line of credit? - Whether or not you can deduct the interest on home equity depends on several factors.
Should you refinance your variable-rate HELOC? - Have a variable-rate home equity line of credit? Consider refinancing and locking in lower rate.
3 ways (and 1 reason) to refinance a HELOC - As the draw period ends, you can delay repaying your home equity line of credit.
What it takes to borrow against home equity these days - As home values rise, more owners are able to use their houses as piggy banks.
How much equity can you cash out of your home? - Home equity lending has been revived. How much cash is it wise to take out?
6 reasons (5 good, 1 bad) to spend home equity - You want to borrow against your home's equity to pay for what?
Banks offer HELOCs with fixed-rate option - Borrowers can set aside part of a home equity line of credit as a fixed-rate loan.
Home equity loan, HELOC or cash-out refi? - Here are factors to decide among a home equity loan, HELOC or cash-out refi.
Too soon to try for home equity loan? - Don't bet the house that you can get a home equity loan after owning for just one year.
Should I refinance my home equity line? - With a variable rate, you face risk with a home equity line of credit. Is it time to refinance?
Options for paying down a large HELOC - Worried about looming payments on a home equity line of credit? You still have options.
Can't pay off home equity loan -- file bankruptcy? - Your parents took out two equity loans on their home and can't repay them. What should they do?
Refinance mortgage with a home equity loan? - For some homeowners, it could make sense to refinance with a home equity loan.
Can Chapter 13 help me get rid of 2nd mortgage? - It's tough when your credit union HELOC is in default. Not even bankruptcy might help.
Is my HELOC like a credit card account? - HELOCs affect your credit like any other loan, but they're different when it comes to scoring.
Will HELOC stay on credit report post-bankruptcy? - Taking your name off a loan with your ex involves more than an agreement or bankruptcy.
The best way to use home equity to raise $25K - Your home can raise cash in many ways. What's best: A mortgage, home equity loan or HELOC?
Reverse mortgage versus HELOC for extra cash? - Weigh these factors when deciding if a reverse mortgage or HELOC is best to ease a cash crunch.
Default on HELOC but keep the house? - Ignoring the payments on a home equity line of credit could trigger a disastrous domino effect.
My refi's a HELOC. Anything wrong with that? - You found out your new mortgage is really a home equity line. Here's your loan lowdown.
Borrow from my home equity -- just in case? - Know about rate risks and other downsides before relying on a HELOC for emergencies.
Should I swap mortgage for home equity loan? - You could replace your mortgage with a lower-rate home equity loan. Learn the pros and cons.
Pay off mortgage with lower-rate HELOC? - If you can pay off your house fairly soon, you might have a cheaper mortgage option.
Should I tap my house for cheap money? - Rates are low, but here's why new mortgage debt may not be a smart source of rainy-day money.
Paying down $29K HELOC balance due in 3 years - Increase your HELOC payments to pay down some of the debt before the loan is due.
Pay down HELOC with balance transfer offer? - While an offer sounds tempting, transferring your home loan to a credit card may be risky.
Home equity lines and foreclosure - Buying a second property is very much like gambling. In foreclosure, you've lost the bet.
Consult a pro before opening a HELOC - Before establishing a line of credit, first consult with a home equity lender and consider the fees.
Combine mortgage, HELOC in new loan? - If you can add your HELOC to a new mortgage, you remove the risk of rates rising.
HELOC default could lead to home loss - It's not just your primary mortgage you need to keep current to avoid foreclosure.
Use home equity line to pay bills? - There's an easier way to pay the mortgage and other bills than tapping your home's equity.
Why a home equity loan is hard to get - Unable to borrow against equity? There are reasons other than fallen house prices.
Borrowing after a home equity loan - If a home equity loan is used to pay off other debt, will it preclude borrowing for college?
Personal line of credit provides cash - It's tough to get a HELOC in this housing market. Go for a personal line of credit instead. (10/25/10)
Pros, cons of home equity lines - HELOCs provide extra cash, but they can create a financial crisis if you don't use them responsibly. (10/22/10)
Is HELOC from rental home deductible? - If you use a HELOC from your rental property to pay for your primary home, you can't deduct the interest. (10/5/10)
Home equity loan to pay off vehicle debt? - Before considering another loan to pay debts, it's best to come up with a financial plan. (9/22/10)
Paying mortgage with HELOC is risky - Using a home equity line of credit to pay off the mortgage can be risky. (9/9/10)
Video: Home equity loan or line of credit? - Here's how to decide which type of home equity debt is best. (7/26/10)
Risks of tapping home equity - It can make sense to tap a home's equity and invest in other assets. But the decision has risks. (7/15/10)
Home equity loans, HELOCs tough to find - Home equity loans and HELOCs are much harder to get these days. But the situation is not hopeless. (6/14/10)
Home equity loan may beat cash-out refinance - The math suggests one homeowner should choose a home equity loan over a cash-out refinance. (5/24/10)
Home equity loan or line of credit? - Knowing how you will use the money will help you decide which type of home equity debt is best. (4/22/10)
Home equity loan refinance could be costly - Refinancing a home equity loan to a first mortgage will add a lot more in total interest expense. (4/20/10)
Tips On “Thawing” A Frozen Home Equity Line by NAPSA - You may be able to reopen your line of credit. (11/23/09)
Using a HELOC for a business? - A couple wonders if interest on a HELOC is tax deductible if the loan is used for an LLC. (10/27/09)
Don't turn HELOC into first mortgage - In today's interest-rate environment, it's likely a mistake to turn a HELOC into a first mortgage. (4/14/09)
HELOC makes sense if refinance doesn't - A woman who's considering a refinance should break up the decision process into two parts: first determine if refinancing makes sense and then decide between a HELOC or cash-out refinancing. (8/25/09)
Great credit scores pay off for couple - Top credit scores mean a couple can close a HELOC without worrying about FICO damage. (8/17/09)
Homeowners hope to slash HELOC cost - Homeowners hoping to slash their home equity line of credit payment have many options to explore.(8/6/09)
Paying off debt with your 401(k) - It's not a good idea to tap into retirement to drain an ocean of debt, and here's why. (8/3/09)
Switching to a Fixed Home Loan - When does it make sense to shift from variable to fixed? (9/12/05)
Home Equity Loans - Questions to ask, pitfalls to avoid (9/26/02)

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Mortgages, Insurance

Private mortgage insurance, or PMI: The basics - Bewildered by PMI? Here's why you might have to pay it.
How to dump PMI ASAP - Take these measures to get rid of that pesky PMI.
Private mortgage insurance, or PMI: The basics - Bewildered by private mortgage insurance? We explain PMI.
Removing private mortgage insurance - Wise up! When your equity position reaches 20 percent, you should cancel your private mortgage insurance.
What's the difference between PMI and MPI? - There are different kinds of mortgage insurance. Here's how they compare.
Dump mortgage insurance payments after refi? - Want to get rid of private mortgage insurance? Find out your loan-to-value ratio first.
Lender-paid mortgage insurance: Pros and cons - With lender-paid mortgage insurance, you can save money -- for a while.
Cancel mortgage PMI by tapping retirement account? - No one likes paying private mortgage insurance. There are ways to get rid of it.
Figuring your loan-to-value ratio to drop PMI - Want to dump your private mortgage insurance? Check your loan-to-value ratio to see if you qualify.
How to dump private mortage insurance - Private mortgage insurance doesn't have to be paid forever. Here's how to dump it.
How to deal with overdue mortgage payments - You've been paying mortgage insurance for years. Will it help with overdue payments?
How to get rid of private mortgage insurance - You can free yourself from private mortgage insurance, with planning and patience.
How can a first-time homebuyer ward off PMI? - Private mortgage insurance is not unavoidable. And if you get stuck paying, it's not forever.
Use IRA to help say good riddance to PMI? - Sick of private mortgage insurance? Find out whether to use retirement savings as a remedy.
The basics of mortgage insurance - Although mortgage insurance may seem necessary for some, there are ways around it.
Grab this home loan now or save up to avoid PMI? - Private mortgage insurance is annoying, but avoiding that cost could come at a price.
Pour money into mortgage to dump PMI? - Learn if it's wise to invest in your home to avoid those private mortgage insurance payments.
Mortgage pay-down triggers PMI's cancellation - You can lose your mortgage insurance and cut the monthly payments, but watch for these traps.
4 ways to save on title insurance - Homebuyers smitten with a new dream home may gloss over title insurance. But that's a mistake. (9/3/10)
Monthly PMI, or one-time payment? - Is it smart to make a single, big private mortgage insurance payment instead of paying monthly? (4/2/10)
How to Cancel PMI (6/25/07)
Piggyback Mortgages and PMI by Gary Foreman - Use caution when buying with a low down payment (9/15/03)
Cancel Our PMI? by Gary Foreman (8/9/99)

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Mortgages, Interest-Only Mortgage

Is interest-only mortgage a good option? - Sure, you might be able to get an interest-only mortgage. But should you?
Options when saddled with costly interest-only mortgage - If you feel you are paying too much with an interest-only loan, there are other options.
Interest-only mortgage worth the deduction? - The interest may be too high a price for the tax write-offs from an interest-only mortgage.

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Mortgages, IRAs

Can I raid retirement to pay mortgage without tax penalty? - Beware of the possible tax consequences if tapping retirement to pay down your mortgage.
Pay off mortgage with IRA funds? - Although you're more than 59½ years old, you still have to pay income tax on the withdrawal.
Don't you dare pay off mortgage with IRA - Refinancing or getting a reverse mortgage can provide you cash and spare your retirement funds.
Pay IRA penalty or foreclose? - To save a home with nearly $200,000 in equity, be willing to pay a penalty -- or maybe not. (9/14/09)
401k Loan vs. Second Mortgage (1/15/07)
My Story: IRA vs. Your Mortgage - Five years later she's convinced she made the right move (3/29/04)
Invest In Your Own Mortgage? by Gary Foreman (9/22/97)
Prepay Mortgage or Contribute to IRA by Gary Foreman (10/28/96)

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Mortgages, Mortgage Limits

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Mortgages, Mortgage Types

Mortgages, 40- and 50-Year Mortgages
Mortgages, Alternative Loans
Mortgages, Credit and Subprime Lending
Mortgages, Home Equity Loans
Mortgages, Interest-Only Mortgage
Mortgages, Reverse Mortgage
Mortgages, Second Mortgage
Mortgages, Selecting a Lender
Mortgages, Selecting a Mortgage

Mortgages, Other

How We Saved $34k in Interest on Our Mortgage Before Closing by Laura Harris - Here's how one family did it.
Good idea to finance home with reverse mortgage? - Consider these fees and other factors before financing a home with a reverse mortgage.
Options for getting out of a co-signed mortgage - You co-signed the mortgage with your daughter-in-law. It is time for you both to move on.
What are mortgage points? And should you pay them? - Find out what discount and origination points are, and if you should pay them.
The risks of home construction loans explained - Want a house built just for you? Financing is kinda complicated. Here are the basics.
How your phone can help you get a mortgage - Your smartphone can streamline the mortgage process and help you snag a low rate.
Will divorce release you from home lien? - The lien on your home came from your ex. Now that you're divorced, shouldn't it go away?
How will a quitclaim deed affect my credit? - Your condo can change hands with a quitclaim deed. But it can be tricky with a mortgage.
Assumable mortgage: Take over the seller's loan - An assumable mortgage is nice when you're selling a home during a time of rising rates.
Are weekly mortgage payments a better way? - Dividing your mortgage check into weekly payments may not add up to anything useful.
Homeowner's best use of $75K inheritance? - When someone leaves you lots of money, you can be left with big decisions about your mortgage.
4 ways to pay your mortgage: Which is best? - How do I pay thee, dear mortgage? Let me count the ways. I pay cheaply, quickly and reliably.
Mortgage escrow account not for investing? - Even if you're earning interest on escrow accounts, there are better places to stash cash.
How oil, gas and mineral rights affect mortgages - Can you get a mortgage if there's a lease on the oil or gas rights? It depends.
Is fiance on the hook for ex wife's mortgage? - It's smart to look at finances before taking the plunge into marriage and joint debts.
5 reasons to get a new mortgage in the new year - Need an excuse to get a mortgage in the new year? We have five. Actually, four-and-a-half.
Rejected for a mortgage? It's not the final word - When a bank turns you down for a mortgage, fix the issue and apply for a loan elsewhere.
Law gives 3 days to cancel refi or HELOC - The right of rescission lets borrowers back out of some mortgages -- but be careful.
Sometimes an underwater home is good - You can shed a second mortgage if your first one's underwater.
Law gives 3 days to cancel refi or HELOC - The right of rescission lets borrowers back out of some mortgages -- but be careful.
Tips on researching current mortgage rates - There are some things you should know about mortgage rates when researching them.
Refinance or pay extra on mortgage? - Here are the factors you'll need to help calculate if it pays to refinance your mortgage.
Don't delay mortgage-nonpayment dispute - If a mortgage lender claims nonpayment, be prepared to act fast and provide proof. (10/26/10)
FHA changes home mortgage rules - Key FHA rule changes are now in effect, and more may be coming. How will they impact your next loan? (10/4/10)
Best day for extra mortgage payment? - How do you get the best bang for your buck when making additional mortgage payments? (9/24/10)
Will bad credit sink your mortgage? - Will bad credit sink your mortgage? (9/14/10)
3 ways to mess up a mortgage closing - Want a lender to delay or cancel your mortgage closing? Here's how to do it. (8/25/10)
Using a mortgage loan calculator - A mortgage loan calculator can reveal exactly where you stand on a current home loan. (8/18/10)
4 hidden costs of being a landlord - Investment properties create income for their owners. But landlords should know these costs. (8/12/10)
Calculate how much house you can afford - Here's how to use the calculator to determine how much house you can afford. (5/28/10)
3 tips for using the mortgage GFE - Following these three tips for using Good Faith Estimate can help you trim mortgage costs. (5/25/10)
How to use the mortgage calculator - Bankrate's mortgage calculator will help you determine your monthly payments. (2/25/10)
Ratios dictate home mortgage fate - Most lenders look at a pair of ratios when determining whether a home mortgage will be too risky. (2/11/10)
Help for mortgage scam victims - Homeowners may have little recourse if they're victims of a mortgage scam, but there is hope. (9/14/09)
Mortgage choice won't slow foreclosure - A choice now about whether to pay down the first or second mortgage won't slow a future foreclosure. (8/5/09)
Temporary Downsizing? by Gary Foreman - Should I sell my home? (12/2/02)
How I Stopped Paying Rent by Hong Lee (12/11/00)
The 125% Mortgage by Gary Foreman (10/9/00)
Renting to Own Your Home (2/28/00)

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Mortgages, Paying Off

Mortgages, IRAs
Mortgages, Paying Off
Mortgages, Prepayment

Mortgages, Paying Off

4 ways to pay off your mortgage early and calculate the savings - Use these methods to hasten the day when you no longer make a mortgage payment.
Should retiree raid 401(k) to pay off the mortgage? - With your mortgage rate high and 401(k) return low, this is 1 option, but there are more.
See how these homeowners paid off their mortgages decades ahead of schedule - Can you repay a mortgage as fast as you pay off a car loan? These folks did.
Savings vs. reserve mortgage to pay home loan? - Should you tap savings or a reverse mortgage to close out a home loan? Try this tactic.
Estimating returns on stocks and your mortgage - Thinking about putting some extra cash into paying down your mortgage? Check this out first.
Be mortgage-free and fund your retirement - Consider these tips for paying off your mortgage while also saving for retirement.
Should a retiree use retirement funds to pay down mortgage? - So you have $30K you don't need -- should you keep it in savings or pay down the mortgage?
Reasons to burn the mortgage before retirement - A new study shows homeowners with no mortgages have more financial flexibility.
Use 401(k) to pay down mortgage before retirement? - Paying off your mortgage might be a good idea, but not at the expense of your retirement.
The right way and wrong way to pay down your mortgage - There's a right way and wrong way to pay down your mortgage. Learn what's best.
4 ways to pay off your mortgage earlier - Dream of owning your house free and clear? Here's how.
Pay off my simple-interest mortgage faster? - Here are tips on making quick work of a mortgage that accrues interest daily, not monthly.
Should I sell stocks to pay down my mortgage? - Get advice on how to know whether to wipe out your portfolio to wipe away mortgage debt.
Use savings for my mortgage? Or vice versa? - Learn whether a nest egg should be cracked to pay off a house or fattened through a refinance.
Don't you dare pay off mortgage with IRA - Refinancing or getting a reverse mortgage can provide you cash and spare your retirement funds.
Pay off mortgage with lower-rate HELOC? - If you can pay off your house fairly soon, you might have a cheaper mortgage option.
Wipe out savings to get rid of your mortgage? - Paying off your mortgage can be satisfying, but not if you must use all of your savings.
Save money by paying off your mortgage early - There's more than one way to repay your mortgage early. Start now to save more.
Pay 30-year loan vs. refinance to 15 years - Paying down your mortgage before retiring is a great idea. Consider refinancing, too.
Can you get a mortgage on paid-off home? - If a house is paid off, can you get a new mortgage to fund the purchase of a second property?
Young, frugal, ready to ditch mortgage - But should you pay off your home? It's only one option for a couple with hefty assets.
4 ways to pay off your mortgage earlier - Dream of owning your house free and clear? Here's how.
Pay down mortgage or increase savings? - Keep paying on your mortgage to snag the tax benefit and bump up savings with extra cash.
Is paying off your mortgage the best move? - You could devote extra cash to the mortgage, but look at boosting retirement savings, too.
Best way to pay off a mortgage - Being mortgage-free in retirement is a worthy goal. What's the best way to make it happen?
Pay off mortgage or invest? - If you don't fully benefit from a mortgage deduction, paying off the loan is the best move.
Should ailing husband pay down mortgage? - Husband wants to pay down principal to make life easier on his wife after his death.
Smart to pay off house early? Maybe not - Life without a mortgage sounds great, but sometimes the numbers don't add up.
Pay off mortgage or invest? - If you don't fully benefit from a mortgage deduction, paying off the loan is the best move.
Pay off mortgage with IRA funds? - Although you're more than 59½ years old, you still have to pay income tax on the withdrawal.
4 ways to pay off your mortgage earlier - This is a safe, strategic investment. Follow one of these four ways to do it.
Best way to pay off a mortgage - Being mortgage-free in retirement is a worthy goal. What's the best way to make it happen?
Best day for extra mortgage payment? - How do you get the best bang for your buck when making additional mortgage payments?
Pay off new mortgage in four years? - When downsizing to a new home, it's smart to use equity to shorten the term of your loan.
Use savings in CDs to pay off house? - Depleting a savings account to pay off a mortgage could leave you vulnerable in an emergency. (8/30/10)
Early mortgage payment won't save much - Making a mortgage payment earlier in the month will not result in big savings for one homeowner. (12/4/09)
Extra payments cut mortgage by 12 years - Diverting a little extra cash into your mortgage can save you tens of thousands of dollars. (10/27/09)
Don't rush to pay off mortgage - A homeowner with a low mortgage payment shouldn't be in a hurry to pay off the loan. (8/21/09)
Paying off mortgage not risk-free - Paying off a home mortgage can make sense, but it may not be as risk-free as it initially appears.(8/17/09)
Math shows benefit of mortgage payoff - Running the numbers proves a homeowner who plans to sell may benefit from paying off her mortgage.
Managing Your Mortgage - An important part of building wealth (7/26/04)
Bi-Weekly Mortgage by Gary Foreman - An easy payoff strategy (7/29/02)
Dandy Tips for Saving on Your Mortgage by Ginita Wall, CFP, CPA (9/13/99)
Mortgage Paydown Challenge by Gary Foreman (7/13/98)
Invest In Your Own Mortgage? by Gary Foreman (9/22/97)

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Mortgages, Prepayment

Expert Interview: Why You Shouldn't Pay Off Your Mortgage Early by Paige Estigarribia - Why you might want to keep your mortgage debt.
Prepay your mortgage to save money and time - Extra mortgage payments can save you thousands of dollars and cut years off the repayment.
Should I pay extra toward my mortgage principal? - Pay a little more every month, and your mortgage interest will drop. Here's how it works.
4 things to do before repaying a mortgage early - Tackle these other financial missions before targeting that mortgage balance.
How a huge lump-sum payment affects your mortgage - Use this tool to learn how a big, fat payment affects your mortgage payoff date.
Why pay extra toward mortgage principal? - Pay a little more every month, and your mortgage interest will drop. Here's how it works.
Refinance or just pay down my mortgage to save money? - Looking to save money on your mortgage? Consider refinancing or making more payments.
Why pay extra toward mortgage principal? - Pay a little more every month, and your mortgage interest will drop. Here's how it works.
How to pay off your mortgage loan faster - A mortgage is like a dental appointment: You want it to end quickly. Here are some tips.
Prepaying mortgage could raise rate - Paying down extra on a monthly mortgage payment could raise the effective mortgage rate. (8/16/10)
Couple's mistake? Paying down mortgage - Extra home loan payments backfired on one free-spending couple. Will a refinance bail them out? (6/29/10)
Extra mortgage payments won't boost profit - Making extra mortgage payments will not increase the profit or loss when the home is sold. (5/26/10)
6 steps to a lower prepayment penalty - It's not easy to waive these hefty loan fees, but this strategy could help reduce the costly sting. (1/11/10)
Home mortgage strategy is flawed - A homeowner's strategy of prepaying a home mortgage will not accomplish her goals. (12/30/09)
Mortgage prepayment may be unwise - A homeowner with low tax expenses and a top return on her savings should not prepay her mortgage. (10/5/09)
Biweekly Mortgage Payment Programs by Damon Carr - Savings or scams? (1/21/08)
Debunking the Mortgage Prepayment Myth by Jeffrey Yeager - Spotlighting one of life's great milestones (4/12/04)
How Mortgage Prepayments Work by Gary Foreman - Exploring the benefits (6/16/03)
Mortgage Prepayments When You Expect to Sell by Gary Foreman (11/20/00)

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Mortgages, Rate Changes

How to cope with higher mortgage rates - You're not helpless in the face of rising mortgage rates. Here are some of your options.
The pros and cons of bond ETFs - In this time of low yields, are bond ETFs a good place to park your cash?

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Mortgages, Rate Locks

Rate locks: Answers to 5 frequent questions - What's a rate lock and how much does it cost? We answer those and three other questions.
How to lock a mortgage rate for a good deal - Lock a low mortgage rate by comparing rates and watching the timing.
5 frequently asked questions about mortgage rate locks - Everything you always wanted to know about mortgage rate locks (but were afraid to ask).
How early should you lock a mortgage rate? - Many borrowers lock in a mortgage rate after finding a new home. But is that always the best strategy? (8/24/10)

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Mortgages, Rates

Mortgages, Adjustable Rate
Mortgages, Rate Changes
Mortgages, Rate Locks
Mortgages, Refinancing

Mortgages, Refinancing

Refinance into a 15-year mortgage and save - Refinancing to a 15-year loan saves money in the long run. Is it for you?
How to figure out when and if you should refinance your mortgage - Here's how to determine whether you will benefit by refinancing your mortgage.
Get a cash-out refinance on your home? Here are the pros and cons - Home values are up, which means you might be able to extract home equity. Should you?
Should you refi your mortgage, even if it means paying PMI? - The refinance math gets trickier when you add mortgage insurance to the equation.
Can I do a no-closing-cost mortgage refinance? - It might not come out of your pocket, but you'll still pay to close on your mortgage.
How to turn a cash-out refi into 401(k) bonanza - Mortgage rates are so low that a cash-out refinance can boost your 401(k). Here's how.
How to figure out when it makes sense to refinance your mortgage - Here's how to determine whether you will benefit by refinancing your mortgage.
Video: Time to refinance your mortgage? 4 reasons why you should - Ask yourself these questions to decide whether or not refinancing your mortgage is worth it.
Refinancing a mortgage: The basics - Here's why people refinance mortgages, with examples of rate-and-term and cash-out refis.
I can get a lower mortgage rate. Why not refi? - Even if you can refi to a lower rate and payments, you still may want to avoid it. Here's why.
Should You Refinance Your Home by Rick Kahler - The math behind your decision
Refinance mortgage with a home equity loan? - For some homeowners, it could make sense to refinance with a home equity loan.
Should I refi from ARM to a fixed-rate mortgage? - Plenty of people are jumping aboard the mortgage refinancing bandwagon. Should you?
Refinancing a mobile home loan at a lower rate - You save money by financing a mobile home as real estate instead of personal property.
Should you refinance a 2.8 percent ARM? - Rates can't stay low forever, can they? What if you have an adjustable-rate mortgage?
Would refinancing mortgage get rid of PMI? - Refinancing a mortgage might make sense if you want to shed PMI payments.
Refi 1st mortgage but not 2nd? What you need to know about resubordination - Your mortgage doesn't want to step in line behind the equity loan. Thus, resubordination.
Mortgage refinancing can help you to save - Weighing a mortgage refinance? Our calculators can help pinpoint possible savings ahead.
How much can you really save refinancing from a 30-year to a 15-year mortgage? - Refinancing might sound attractive, but be aware of a variety of costs you'll have to pay.
Refinance into a 15-year mortgage and save - Refinancing to a 15-year loan saves money in the long run. Is it for you?
Get a new mortgage to pay credit card debt? - A cash-out mortgage refinance can help you address the burden of credit card debt.
Refinance mortgage after bankruptcy? - Refinancing your mortgage might be an option even after going through bankruptcy.
Avoid mortgage closing costs on a refinance? - It might not come out of your pocket, but you'll still pay to close on your mortgage.
Ex won't refinance to take my name off house - Court is one way to make your ex-wife take your name off the title, but it might not work.
Debt restructuring with lackluster credit - Taking out a new mortgage is one possible way to reduce your large debt burden.
Can I refi if home wasn't reaffirmed in bankruptcy? - Trying to refi if your home wasn't reaffirmed in bankruptcy? It can have consequences.
Mortgage refinance options before retirement - Approaching retirement? Consult a financial planner before refinancing your mortgage.
Deciding on 10- or 15-year for refinance - You know you want to refinance your mortgage, but is the 10- or 15-year term best for you?
Do I lose my home's equity after refinancing? - When refinancing your home at a lower interest rate, you can also preserve home equity.
6 things to ask when refinancing a vacation home - There's more to refinancing your second home besides asking, "What's your best rate?"
Frozen out during a cash-out refinancing? - Doing a cash-out refinancing can be tough, but there are options for tapping home equity.
Mortgage refinance taxing with 401(k) - If you refinance a home with a 401(k), tax issues might arise, depending on how it's done.
How to determine if a refinance is a wise choice - Doing the math on a prospective mortgage refinancing is complicated, but not impossible.
What's the best way to cut mortgage interest costs? - One great way to save through a mortgage refinancing involves whether to extend the term.
Know if you should refinance your mortgage - Interest rates are still low. Does the math favor a possible mortgage refinance for you?
Better to pay down mortgage or refinance? - Eager to pay off your mortgage a bit early? You might be better off looking at a 15-year loan.
Why a refinance is a great way to invest - An expert says a mortgage refinance is among the best ways to invest your savings.
I can get a lower mortgage rate. Should I refi? - Even if you can refi to a lower rate and payments, you still may want to avoid it. Here's why.
How to boost 401(k) with a cash-out refi - Mortgage rates are so low that a cash-out refinance can boost your 401(k). Here's how.
Should I refinance my brand-new mortgage? - The ink isn't dry on your mortgage, yet interest rates keep falling. Time to refinance?
10 tips about mortgages and refinancing - Here's how to exploit low mortgage rates, beyond refinancing or buying a home.
Should I refinance my brand-new mortgage? - The ink isn't dry on your mortgage, yet interest rates keep falling. Time to refinance?
Refinance for lower rate, but longer term? - Be careful with a mortgage rate reduction offer that may not save you much in the long run.
Should I refinance into a 'no-cost mortgage'? - You pay closing costs, even with a loan that claims you don't. It can still be a good deal.
Do I refi if I'm likely to move out of home? - Refinancing can be worth it even if you don't plan to hang around to the end of the loan term.
7 reasons you should refinance right now - A refinance can have many benefits, from getting a lower rate to consolidating debt.
3 options to refinance into a VA home loan - If you qualify for a Veterans Affairs mortgage, you have some excellent reasons to refi.
Should I refinance through my current lender? - You may want to avoid feeling warm and fuzzy toward your mortgage company come refi time.
Deducting interest when you refi to buy a rental - You can allocate the mortgage interest between your primary residence and the rental property.
Factors that influence your refinance rate - Can't refinance your mortgage at the advertised rate? See which factors govern a refi deal.
Home refinance options with a low credit score - Refinancing can help provide cash for needed home repairs, but is it worth the price?
5 ways to gain from a mortgage refinance - If you think refinancing a mortgage is only about bagging a lower monthly payment, think again.
If you can afford a 15-year refi, do it! - The shorter term can be worth the higher monthly payments if you don't short-change other goals.
The slippery slope of serial home refinancing - At today's low rates, a refi is tempting. Follow these tips to make sure it's right for you.
Refi tips when loan's military rate break ends - Service members shouldn't surrender to a high rate when losing an active-duty discount.
5 ways to gain from a mortgage refinance - If you think refinancing a mortgage is only about bagging a lower monthly payment, think again.
Why we refinanced: 3 homeowners tell all - Three homeowners describe the pleasures and pitfalls of refinancing their mortgages.
6 questions to ask before a home refinance - Ask these questions before jumping at a home refinance.
FHA streamline refinance gets cheaper and easier - The FHA is cutting fees on streamline refis, so more homeowners can afford to refinance.
Refinancing to pay for my swimming pool? - Think of interest costs to decide how to put liquidity from your home into a new pool out back.
Deducting interest when you refi to buy a rental - You can allocate the mortgage interest between your primary residence and the rental property.
Does a cash-out refinance hurt at sale time? - There are times when home sellers wish they hadn't used their property as a piggy bank.
Refinancing Underwater Mortgages contributed by Refinance Mortgage Rates - How to get out from under your mortgage.
Factors that influence your refinance rate - Can't refinance your mortgage at the advertised rate? See which factors govern a refi deal.
Cash-out refinance to pay off credit card debt? - At today's rates, a cash-out refi seems the way out of credit card debt, but do the math first.
Factors that influence your refinance rate - Can't refinance your mortgage at the advertised rate? See which factors govern a refi deal.
Should I do a cash-out refinance to invest? - Low rates may tempt you to tap your home for investment money. Find out if that's worth doing.
Use cash-out refinancing to pay $20,000 debt? - Yes, to refinancing. No, to taking cash out. The refi can help to pay your debt in another way.
How important is the tax dedcution when determining whether to refinance? - Wondering whether to refinance your home? Don't let taxes come before these other factors.
Refinance a home to a 20- or 30-year mortgage? - A 20-year mortgage offers a lower payment, but there's one reason you might prefer a 30-year.
What factors go into a refinancing decision? - Lowering interest isn't the only goal in refinancing. Ponder these other reasons first.
Is refinancing your VA home loan worth it? - Refinancing -- Veterans Affairs loan or not -- is a major move. Follow this guide.
How to refinance when you have a second mortgage - It's not easy to refinance your mortgage when you have equity debt. Here are the options.
Is a cash-out home refinancing right for you? - Sometimes you need extra cash. Find out how one couple could benefit from cash-out refinancing.
Refinance or pay off mortgage on rental? - At today's rates, refinancing a rental has its advantages. Weigh these reasons before doing it.
Prepay your mortgage or refinance your home? - You could cut your interest and loan costs by prepaying but at today's rates, why not refi?
Snag lower rates with serial refinancing? - Serial refinancing is usually a bad idea, but there are exceptions that make it a smart move.
Front-load additional mortgage loan payments? - Rates may be right to refi your mortgage, but closing costs might make your old loan a keeper.
The slippery slope of serial home refinancing - At today's low rates, a refi is tempting. Follow these tips to make sure it's right for you.
Underwater? Weigh these refinancing options - You have refinancing options when you're upside down on your mortgage. Get the lowdown.
Use a cash-out refinancing to make home repairs? - A cash-out refi is one way to make home repairs, but how does it stack up with other options?
6 questions to ask before a home refinance - A refi isn't always possible or ideal. Ask these questions before taking the leap.
Refinance owner-occupied, 2-unit dwelling? - Weighing whether to refinance your property? Answer these questions to make the right decision.
Should you refinance home using your 401(k)? - Not getting much return in your 401(k)? Think twice before using it to refinance your home.
Refinance, recast or pay down your mortgage? - Refinancing is one way to lower your mortgage payment. Will these options reduce it, too?
Refinance after bankruptcy and late payments? - The opportunity to refinance may be nil if you are behind on payments and lack equity.
Try a reverse mortgage or pay off loan? - Weigh these factors to decide whether you really need a reverse mortgage.
Pay off home faster with a cash-in refinance - Want to pay your home loan more quickly? Try cash-in refinancing or one of these other options.
Proving income to refinance your mortgage - You have to verify you earn enough to qualify for a mortgage, which can be tricky.
Refinancing a 30-year mortgage? Switch to 15 - You may be refinancing a 30-year mortgage, but there are good reasons to reduce the term.
Refinance home to pay for college? - If you choose a cash-out refinance over student loans, you still get a tidy tax deduction.
There's more to refinancing than low rates - Dirt-cheap interest is intoxicating, but weigh these factors too when refinancing a home.
Repeat refinance could ding credit - Two mortgage refinances in three months could negatively impact a credit score.
Is 15- or 30-year mortgage refinance best? - There are two reasons to refinance. Your length of term depends on why you're doing it.
Refinance Now by Rick Kahler - How will you know if it’s time to consider refinancing?
5 refinance tips for borrowers - Joining the refi boom? Be ready to move fast, and stay on top of your lender to get the best rate.
Cash-out refi to remodel bathroom? - Thinking of refinancing your home? Consider refinancing and cash-out separately.
Sell home or refi ARM: A matter of timing - By refinancing, you'll have a longer timeline to sell while getting today's low mortgage rates.
Mortgage rate chasing, a fool's game - Sure, you might save a fraction of a percent, but you have to start the loan process over.
Refinance to shorter term, shave interest - With today's crazy low rates, refinance now if you plan to stay in the house and the loan.
7 good reasons why you should refinance - A refinance can make sense for many reasons, from getting a lower rate to consolidating debt.
Should you refinance with a 5/1 jumbo ARM? - Have a big mortgage? Consider refinancing to a jumbo 5/1 ARM. It could mean lower monthly payments.
5 ways to screw up a mortgage refinance - A mortgage refinance is trickier than it was a few years ago. Here are five ways to mess up.
When is it worth it to refinance? - Many factors go into the decision to refinance. Here's how to crunch the numbers.
6 questions to ask before a refinance - A refi isn't always possible or desirable. Ask these questions before taking the leap.
Refinance reverse mortgage to tap equity? - The upfront cost of refinancing a reverse mortgage and other issues make it a tough choice.
7 reasons why you should refinance - A refinance can make sense for many reasons, from getting a lower rate to consolidating debt.
Bankrupt, underwater and want to refinance - Bankruptcy can help you keep your home, but securing a better mortgage won't be easy.
Are you ready to refinance your home? - These six steps will help you decide if you're ready, and able, to refinance your home.
Worth the cost to refinance? - Deciding to refinance based on how soon your home value will appreciate can be risky.
Per diem interest charged in refinance - In refinancing, there can be overlapping days when you owe mortgage interest to both banks.
Mortgage Refinancing: Is It Right for You? (10/9/06)
Reducing Payments by $200? by Gary Foreman (10/5/98)

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See Reverse Mortgages

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Mortgages, Second Mortgage

Can second mortgage lender pursue payment? - Just because a loan is discharged in bankruptcy, doesn't mean the lender can't go after you.(9/14/10)
Can you get a mortgage on paid-off home? - If a house is paid off, can you get a new mortgage to fund the purchase of a second property? (4/19/10)
Unwise to skip second mortgage payment - Some homeowners mistakenly think they can avoid making second-mortgage payments. (11/10/09)

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Mortgages, Selecting a Lender


Which mortgage is for you? Conventional, FHA, VA - Know these 3 major loan types before you go mortgage shopping.
3 reasons you might want to get your mortgage from a credit union - There are at least 3 reasons to seek a credit union when you shop for a mortgage.
When you should and shouldn't use the home seller's preferred lender - The seller wants you to get a mortgage from a specific lender. When is it a good idea?
Which type of mortgage lender is right for you? - Today, mortgage brokers and other lenders provide additional ways to buy a home. Each has its own strengths.
15 things your mortgage lender wants to know - A mortgage lender will want to know these things about your finances.
Top 10 tips for mortgage borrowers in 2015 - Want to buy a house next year? These tips will help you find the best home loan.
Which kind of loan is best: a variable or a fixed-rate mortgage? - Looking to get a new mortgage? Don't bet that interest rates will stay this low for years to come.
Weekly mortgage payments and late fees - Paying your mortgage on time weekly and still being hit with late fees? There's a problem.
How to Choose a Mortgage Broker by Jonathan Cochran - Choosing a mortgage broker before you shop for financing.
Is no-closing-cost mortgage for you? - A no-closing-cost mortgage can save you thousands in upfront fees. Is it right for you?
So many mortgage loan options! What's best? - Wade through an alphabet soup of PMI, ARMs, FHA and VA loans to pick the right mortgage.
How to find a mortgage lender and pick the best - Your ideal mortgage lender may be online. Search for a few, then ask these questions.
First-time homeowner, first-time mortgage - The first step first-time homebuyers should take is to consult with a reputable mortgage lender.
Check out mortgage lenders before you buy - It might be a good time to look for a house, but check out mortgage lenders before you buy.
Looking for lowest mortgage rates? - Mortgage rates today are near historic lows, but you'll need good credit to get great deals. (7/22/10)
7 crucial facts about FHA loans - FHA loans play a vital role in today's real estate market. Here are seven important facts to know. (7/21/10)
Do homework before choosing home loan - Should you buy a home -- even a great bargain -- if you have only $1,000 for the down payment? (5/10/10)
Fixing 3 common FHA loan snags - Borrowers face potential roadblocks to securing an FHA loan. Here's how to move past them. (3/2/10)
7 things to know about an FHA loan - An FHA loan may be the ticket for you. These tips will help you take advantage of one. (1/21/10)

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Mortgages, Selecting a Mortgage

Is a no-closing-cost mortgage for you? Decide in 3 easy steps - Assess the pros and cons of a mortgage that rolls your closing costs into the loan.
Drawbacks of refinancing into a 15-year mortgage - A 15-year mortgage has some downsides compared with a 30-year loan of the same amount.
Is a No-Closing-Cost Mortgage for You? - A no-closing-cost mortgage can save you thousands in upfront fees. But it's not for every buyer.
4 types of mortgage deals that will save you money if you have the right job - From teachers to doctors, certain jobs come with mortgage perks.
5 mortgages that require little or no money down - Homebuyers seeking loans with light down-payment requirements have options.
7 crucial facts about FHA loans - FHA loans play a vital role in today's real estate market. Here are seven important facts to know.
3 types of mortgage loans for homebuyers - These days, homebuyers have fewer home loan options. We explain what they are and how they work.
Try for mortgage despite thin credit history - Looking to get a mortgage without much of a credit history? Here's a path to follow.
How to get a loan for a home needing work - Fallen in love with a home in need of TLC? You can get a mortgage for an unfinished house.
Mortgage options for potential money pit - If you want to buy a home that needs renovation, the government has a program for you.
Looking for a mortgage to buy a fixer-upper? - Want to buy a home needing tender loving care? There's a HUD loan program that can help.
Top 10 tips for mortgage borrowers in 2014 - Should you rush to get a mortgage, or take your time? Both, sorta. But don't panic.
Monthly or single-payment mortgage insurance? - You can pay mortgage insurance with one lump sum instead of monthly. Should you?
With damaged credit, can I get a mortgage? - If you have shaky credit, getting a new mortgage will be difficult, but not impossible.
Torn between 2 mortgage refinance choices - When deciding between a 20- or 30-year mortgage, think about all your financial goals.
5 frequent questions lenders get about mortgage rates - Everyone asks mortgage lenders the same questions. The answers are kinda complicated.
4 mortgages for little or no money down - Surprisingly, buyers with little money for a down payment are successfully getting mortgages.
Lock or float a mortgage rate? How to decide - Here are some factors to consider when deciding whether to lock a mortgage rate or float.
Benefits stack up from piggyback mortgage - Carrying one mortgage on top of another can make your savings mount when you refinance.
Want a jumbo home? You need a jumbo mortgage - A jumbo mortgage isn't your conventional home loan. It's bigger. Find out who qualifies.
Video - Taking on a jumbo mortgage - How is a jumbo mortgage different from a regular conforming mortgage?
Look before you leap into jumbo ARMs - A low-rate adjustable jumbo mortgage costs less at first -- at the risk of increases later.
10 questions for lenders - Here are the 10 key questions to ask at application time to help you find the best home loan.
Deciding between ARM and fixed-rate mortgages - Low initial cost favors adjustables, but defined payments make fixed rates a safer option.
Understanding mortgage points - There are different types of points. Find out how they can affect your monthly mortgage payment.
What is the best mortgage for your lifestyle? - Take a look at the different types of mortgages on the market to decide which would be best for you.
These mortgages pay for home renovations - Want to buy a run-down home and fix it up, but don't have the cash? There's a loan for that.
3 reasons low mortgage rates are key - Before purchasing a home, consider these factors that could cost you more in the long run.
ARM, hybrid or fixed-rate loan? - Home loans have many variables; rates are only one. Learn the ins and outs before choosing.
The 411 on a 30-year fixed-rate mortgage - While 30-year fixed-rate loans offer a lot of certainty, they don't offer a lot of flexibility.
How to finance a duplex or multi-unit home - Getting a loan on a multi-unit home? You'll have more options if you live in the building.
How to jump through condo-lending hoops - Whether buying or refinancing, getting a loan on a condo is hard. Here's what to know.

How Much House? by Gary Foreman - A home that you can love and afford, too (10/21/02)
Shopping for a Home Mortgage by Ginita Wall (5/3/99)
15 vs. 30 Year Mortgage (10/18/99)

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Mortgages, Taxes

See Taxes, Mortgages


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