Skip the down payment and look to smarter investments

If your desire for home ownership is growing, and you’ve been furiously saving for that 20 percent down payment, you may want to take a moment to reconsider. The American dream is expensive and evolving. After you pay your mortgage, there’s still more to...

No more paper savings bonds in 2012

The U.S. savings bond, lovingly stuffed into Christmas and birthday cards for generations of grandkids, is going digital-only. As of Jan. 1, banks will no longer be able to order the formal-looking instruments that introduced millions of American youth to the value of...

Are you desperate for tax deductions?

You can’t deduct food as a medical expense, even though you get sick if you don’t eat. And your dogs may be like children to you, but you can’t claim them as exemptions. Knock it off. There’s little you can do now to reduce your 2010 taxes. But...

Forgotten US savings bonds can be pleasant surprise

Wouldn’t it be nice if we suddenly found enough cash on the sidewalk to pay our expenses or pay off a bill? Chances are, you won’t find enough pennies on the ground, but if you look elsewhere you may find some cash you didn’t think you had. While the...
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