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TODAY'S EXPERT ADVICE
Features
6 steps to turn your hobby into your job -- You can make your pastime pay off as long as you take a professional approach to the hobby-to-job transition.
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Rounding up cash for college -- Start now to line up scholarships, grants and loans for college.
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Let a life coach get your mind in shape -- What's a cross between a psychologist and a mom, is less expensive than a shrink and doesn't apply guilt? A personal coach.
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6 easy money moves -- Find extra cash in your budget painlessly.
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Make 2005 the year to boost your credit score -- If the creditors love you because they can charge you their highest rates, you've got to change. Improve your credit score.
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Demystifying mystery shoppers -- That woman in front of you at the fast food joint ordering 10 different kids' meals isn't the world's most harried mom. She's working as a mystery shopper, getting paid to spend someone else's money.
PLUS:
Are you mystery shopper material?
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People value losing fat over pinching pennies in 2005 -- What's more important to you? Physical fitness or fixing your finances? In a nationwide poll commissioned by Bankrate.com, getting in shape tipped the balance by a slim margin!
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Extreme financial makeovers -- You can make big changes to your finances. Defeat your financial burdens once and forever!
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50 thrifty financial tips for 2005 -- From careers to debt to real estate, Bankrate's columnists offer 50 ways to help you prosper in 2005.
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Money tips for women -- Experts offer five ways for women to refresh their financial outlook and checkbooks.
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Fast cash at the slots -- Gamblers may soon get more funds with just a swipe of a credit or debit card right at their favorite slot machine.
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Gifts that keep on giving -- If you're stumped for gift ideas or are looking for a gift that will have meaning for years to come, consider a financial gift.
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Rules change would weaken do-not-call list -- Consumers have until Jan. 10 to comment about prerecorded calls from telemarketers.
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Lowdown on the high cost of shredded cheese -- It's nice to buy your cheese pre-shredded, but is it worth $160 an hour? How about $75 an hour for pre-sliced apples?
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Talking to your partner about money -- Good communication is essential in a healthy relationship. Some topics are easy to talk about, but few are as important as money to a long and happy marriage.
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Making the move to retirement -- Which assets to tap first? How much can you withdraw? Where to get medical coverage? These questions can trip you up as you prepare for the transition.
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Finding the best pet for your family -- Bringing a pet home is the beginning of a long-term commitment. Here'a a look at the costs and care involved with eight different pets -- from the ordinary to the exotic.
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Like that hotel bed? Buy it! -- After trying them out for size, you can purchase the bed and pillows from some upscale hotel chains.
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'Cause marketing' offers painless way to give -- You can buy anything from dog food to airline tickets and make a donation while you're at it.
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17 bizarre scholarships: YOU may qualify -- Funds are waiting to be claimed by everyone from golf caddies to Klingon speakers. There's even cash for the tall, the short and the average.
PLUS: Finding scholar dollars on the Web
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The true cost of a day at the ballgame -- Ever wonder if there's a correlation between ticket prices for NFL and NBA games and the salaries of their superstars? Wonder no more.
PLUS: Team-by-team costs

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Binding arbitration: a rights giveaway -- Consumers often don't notice these clauses in their contracts. Unfortunately, the scales of justice tip heavily in favor of business.
PLUS: What you can do about arbitration
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Travel bargains can be cool in winter -- Change your expectations a little and you can find discounted vacation deals to unusual places from surprising sources!
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21 ways to winterize your life -- When the chilly winds begin to blow, it's time to prepare your home, your car and your life!
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Adding up the cost of home schooling -- Teaching their children at home appeals to many parents. But, just how affordable is this specialized type of education?
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Unlucky in (lottery) riches -- Winning the lottery manages to turn some into financial losers.
PLUS: You won the lottery! Now what?
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Gift buying for all occasions -- Some gifts you're excited to buy, others are a chore. Check out these ideas for when to splurge and how to make it look like you did even when you didn't.
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Young, single and in need of an estate plan -- Even though you're young and unattached, you probably have a bigger estate than you think and you need to make plans to take care of it.
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Turn your wedding into a commercial? -- Looking to cut down on the enormous cost of nuptials, some couples are seeking sponsors for their big day.
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Choosing the best big-screen TV for you -- It used to be a simple matter of selecting price and TV screen size. These days, you have to navigate numerous different technologies.
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Getting a divorce? Protect yourself -- While credit and other financial issues may not be at the top of your mind during this stressful time, it's important to address them.
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7 steps to a smooth career change -- Before you take your job and shove it for a different one altogether, make sure to do it in a way that won't wreck your life or your finances.
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Stop the telemarketers! -- If you still haven't signed up to be taken off the telemarketers' lists, do it now. Here's how the national Do Not Call Registry works.
PLUS: 10 telemarketing no-nos
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ABCs of booking a cruise -- Planning a vacation on the water? Here's how to maximize your enjoyment, minimize disappointments and keep more of your liquid assets.
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Getting real about fake designer merchandise -- The desire for designer products and the demand for their counterfeit counterparts have reached new heights.
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5 money mistakes even smart people make -- Even the sharpest folks miss some things, especially when it comes to finances. Find out if this means you.
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Finding help in hard times -- An unexpected calamity, such as the loss of a job, can suddenly make it difficult for anyone to make ends meet. These services might be able to help.
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Web phones: Less cost, more hassles -- You can save on calls by using the Internet, but you'll sacrifice convenience and quality.
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Win at work: Cures for your cubicle crises
--
Take charge of your destiny. Tweak your work persona to get ahead and get along.
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Stomp out identity theft
-- ID theft can happen to anyone. Take control of your personal information by opting out, speaking up and staying vigilant.
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10 steps to a money-smart divorce -- Severing your fiscal as well as marital ties is never easy, but these tips will help you steady your financial ship as you set sail for the solo voyage ahead.
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When the airline loses your luggage -- Few things are more maddening than having your trip ruined by lost luggage. But there is a sane way to handle the rigmarole.
PLUS: 7 tips to avoid lost-luggage ordeals
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How to raise funds for a good cause -- If you're raising $1,000, pass the hat. If you're raising big bucks, follow the rules or you might have to deal with the IRS.
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Identity theft: a victim's tale
-- John Harrison followed all the rules, and he's still paying for someone else's crime.
PLUS: How to protect yourself
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Beating a bullying boss -- You can deal with office bullies in one of three ways: Ignore them, confront them, or report them to the boss. But what do you do if the bully is your boss?
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Remember when stuff was free? -- It used to be free to get money from an ATM, have your oil checked or dial information. Well, no more. It's fee-rocious out there!
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Slash your summer energy costs -- Aside from shutting the door and windows when the AC is on, how can you save on summer energy bills?
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Is ID theft protection worth the money? --Some programs flag problems early; others aren't worth the price.
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Getting service from customer service -- Consumer experts and industry insiders say you need to be organized, remain calm and know what you want to get out of the call.
PLUS: 8 tips for calling customer service
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10 tips for naming beneficiaries -- A will isn't always the last word on who gets what. Many assets, such as retirement accounts, require that you name a beneficiary.

ADVICE CATEGORIES

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Scam Watch

Don't get taken by disaster scammers -- The tsunami disaster relief effort has brought out the worst in a few people, who have used the tragedy to set up scams. Here's how to make sure your heartfelt donation goes to the right place.

New version of old scam uses memory of Holocaust -- In a twist on the Nigerian scam, now the crooks say they have access to funds belonging to Holocaust victims.

Danger! Scammers blitzing bank customers again -- If you've received an e-mail from your bank or credit card company asking for personal information, delete it. Then call them.

Online banking customers beware -- Scammers have figured out a way to watch your transactions from afar, so take steps to protect yourself.

Phony tax fraud e-mail tempts consumers -- What could be worse than being suspected of tax fraud by the IRS? Falling for a phishing scam by fraudsters posing as the IRS.

8 most-common scams -- Con artists are always dreaming up new ways to snag our money, but all their tricks revolve around eight basic scams.

Do Not E-mail Registry's a fake -- There's no such thing as a Do Not E-mail Registry. It's a scam.

Patriot Act and FDIC used in phishing scam -- Beware of e-mail that appears to be from the Federal Deposit Insurance Corporation. It's a scam aiming to get your personal information.

Online auction fraud -- You may get an offer for a better deal elsewhere when bidding online. Trust us: It's a raw deal.

Employment scam recruits victims to crime -- Accepting a job with these bogus firms will cost you your identity and make you an unwitting accomplice to crime.

 

Financial literacy

Bankrate.com Financial Literacy Survey -- Our second annual survey shows a disconnect exists between what Americans say and what we do. The first step out of debt denial is to admit there's a problem.

 

Expert columnists

Personal finance insider analysis -- Consumer-finance experts sound off on a variety of topics.

 

More

Life and Money

Buying your first home

Buying your first car

Digging out of debt

Surviving divorce

Lost your job

Getting married

Sudden windfall

Death of a spouse

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Financial advice terms

 

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Financial birthdays Financial birthdays -- Financial tips and tools geared for saving money and stretching earnings at each stage of life.

 

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Fine-tune your finances -- Bankrate's checkup stories give you practical tips to save money.

 

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10 tips for constructive complaining -- What do you do when everything that can go wrong, does go wrong? Here's how to make sure your concerns are heard and corrected.
 

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Getting justice in small claims court -- Don't just get mad at those who stiffed you. Get even in small claims court, one of the most popular dispensaries of old-fashioned, face-to-face justice.
 

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5 money habits to banish from your life -- Here are five financial headaches that quickly steal cash from a budget, and ways to cure them and put the money back where it belongs.
 

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  A guy's guide to buying fragrance -- Nothing says "I love you" better than fragrance. This guide is for men who don't know their eau from their toilette.
 

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  The cost of finding love -- Tired of the bar scene? Maybe it's time for professional help. Here's what to expect from matchmakers, and what it will cost.
 

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  Celebrating the union of love and money -- Money mergers might not be as much fun as the romantic kind, but are very important to a successful relationship.
 

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  How to choose a summer camp -- Choosing a day camp or sleepover camp for your child this summer? Consider these priorities before making your decision.
PLUS: Costs of summer camp
AND: Happy campers to Hollywood stars
 

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  'Super size' your savings -- With savings rates in the tank, where should you put your money? Beef up your earnings with these tips.
 

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  Fighting off the fees -- Ailing from a bad case of one-too-many fees? Learn how to zap the charges before they ruin your wallet.
 

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  Fatter paychecks for those who work overtime -- Changes in the law will mean extra pay for many employees, and not just for those at the bottom of the pay scale.
 
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  Free money! Some workers get an extra paycheck -- A fluke in the 2004 calendar results in a bonus for many salaried employees.
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