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Mortgage Rates Drop Way Down The benchmark 30-year fixed-rate mortgage fell 20 basis points, to 5.64 percent.

How Important is Credit to You? Take this online quiz to see how your feelings about credit cards stack up against those of other Americans.

Understand Annuity Before You Sign The wrong time to learn more details about your annuity contract is after you sign on the dotted line.

H&R Block to Stop Selling Refund Anticipation Loans in California Company settles suit charging it with deceptive practices.

Tax Preparers Tighten Up on 'Instant Refund' Loans Refund anticipation loans almost always a bad idea.

High Credit Scores Get Top Loans Credit score has always been important. Now it must be even higher to get a low rate.

Tips to Cope with the Economy in 2009 Here's the best way to approach your finances in the coming year.

12 Steps to Credit Card Success Follow these rules to beat credit card issuers at their own game.

Mortgage Refis Surge Mortgage rates went up this week from near-record lows, as brokers scrambled to keep up with applications.

Use Cash for Refinance or Debt Paydown? Should you apply extra cash to a refinancing, or use it to pay down debt?

Save On Home Improvements Habitat for Humanity offers home improvement bargains.

Mortgage Rates Surge Mortgage rates went up this week from near-record lows, as brokers scrambled to keep up with applications.

5 Ways to Outlast Deflation Deflation can devastate the economy. Here are five ways to fight falling prices.

Mortgage Modification Meltdown The bailout program still isn't reaching homeowners.

Video: Debt Consolidation May Make Things Worse Unscrupulous companies prey on struggling consumers.

Mortgage Defaults Still Rising But foreclosures decrease slightly through 2008.

New Jersey Man Arrested in Ponzi Scheme Investment broker accused of bilking clients out of $1.3 million.

All Credit Cards Not Created Equal There are still plenty of tricks card issuers can legally play on their customers.

Foreclosures Rising Despite Prevention Programs Voluntary industry guidelines a failure, bankruptcy lawyers charge.

Mortgage Rates Take Another Sudden Drop 30-year fixed loan hits 5.94 percent.

Americans' Net Worth Plunges Nearly $3 Trillion Economics predict the recession will begin to ease in June 2009.

Foreclosures Rise 28 Percent in November Total actions slow from previous month, but still at record levels.

Mortgage Modification Help Need to modify your mortgage? Here are some valuable tips.

Mortgage Modification: Chase, WaMu, EMC Mortgage modification info for three big lenders.

Interest Rate Roundup Latest interest rates from Bankrate.com's weekly national survey.

Video: Real estate Auction Rip-Off? Know all the rules before you bid on a foreclosure at auction.

Get Your Mortgage Rate Lock Ready Solidify your loan terms when you have the chance.

Banking Report Errors Can Be Harmful A consumer banking report may have errors that make it difficult to open a checking account.

Jumbo Mortgage Deadline Looms Some mortgage borrowers are about to get squeezed by the shrinking of something called the jumbo conforming limit.

Bundle Up! 'Credit Winter' Is Coming You may not have recognized it yet, but "Credit Winter" is coming to your town.

Answers to Six Key Refinance Questions Frequently asked questions about the mortgage refinancing process.

Four Things to Know Before You Refinance Take these steps to be sure a refi will be good for you.

Answers to Six Key Refinance Questions Frequently asked questions about the mortgage refinancing process.

Four Things to Know Before You Refinance Take these steps to be sure a refi will be good for you.

Payday Loans Can Lead to Bankruptcy Quick financial fix can cause more problems than it solves.

Maximizing Your 401(k) Contribution Save income tax, and set your 401(k) contributions to maximize your employer's match, says CPA George Saenz.

Industry May Cut $2 Trillion in Credit Card Lines Bad economy, risk aversion causes banks to pull back.

Banks Set New Record for Fees in 2008 Bankrate.com study finds record-high fees on everything from ATMs to bounced checks.

Rethinking Retirement in Uncertain Times Traditional retirement is undergoing transformation. For many, it's likely to happen later, and it may involve work.

Interest Rate Roundup Here are the latest interest rates and commentary on five common consumer banking products.

Mortgage Rates Drop Below 6 Percent The benchmark 30-year fixed-rate loan fell to 5.97 percent in Bankrate's weekly survey.

Americans Less Clueless about Mortgages More people know what kind of mortgage they have than last year, but more also worry about making home payments.

Feds Report More Signs of Recession Government statistics show bad tidings in October.

Mortgage Rates Plunge as Fed Buys Up Loans Fed buys billions in securitized home loans, driving rates down.

Some Money Market Funds Now Insured For a short period of time, the U.S. government is granting insurance coverage to some money market funds.

Warning Signs that You Need Help with Debt These 15 signals let you know you're drowning in debt and it's time to call in a financial fitness expert.

Builders Try to Spruce Up Buyers' Credit Some home builders are implementing credit-coaching programs to jump-start housing sales, says the Real Estate Adviser.

Fed Throws $800 Billion Lifeline to Consumers Government will purchase more mortgages, offer backing for loans.

Home Prices Post Record Decline Reduction in third quarter is largest on record.

Store Credit Card a Good Deal? At a department store checkout, you're often asked if you want a store credit card. Is it worth the instant discount?

Banks Increase Direct Marketing Spending Budget cuts, bad economy haven't stopped flood of advertising mail.

Cheap Oil May Be Economic Stimulus Ebb and flow of markets may provide relief people seek.

Stock Swoon Creates a Chance to 'Buy Low' The stock market's recent struggles may make now the perfect time to "buy low" and reap rewards later.

Weekly Interest Rate Roundup Here are the latest interest rates and commentary on five common consumer banking products.

Agencies Unlikely to Swap Car Loans Because car loans typically are not assumable, agencies are unlikely to offer a driver a swap.

Fannie Mae and Freddie Mac Suspend Foreclosures Mortgage giants will give homeowners a break for holiday season.

Americans Tap Savings to Cope with Economy Experts advise other measures before depleting nest eggs.

Bankruptcy "Reform" Fails to Deliver Tough new laws don't prevent rich or poor from filing.

Illinois Sues Seven Companies for Mortgage Rescue Fraud Attorney General warns against scams targeting homeowners in trouble.

Another Glimmer of Hope in The Housing Market Home sales rise five percent in the Sunshine State.

Paulson Rejects Bailout Money for Detroit Treasury head says automakers should get help from other sources.

Buyers' Beware Market Get to know yourself as a homebuyer before committing to any deal.

Economists' Panel Sees Prolonged Recession Roundtable predicts unemployment will rise to 7.5 percent

Keeping Your Health Insurance When You're Unemployed Recession also means many people will lack coverage.

FDIC Backs More Aggressive Loan Modification Plan Agency breaks with Bush administration over helping homeowners.

Democrats May Shelve Mandatory Arbitration New Congress, White House may clamp down on contract clauses.

Obama Can't Quickly Raise Homebuyers' Hopes Prospective buyers unsure if this is their moment.

Upper-Income Taxpayers Seeking Shelter Obama eyes Bush tax cuts, likely to increase high-bracket tax rate and capital gains tax.

Car Dealers On the Brink Thousands of dealers may fail as credit dries up.

Jobless Rate Spikes in October 240,000 jobs lost; Unemployment at 6.5 percent.

Gasoline Prices Down 19 Cents in a Week National average down to $2.31.

Bankruptcy Filings Top 100,000 in October 20 percent increase from September.

California Busts Foreclosure Scam Ring Fake "mortgage rescuers" wanted upfront fees for nonexistent services.

For 401(k) Investors, Fewer Choices May Be Better Too many options can lead to overinvestment in stock.

Business Economists See More Signs of Recession New survey tracks declining demand for goods and services.

New Jersey Sues Credit Repair Agencies Restraining order filed over deceptive practices and failed promises.

At Last: Bailout Trickling Down to Struggling Homeowners FDIC chair's plan would rescue homeowners on the brink of default.

Free Money Is Often Neither 'Free' online searches may produce little and often aren't free.

What's Ahead For the Economy? Expert predicts tough year in 2009, but improvement soon to follow.

"Flawed" 401(k) Laws Putting Retirement at Risk Defined-contribution plans not meant to replace pensions.

Checking Account Fees Set Records in 2008 ATM surcharges, bounced check fees, monthly service charges all up.

New Home Sales Rise in September Another sign of a shifting market.

Is Bankruptcy Your Personal Bailout? Bankruptcy on the rise but the choice can have serious consequences.

How to Appeal Your Property Tax Bill Make sure you're not paying more than your house is worth.

Feds Issue New Identity Theft Recommendations But delay enforcement of "red flags" fraud program for businesses.

Bankers See Recovery in Second Half of 2009 Recession is underway, but signs show turnaround beginning next year.

Florida Sues Foreclosure Rescue Company for Deceptive Practices "Debt mitigation" firm falsely claimed it could solve mortgage problems.

Southern California Home Sales Surge 65 Percent in September A blip on the radar or a sign of things to come?

Baby Boomers Scramble to Reassess Future What to do when your retirement disappears before your eyes.

Finding a Job Takes Longer in Slow Economy But long-term predictions say things will turn around.

HOEPA: New Hope for Outlawing Abusive Mortgages Another new law that may do more to help homeowners in trouble.

What's Your Recession Game Plan? Economists offer tips for consumers and businesses to weather the storm.

Study Finds Racial Disparity in Retirement Savings Blacks save less overall than whites, contribute less to plans.

FDIC Chief: Not Enough Help for Homeowners Bailout plan props up institutions but not consumers.

Retirement Postponed for More Americans What older workers can do to find employment in uncertain times.

Study Blames Lenders, Not Borrowers for Mortgage Mess Homeowners more likely to default with subprime loans.

Wall Street Leaders Missing In Action Government must take the lead to get economy back on track.

Hots For Housing Boosted The Bust Consumers' compulsive behavior over housing market contributed to crisis.

Bailout Plan Tweaked for Banks Paulson reworks efforts to inject funds directly into markets.

Economic Worry Supplants Terrorism Fear Presidential candidates and business leaders get low marks from survey.

Mortgage Rescue Fraud Schemes On The Rise Scam artists charge large upfront fees, often strip homeowners' equity.

The States Take On the Housing Crisis "Think globally, act locally" may be key to helping homeowners out of foreclosure.

Gas Prices Head Lower as Economy Slows Nationwide average drops 30 cents a gallon in last month.

Long-Term Mortgage Rates Drop 30-year fixed loan hits 5.94 percent.

West Virginia Sues CashCall Attorney General slams Internet lender for predatory interest rates.

Global Auto Market Faces "Outright Collapse" in 2009 Sales recovery not expected until at least 2010.

Financial Meltdown Takes Toll on Consumer Confidence Major drop comes after equally dramatic upswing.

Shopping Mall Traffic Down Sharply Presidential election, financial meltdown keep buyers at home.

Economic Turnaround Will Take Time Major stimulus measures won't take effect overnight, analysts say.

Pending Home Sales Perk Up in August Falling prices, distress sales may be cause of uptick.