No-brainer money tricks

Special report

No-brainer money tricks
By Bankrate.com

Even if you can't spell 401(k) and you think CDs are those little discs that play music, you can master finances. These quick tips will make a big difference in your financial life. They're so easy, anyone can do them.

..............................................................................

Pain-free ways to save
Ladder those CDs
	Here's why laddering is better than putting all your money into one rate of return.

Don't be a sucker: common financial scams and how to avoid them
	Keep your SSN and account numbers to yourself and don't fall for these "phishing" baits. Plus: Top 10 investment scams

Get a lower credit card rate
	If you've been a good customer, all you have to do is call and ask.

Understanding withholding
	Manage how much tax you want Uncle Sam to take out of your paycheck.

Can you pay me now?
	How to get a good deal on a cell phone that fits your needs.

Learn the basics of personal loans
	The pros and cons of taking out an unsecured loan.