Bankrate.com: Advice Headlines http://www.bankrate.com/default.aspx Get personal finance advice from Bankrate.com experts. en-us Copyright 2012, Bankrate Inc. Thu, 09 Feb 2012 09:19:20 GMT webmaster@bankrate.com (webmaster) Bankrate Inc. http://www.bankrate.com/Images/logos/bankratelogo.gif http://www.bankrate.com/default.aspx 118 22 60 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. Thu, 09 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/debt/pay-down-29k-heloc-balance-due-3-years.aspx http://www.bankrate.com/finance/debt/pay-down-29k-heloc-balance-due-3-years.aspx New rules for reporting capital gains, losses Heads up -- the IRS will be able to better track gains and losses with the new Form 8949. Thu, 09 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/taxes/new-rules-report-capital-gains-losses.aspx http://www.bankrate.com/finance/taxes/new-rules-report-capital-gains-losses.aspx When to take Social Security spousal benefits? When can you receive spousal Social Security benefits? Here's how it works for one couple. Thu, 09 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/retirement/taking-social-security-spousal-benefits.aspx http://www.bankrate.com/finance/retirement/taking-social-security-spousal-benefits.aspx 3 ways to split rent and costs with roommates When roomies have unequal income, try one of these ways to divvy up the rent and monthly bills. Thu, 09 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/personal-finance/split-rent-with-roommates.aspx http://www.bankrate.com/finance/personal-finance/split-rent-with-roommates.aspx When in Rome, save for college in US A family living in Rome half of the year can use several college savings vehicles in the U.S. Wed, 08 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/college-finance/rome-start-529-savings-plan.aspx http://www.bankrate.com/finance/college-finance/rome-start-529-savings-plan.aspx Where do I stash cash in case of emergencies? When you create an emergency fund, consider these investment options. Tue, 07 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/investing/create-emergency-fund.aspx http://www.bankrate.com/finance/investing/create-emergency-fund.aspx Can bankruptcy cause me to lose my homes? Whether you're inside or outside of bankruptcy, losing your homes is a possibility. Tue, 07 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/debt/lose-homes-bankruptcy.aspx http://www.bankrate.com/finance/debt/lose-homes-bankruptcy.aspx Money in offshore account? Better report it! The IRS imposes stiff penalties on individuals who don't report offshore account earnings. Tue, 07 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/taxes/reporting-interest-foreign-accounts.aspx http://www.bankrate.com/finance/taxes/reporting-interest-foreign-accounts.aspx Can wages be garnished for old debt? Old debt never dies, but there is an expiration on a creditor's ability to garnish wages. Mon, 06 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/debt/wages-garnished-old-debt.aspx http://www.bankrate.com/finance/debt/wages-garnished-old-debt.aspx To pay for your kid's college, HELOC or refi? To fund your child's education, these loans can help. Find out which is best. Mon, 06 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/refinance/pay-college-heloc-or-refinance.aspx http://www.bankrate.com/finance/refinance/pay-college-heloc-or-refinance.aspx Who loses when the lease-to-own term ends? The lease-to-own term has expired, and the home lost value. Can this deal be saved? Sun, 05 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/real-estate/lease-to-own-term.aspx http://www.bankrate.com/finance/real-estate/lease-to-own-term.aspx How to choose the right auto body repair shop Don't just go with a shop from your insurer's list. Follow these criteria to get the right guy. Fri, 03 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/auto/choose-right-auto-body-shop.aspx http://www.bankrate.com/finance/auto/choose-right-auto-body-shop.aspx Will settling car loan debt kill credit score? A bank settlement sounds like a good deal, but find out the implications for your credit score. Fri, 03 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/auto/settling-car-loan-kill-credit-score.aspx http://www.bankrate.com/finance/auto/settling-car-loan-kill-credit-score.aspx 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. Fri, 03 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/credit/spend-windfall-squirrel-away.aspx http://www.bankrate.com/finance/credit/spend-windfall-squirrel-away.aspx Is a cash-out home refinancing right for you? Sometimes you need extra cash. This couple could benefit from cash-out refinancing. Thu, 02 Feb 2012 00:00:00 GMT http://www.bankrate.com/finance/refinance/is-cash-out-refinancing-right-for-you.aspx http://www.bankrate.com/finance/refinance/is-cash-out-refinancing-right-for-you.aspx