Military Homeowner’s Assistance Program
October 11, 2009 – Lost money selling your home? In the military? HAP (Homeowner’s Assistance Program) can help ease your money woes if you qualify. Katie Savant, deputy director of government relations with the National Military Families Association in Alexandria, Virginia, lays out what HAP covers—the who, what, when & why. Get the facts. Listen now.
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Fueling Fair Practices: A Road Map to Improved Public Policy for Used Car Sales and Financing
October 11, 2009 – Ever get ripped off buying and financing a used vehicle? John Van Alst, an attorney at the National Consumer Law Center in Boston, tells what is needed to provide better consumer protection.
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Individual Development Accounts (IDA) – A Savings Account for You?
October 11, 2009 – Leigh Tivol, senior program manager with CFED – Expanding Economic Opportunity—in Washington, DC, explains what an IDA is, how you qualify for an IDA, and how you can start saving now.
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Coping With Change When Your Spouse Dies
October 11, 2009 – It will be easier to get your documents together before you need them. How many copies of a death certificate do you need? How do you apply for benefits to create cash flow? Susan Tiffany, director of personal finance information for adults in the Center for Personal Finance with the Credit Union National Association (CUNA), has the answers and delivers practical advice on which you can depend.
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Your Questions Answered
October 11, 2009 – Money Smart Things to Do With Your Income Tax Refund; Identity Theft; Three Ways to Waste Money on a Car
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Financial Planning Week: It’s Important to You & Your Family:
October 4, 2009 - This week--financial planning week--take some time to address a financial issue. It can be paying off debt, starting a new savings program for a child’s education or reviewing an existing savings program, such as saving for your retirement. Take small bites and listen to how and why you should continue to tackle personal finance tasks. Ken McDonnell has a short list of financial management strategies that will help you get your bucks in a row! Ken is program director of the Employee Benefit Research Institute and American Savings Education Council in Washington, DC.
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I Will Teach You to Be Rich:
October 4, 2009 - Sounds like hype – a “come on,” doesn’t it? But, it got your attention, which was the plan. Ramit Sethi shares sound, common sense, personal finance advice. Forget about saving on lattes – this book will save you thousands using a step-by-step 6-week program. A completely practical approach delivered with a nonjudgmental style that makes readers want to do what Sethi says, it is based around the four pillars of personal finance— banking, saving, budgeting, and investing—and the wealth-building ideas of personal entrepreneurship. Ramit is the founder and writer of Iwillteachyoutoberich.com. Filene Research Institute Chef Research Officer George Hofheimer praises I Will Teach You to Be Rich, stating, “Ramit demystifies complex concepts with wit and an expert understanding of finances. Not only is this book informative, it’s fun and includes fresh tips that will help anyone master their finances.”
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Technology Trends at Your Credit Union:
October 4, 2009 - We can barely keep up on the latest technology developments in our personal lives – cloud computing, virtualization, notebook/netbook adoption, open source software, online social networking. There are also technology trends taking place at your credit union that will make transactions and your personal finance experience better, faster, and more efficient. Kathy Herziger-Snider is the vice president of product development for CO-OP Financial Services in Rancho Cucamonga, California. Join Kathy and host Paul Berry for a lively discussion of technology trends and what they mean to you, your family, and your finances.
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Payday Lending, Usury Laws, and Statutory Sleight of Hand:
October 4, 2009 - Ah, yes, the statutory 3-card Monty! A recent study conducted by Christopher Peterson, associate dean for academic affairs & professor of law, S.J. Quinney College of Law, University of Utah, in Salt Lake City, Utah, produced three major findings: (1) usury law has become more lax; (2) usury law has become more polarized; and, (3) usury law has become more misleading. These findings suggest that the numeric language in current state usury statutes is not chosen because it helpfully describes some expectation of commercial behavior. That, ladies and gentlemen translates into state legislatures using small, innocuous numbers in usury law because they are attempting to minimize the public and media outcry over their decision to legalize triple digit interest rate consumer loans. Yes, triple-digit! You don’t think your state legislature wants you to know that they allow payday lenders to charge you 300, 400, 500% for what typically are small emergency loans? A revealing interview you won’t want to miss.
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Consumer Resources On Line at the Federal Citizen Information Center :
September 27, 2009 - You’ve seen it on television a million times—“to get this free booklet, write to Federal Information Center, Pueblo, Colorado.” You still can is you don’t have Internet access. But, Teresa Nasif, director, of the U.S. General Services Administration’s Federal Citizen Information Center in Washington, DC, says there is a plethora of information on line: pre-purchase buying tips; resolving consumer problems and sample complaint letters; a directory of hundreds of government and corporate contacts. The site will help you save and protect your money, too-- highlights frauds and scams that can take your money; provides important questions to ask before you make big purchases so you can get the most for your money; encourages you to research interest rates and get estimates so you can get the best deal. There’s so much more! Use it—you paid for it!
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10 Things You Need to Know About Auto Insurance for Military Personnel:
September 27, 2009 - – Servicemembers have special auto insurance needs, according to guest Ethan Ewing. These needs range from vehicles that must be stored while the owner is away on active duty, to vehicles originally registered and insured in one state and then taken to another state for service orders. Ethan is president of Bills dot com, a free one-stop portal where consumers can educate themselves about personal finance issues. Ethan presents insurance facts so you can be sure you understand how to stay within the law and get the best coverage when you're insuring your vehicle. Much of this discussion will provide auto insurance info to us regular Joes, as well as G.I. Joes. Give it a listen.
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Non-Sufficient Funds Fees & Overdraft Protection Programs at Military Financial Institutions:
September 27, 2009 - Marocco Roberts is the U.S. Army banking and credit union liaison officer, and is assigned to the Pentagon. He is also the principal advisor to the assistant secretary of the Army (financial management & comptroller). Education enhances the financial readiness posture of our soldiers and their families. The Army, and on-base financial institutions, has programs in place to educate our soldiers and make them more aware of non-sufficient funds and over-draft protection. Marocco also details alternatives our soldiers can pursue with their on-base financial institutions to help them through financially difficult times and steps soldiers, and general consumers, should take when establishing their accounts to ensure they understand all the specifics of their financial products and services.
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AARP Tax-Aide: Tax Help for the Elderly:
September 27, 2009 - There is plenty of FREE tax preparation assistance available to both the elderly and people with low-to-moderate incomes. Bonnie Speedy is the national director of AARP Tax-Aide and vice president of the AARP Foundation in Washington, DC. AARP has worked with the Internal Revenue Service to train volunteer tax preparers and if you’d like to be one, you’ll find out how you can help in this interview. There are plenty of other ways you can help at the 65,000 tax preparation centers you will find all across America in local community centers and similar facilities—you can greet people as they enter, help them sign in, answer non-tax related questions—all kinds of jobs that will make this service a pleasant experience for those seeking help. Do you need help preparing your taxes or those of an elderly, infirm, or non-English speaking relative? Bonnie covers plenty of ground in this interview—how to volunteer and how to get help.
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Save to Win and Prize-linked Savings Programs: Is This the Incentive You Need? :
September 27, 2009 - Personal savings rates in the U.S. have dropped from a 1988 high of around 11% to almost zero in 2006. Saving is not an easy discipline for everyone. The Wall Street Journal’s Jason Zweig recently wrote, “If we are to become a nation of savers again, we need more innovations like "Save to Win," a Michigan program that's a cross between a CD and a raffle ticket.” Chris Day is senior vice president of marketing at Nu-Union Credit Union in Lansing, Michigan. Nu-Union bet on “Save to Win” and Chris and host Paul Berry discuss how it is paying off.
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Is Fear Stopping You From Making Financial Decisions? :
September 20, 2009 - You’ve been touched by the recession and feel like a deer caught in the headlights. You don’t know what to do, so you do nothing. Fear is keeping you from making wise money choices. Laura Rowley is a Yahoo! Finance columnist and author of Money & Happiness: A Guide to Living the Good Life. She discusses recent survey findings and suggests how to avoid money missteps.
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10 Ways to Save on Health Care.:
September 20, 2009 - “While legislators look for a way to make health care more affordable for all, paying for medical care is in your own hands. By knowing how to save, you can make a difference in the cost of care for you and your family," says guest Ethan Ewing, president of Bills.com, headquartered in San Mateo, California. Don’t skip this interview. You’ll miss how to save on medicine, get a discount from your physician, read a medical bill to catch errors, avoid the Medicare “doughnut hole” and more.
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Are You Responsible for Your Deceased Relative's Debts? :
September 20, 2009 - Your brother ate, drank and was merry; and he quite merrily charged everything. He ate and drank himself into an early grave and now debt collectors are after his next of kin to make good on his debts. That’s YOU! Should it be? Quisaira Whitney, an attorney with the Federal Trade Commission in Washington, DC, discusses the rights of surviving relatives and the extent to which they are covered by the fair debt collection practices act.
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Extreme Frugality: Can You Handle It? :
September 20, 2009 - Karen McCall is the founder and president of the Financial Recovery Institute in San Francisco. She discusses the growing trend of extreme frugality, in which participants go to what some people might consider severe or excessive lengths to live more simply. Can you handle extreme frugality? Some pros and cons in Karen’s interview.
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Groupon: What Is It And How Does It Work? :
September 13, 2009 - This shopping website offers a daily deal on the best local goods, services, events, and culture in 20 cities so far. Groupon negotiates deals with top businesses through its new spin on e-commerce: collective buying. On Groupon, deals are only activated if a minimum number of people agree to buy. Guest Andrew Mason, founder and CEO of Groupon.com says, “By guaranteeing businesses a large number of new customers, Groupon creates a win-win for local merchants and consumers.” What will they think of next?
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Hurricane Season: Homeowner’s Insurance & Catastrophes:
September 13, 2009 - What do you do when your roof is blowin’ in the wind? The answer, my friend, can be found in this interview with Michael Barry, vice president – media relations, with the Insurance Information Institute in New York City. What are hurricane/windstorm deductibles (in some coastal states, homeowner insurers impose deductibles of 1 to 5 percent to spread the risk with policyholders in hurricane prone states)? What does a typical homeowner’s insurance policy cover? Not floods; think again! No matter where you live, you’ll want to hear this interview—be prepared. Michael also shares information on how you can save money on homeowner’s insurance.
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How to Avoid Auto Warranty Scams:
September 13, 2009 - Steven Baker is the director of the Midwest Region Federal Trade Commission Office in Chicago. He’s the good guy. The bad guy is the one that keeps mailing you notices that your auto warranty has expired and you need to buy a new one. The bad guy uses robo-calls that interrupt your dinner with the same message. The bad guy uses high-pressure tactics to hide his true motive—he wants your money! Good guy Steve says legitimate companies put information in writing and give you time to check with your auto dealer, read your car’s manual, and check them out before asking you to commit to a purchase. Good guy Steve shares more good information in this interview; don’t get taken for a ride.
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The BBB Goes ABC: New Grading System Helps Consumers:
September 13, 2009 - The Better Business Bureau is a source of information all of us should use, especially when we are about to do business with a company we know little about. Steve Cox, president and CEO of the Council of Better Business Bureaus in Arlington, Virginia, joined us to describe a new and easier to understand grading system that will help us decide whether we want to do business with any company or service the BBB has evaluated. It’s now as simple as A, B, C.
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Your Questions Answered:
September 13, 2009 - How to identify a “secure” web site; monitoring accounts for identity theft; saving money on groceries
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REBROADCAST OF EARLIER SHOW

Gadgets That Help You Use and Conserve Water Wisely:
September 6, 2009 - Every day, on average, Americans use a total of 40 billion gallons of fresh water. Around the house, up to 70 percent of that water is used on our landscapes. That’s why saving water outside the home is as important as it is inside. Partners of the Water—Use It Wisely Coalition provide consumer education on the judicious use of this precious resource. Guest Stacy Bass, the utilities department public relations officer, and manager of education and outreach programs, for the City of Mesa, Arizona discusses gadgets that help keep your yard looking good while conserving water.
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Saving for College:
September 6, 2009 - High school graduates can expect to earn an average of $1.2 million over a lifetime of work, while someone with a bachelor’s degree will average $2.1 million–$900,000 more. Give your child a leg up; start saving for his or her college education sooner than later. Jason Alderman, director of issues management, with Visa USA in San Francisco, California, presents the many savings options available. Options are many and varied—from a 529 qualified state tuition plan, to the Coverdell Education Savings Account, to filing for scholarships, low-income grants and merit-based assistance.
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The Secrets of Money: A Guide for Everyone on Practical Financial Literacy:
September 6, 2009 - This “encyclopedia of finance” is one tool to combat the "Financial Illiteracy Epidemic" sweeping the nation. Guest Braun Mincher, an entrepreneur and author, from Ft. Collins, Colorado, designed this book for anyone to improve their financial IQ and get the most out of every dollar they make. There is also an on line financial literacy quiz to help you determine your current financial literacy using questions that can easily be answered after reading the book.
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Discarded Computer Retaliates Against Former Owner for Coffee Spill—Gives Up Personal Finance Information to I.D. Thief. Don’t Let This Happen to You:
September 6, 2009 - Jim Stickley, founder, chief technical officer and vice president of engineering for Trace Security in San Diego, California, warns, “Be aware of the risks of throwing away and donating your computer.” Just because a file was deleted doesn’t mean that it’s truly gone. Identity thieves buy pallets of used computers at auctions for very little money and monitor Ebay for used computers. If you have used your computer for online banking or accounting, guard that hard drive at all costs. Find out how in this interview.
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Host Paul Berry Answers Your Questions:
September 6, 2009 - Simple ways to save gas; laddering certificates of deposit; selecting a credit counselor
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REBROADCAST OF EARLIER SHOW

Perfect Storm for Identity Theft Brewing: Worst Data Breach Yet to Come
August 30, 2009 – Adam Levin, chairman of IDentityTheft 911.com and former director of the New Jersey Division of Consumer Affairs, warns of the factors coming together to create a perfect storm for an upsurge in identity theft. Bottom line? We ain’t seen nothin’ yet!
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MatchSavings.org
August 30, 2009 – MatchSavings.org lets you match the savings of someone living in poverty. You choose who to help meet their savings goal and choose to match their savings toward housing, education or a business. Janette Klaehn, vice president of communications with the World Council of Credit Unions (WOCCU) in Madison, Wisc. tells you how MatchSavings.org differs from other microfinancing initiatives and why you should sign on to MatchSavings.org.
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Your Questions Answered
August 30, 2009 – What’s in the stimulus package for YOU; credit card repayment solutions
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Don’t Forget to Sing in the Lifeboats
July 26, 2009 - Uncommon times call for uncommon wisdom. Brother and sister writing team, and inveterate collectors of quotations, Kathryn and Ross Petras’s new book is Don’t Forget To Sing In The Lifeboats: 342 Other Bits Of Uncommon Wisdom For Uncommon Times. It's inspiring to hear from people who've graduated from the school of hard knocks, yet kept a sense of humor. People who've been there, done that, and refuse to sugar coat what they've learned. All with a special twist for Home & Family Finance: "Why is there so much month left at the end of the money?"---John Barrymore "October. This is one of the peculiarly dangerous months to speculate in stocks. The others are July, January, September, April, November, May, March, June, December, August, and February."—Mark Twain. Available on line and at booksellers everywhere.
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Consumers Eating Healthier, Saving Money During Recession: Healthy Eating On a Budget
July 26, 2009 - Best known for his work in the area of food trends, Phil Lempert has tracked consumer behaviors and evolving markets for 25 years. Phil is the food trends editor and correspondent for NBC’s Today show. He founded Supermarketguru.com, now one of the leading food and health resources on the internet and visited by more than 9 million people annually. His Lempert Report is a videocast that focuses on the latest consumer trends and rates the latest new products. Find out how consumers are faring with the cost of food and healthy eating during this economic recession in a recent Lempert Report, which reports results of a survey conducted by Supermarketguru.com. Phil’s new PBS series “Food Sense,” airing in 2010, focuses on consumer food trends and sustainability.
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How Credit Unions Help the Financially Underserved
July 26, 2009 - Who are the financially underserved and unbanked? How many people are underserved and why are they neglected? What are the ramifications of being unbanked or underserved by financial institutions? Carolyn Lane, senior vice president of business development and marketing with CO-OP Financial Services in Rancho Cucamonga, California, says credit unions and credit union service organizations, or CUSOs, are taking the lead in meeting the financial needs of those traditionally ignored and neglected. In this lively discussion with host Paul Berry, Caroline explains the measures credit unions and CUSOs are taking to reach out and provide services to these members of our communities.
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Credit Reports, Credit Scores and More: What You Need to Know Amid 2009 Legislation and Economy
July 26, 2009 - Brad Stroh is founder and co-CEO of Bills.com and its partner company, Freedom Financial Network. Bills.com is a free one-stop online portal where consumers can educate themselves about complex personal finance issues andcomparison shop for products and services including credit cards, debt relief assistance, insurance, mortgages and other loans. The credit crisis, the downward economic spiral, the cry for increased oversight and accountability in all things financial, has resulted in several federal laws being passed. What impact has credit card legislation had on credit scores? Banks closed credit card accounts and lowered credit limits on others; consumers’ credit scores were affected and it became harder to obtain credit. The way credit scores are calculated changed with FICO 08, making it more difficult to receive an “Excellent” credit score. Brad discusses credit trends, what you can do to improve your credit score and whether a “credit repair” service is right for your needs
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Your Questions Answered:
July 26, 2009 - Scams by fake charities; your liability with a lost or stolen debit card; how to lower the cost of your auto insurance; and buying foreclosed property
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The Difference: Traits and Habits of Those Who Moved From the Lowest Economic Strata to the Highest and How You Can, Too.
July 12, 2009 - Jean Chatzky is the financial editor for NBC’s Today show, as well as a columnist, talk show host, and author. Her latest book, The Difference, asks, “Can you really start from nothing and become truly secure financially?” What’s the difference between you and Warren Buffett? Between you and your boss? Or between you and your successful neighbor? What do the financially comfortable have that you don’t? It’s not that those people were born into money, caught a lucky break, or have an Ivy League education. It’s not even that they are smarter than you or make more money than you do each year. So what do they have that you don’t . . . at least not yet? What’s The Difference? Jean shares the secrets her groundbreaking research of the self-made wealthy has uncovered so that anyone—yes, Y-O-U—can break through the barriers that stand between them and true financial freedom.
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The New GI Bill.
July 12, 2009 - Sean-Michael Green, author of Marching to College: Turning Military Experience into College Admissions, is an attorney, and dean of graduate and adult enrollment at Marist College in Poughkeepsie, New York. He is also veteran of the Marine Corps and took advantage of opportunities afforded him by an earlier version of the G.I. Bill. Now Sean-Michael is letting others know what benefits and programs are available in the latest G.I. Bill. Not only does he explain who’s eligible for money for education, but answers such questions as, “Can military personnel who are still serving on active duty use the bill; what is the Yellow Ribbon program; and what other money is available to servicemembers and veterans?
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Are You Worried About Your Financial Advisor?
July 12, 2009 - Your financial advisor might not be in the same league as Bernie Madoff, but even if something feels wrong or misleading that you don’t have hard evidence on, there are steps you can and should take, according to Diahann Lassus, chair of the National Association of Personal Financial Advisors. Start with your advisor and have them explain any discrepancies or oddities; if you aren’t reassured, make an appointment to meet with your advisor about your concerns. Don’t stop there is you smell something fishy; contact the advisors independent custodian and take it up the line to notifying the advisor’s broker dealer. To file a written complaint, see the contact information below in Additional Resources. Remember, this person works for you and is accountable to you. If you are unsatisfied, take action immediately
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U.S. Lags World in Paid Sick Days for Workers & Families: Are You at Greater Risk of Contracting Communicable Diseases?
July 12, 2009 - Flu season is just around the corner and we are still seeing many new cases of Swine Flu in the U.S. We have yet to experience a pandemic, but wouldn’t your paycheck take a hit with an outbreak of a communicable disease in your region alone? Dr. Jody Heymann, who is the director of the Institute for Health and Social Policy and professor of Epidemiology at McGill University in Montreal, Canada, conducted research that revealed just how behind the rest of the world the U.S. is in providing paid sick days for workers and their families. Do you want to go to work (maybe use public transportation) during an epidemic? If you could, wouldn’t it be nice to be able to work from home? If you have a “can’t do at home” job, you may feel that you must report to work to receive your usual amount of pay. It’s a dilemma tilting the scale that balances health and income.
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REBROADCAST OF EARLIER SHOW

Going Buggy? Hire a Pest Control Firm
July 5, 2009 - Which company is right for you, your home, and your creepy crawlies? We asked Greg Baumann, senior scientist and technical director with the National Pest Management Association, headquartered in Fairfax, Virginia. Greg suggests questions you should ask your potential pest control partner, what red flags to notice, and what to look for in a service contract. To the right is one of the carpenter bee that’s been drilling holes in the fascia of my home for a decade!
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Get Your Home Inspected
July 5, 2009 - It isn't just for home buyers. Even if you've owned your home for several years, having your house inspected may help you set future repair priorities and plan upgrades--and save money over the long run. Nick Gromicko, founder and director of public relations at the International Association of Certified Home Inspectors, in Boulder, Colorado, tells what should be checked and why.
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How to Hire a Home Improvement Contractor
July 5, 2009 - Guest Renee Rewiski, president of the National Association of the Remodeling Industry (NARI), in Des Plaines, Illinois, presents a virtual consumers’ guide to finding the right company, and the right people, for any job. The HOMEOWNERS section of the NARI website puts comprehensive information a mouse click away. The homeowner’s guide provides: a budget worksheet; how to find a professional remodeler; questions to ask potential remodelers or contractors; warning signs; reference questions; remodeling tips; and more.
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De-Clutter and Organize Your Home
July 5, 2009 - Do you hide when unexpected company arrives at your door? Do you dread entering the spare bedroom? Does it take you 5 minutes to find the right baking pan? Marcia Weuve owns Impact Solutionz: the Organizing Specialists, in Austin, Texas. Marcia has simple short tips and tasks to leave any home (even yours) in ship-shape condition.
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How to Zap Your Home Electricity Expense: Listener’s Best Money Management Tips
July 5, 2009 - Chris, from Pendleton, Oregon, has a truly fresh idea. He bought a $30 energy cost analyzer, which shows him current electricity use in his home—in kilowatts and dollars. In the two months he’s been using this monitor, his energy use has dropped 30%. He says, “When you see how much electricity you use in real time dollars and cents it makes it a good tool of persuasion to turn off the lights or investigate what appliances or fixtures are the most expensive to run.” Susan Tiffany, director of personal finance information for adults at the Credit Union National Association, and host Paul Berry discuss alternative ways to measure your electricity consumption and how to simply use less.
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Happy 35th Birthday, Barcode!:
June 28, 2009 - The barcode is poised for revolutionary additions to help consumers! Seriously! Blogging as Tightwad Tod, Tod Marks, senior editor of Consumer Reports, has the scoop and a look back at the early days of the dash, slash, dash, dash funny-looking lines that translate into product information. What is on the horizon for the barcode? What’s the connection with salmonella scares from produce of unknown origins? Will the barcode be akin to the micro-chip one day, and as we enter this world, will the obstetrician’s hand mark be joined by a barcode on our little bottoms?
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$8,000 Tax Credit for First Time Homebuyers:
June 28, 2009 - What a way to celebrate National Homeownership Month! Guest Jerry Howard, President and CEO of the National Association of Home Builders, says the government’s economic stimulus package contains a great deal for qualified homebuyers. First time homebuyers are eligible for a tax credit for 2009 home purchases! The news is exciting and presents a welcome shot in the arm.
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Operation False Charity:
June 28, 2009 - David Horn is a lawyer with the Federal Trade Commission (FTC), who sues companies that deceive consumers. This time it’s phony charities that appear to support (among others) veterans, firefighters, and other service providers – BUT DON’T! Recently, the FTC was joined by 49 states in bringing 76 actions against fraudulent solicitors nationwide. Don’t be fooled by “the pros;” listen to Dave’s warning signs, so you don’t throw away your hard-earned dollars on what you think is a good cause, but is only a ruse to steal your money.
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Surprise Travel Packages: Are Bundled Vacation Deals a Bargain? :
June 28, 2009 - If getting a good bargain on a vacation package is your goal, you will have to do some work. If money is no problem, have somebody do the work for you. Oh, you’re not in that group? Back to “do your homework.” Guest Sue Perry, deputy editor of ShopSmart, from the publishers of Consumer Reports, clues us in on steps you can take to find good value for your next trip. Many online companies combine airfare, hotels, rental cars, and other add-ons like spa services or golf outings. To get the best value in a bundled travel package, you need to: price it; comparison shop; consider the value of extras (transfers, golf outings, etc.); check the providers’ own sites; and visit DealBase.com. Why visit DealBase.com? We can’t tell you everything or you wouldn’t listen to the interview! We’ll tell you one thing: the tips in this interview will save you money.
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Your Questions Answered:
June 28, 2009 - Go green with your finances; money saving tips that keep your pet happy and healthy; senior discounts
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Crooks Don’t Take Vacations! Keep Your Credit Card & Personal Information Safe on Vacation:
June 21, 2009 - Summer is upon us and for many of us that means planning our annual trip or getaway. Traveling is exciting but it often leaves us vulnerable to our surroundings. Keeping track of where we use our credit card or what information we give to people while we are away is not always the first thing on our minds. Lyn Chitow Oakes, chief marketing officer with Trusted ID, tells what we should watch for on vacation and what to look out for when booking a trip online.
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Additional Resources:

Credit Card Repayment Relief: New Terms Offer Better Options for Consumers:
June 21, 2009 - Buyer beware. Based on the column in SmartMoney, The Wall Street Journal Magazine, this book, from Editor in Chief Jonathan Dahl, is packed with insider secrets and expert knowledge that show you how to take control and manage your money, your health, your material well-being. In all, it covers the top ten things they won’t tell you, covering 100 businesses and professions that readers interact with daily. What is it they don’t want you to know? Nursing homes: We're careless about the drugs we give out. Veterinarians: Vaccinating your pet may do more harm than good. Tax preparers: What are my qualifications? Well, I'm real good at Sudoku. Cruise lines: Our engines break down all the time. Plastic surgeons: I trained a whole weekend to learn this procedure. In addition to outlining exactly what you don’t know, but need to, it arms you with insights, tips, and techniques to make each of you a savvier, smarter consumer.
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Job Loss and What It Means to Your 401 (k):
June 21, 2009 - With so many companies announcing job cuts or bankruptcy filings, as an employee, you are probably wondering what will happen to your retirement plan and if you can use it for a source of income if you lose your job. Jordan Amin, representing the American Institute of Certified Public Accountants, and a senior manager in the Tax Department of Amper, Politziner & Mattia, talks cost, bankruptcy (your company or YOU), and tax consequences of withdrawing from your 401 (k) plan. If you don’t know something about “hardship distributions,” you need to hear this important interview.
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21st Century Transportation for a 21st Century America :
June 21, 2009 - THow’s your daily commute? On many of the nation’s highways, the trip to work and back has become a stop-and-go, 15 mile per hour nightmare. Transportation affects us all - drivers, cyclists, walkers, the young, the old, big city dwellers and small town neighbors. Whether you ride the train or brave the traffic, building stronger, safer communities starts with smart transportation investment. But, plainly, does your commute suck? Well, then, there’s a web site you’ll appreciate at www.mycommutesucks.org. David Goldberg, is with Transportation for America, a broad coalition of housing, environmental, equal opportunity, public health, urban planning, transportation and other organizations focused on creating a 21st century national transportation program. Right now Congress is writing a new transportation bill that will shape our communities for generations. Now's your chance to make sure they finally get it right. Visit the sites noted in David’s interview and take action for a better tomorrow.
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Additional Resources:

My Commute Sucks

Your Questions Answered:
June 21, 2009 - What to do if your company stops matching contributions to your 401 (k); disability insurance for single people; what to consider if you owe more on your home than it’s worth
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Power Through Credit Card Debt:
June 14, 2009 - Get rid of your credit card debt as quickly and efficiently as you can. Every day costs you more money. Susan Tiffany, director of personal finance information for adults with the Credit Union National Association (CUNA), tells how you can slash through your debt to get on the road to financial freedom.
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1,001 Things They Won’t Tell You: An Insider’s Guide to Spending, Saving and Living Wisely:
June 14, 2009 - Buyer beware. Based on the column in SmartMoney, The Wall Street Journal Magazine, this book, from Editor in Chief Jonathan Dahl, is packed with insider secrets and expert knowledge that show you how to take control and manage your money, your health, your material well-being. In all, it covers the top ten things they won’t tell you, covering 100 businesses and professions that readers interact with daily. What is it they don’t want you to know? Nursing homes: We're careless about the drugs we give out. Veterinarians: Vaccinating your pet may do more harm than good. Tax preparers: What are my qualifications? Well, I'm real good at Sudoku. Cruise lines: Our engines break down all the time. Plastic surgeons: I trained a whole weekend to learn this procedure. In addition to outlining exactly what you don’t know, but need to, it arms you with insights, tips, and techniques to make each of you a savvier, smarter consumer.
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Provisions of the Credit Card Act of 2009:
June 14, 2009 - “When President Obama signed the Credit Card Act of 2009 in May, it was the most sweeping change to hit the industry since the first 60,000 credit cards were dropped in California mailboxes 50 years ago.” The changes go into effect in seven months. Pamela Banks, who is a policy attorney with Consumers Union’s Washington, DC office, talks about what is in the new law and the changes you can expect to see from your credit card provider.
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Sweeping Change In Credit Card Rules: How They Affect You:
June 14, 2009 - The most significant changes EVER to hit the credit card industry go into effect in a matter of months. What does that mean to you and for your future business relationship with your credit card provider? Adam Levin, founder and chairman of Credit.com, shares his knowledge and insights with host Paul Berry in this lively conversation you won’t want to miss—after all, don’t you want to know that something is getting better for you in the world of finance?
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Your Questions Answered:
June 14, 2009 - Auto Insurance Coverage; Erase Your Debt & Debt Settlement Scams; and Medicare & Nursing Home Stays
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Are We There Yet? Are We There Yet? Are We . . .Fuel Efficiency Tips for Your Summer Road Trip:
June 7, 2009 - Find out how many hundreds of dollars you can save at the gas pump by taking a quick quiz on the interactive website, www.drivesmarterchallenge.org. Kateri Callahan, president of the Alliance to Save Energy in Washington, DC, has great tips for planning your trip, maintenance tips and smart tips during your trip.
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Making the Golden Years Golden: Sources of Information to Guide You In Making the Right Decisions for Living Better, Healthier, Independently, and Stress Free :
June 7, 2009 - Practicing in New York, Dr. Eva Mor, an epidemiologist and specialist in gerontology and health-care management, has a comprehensive guide to aging well. Her new book, and her web site, has a very useful state-by-state list of agencies and organizations that provide assistance over a broad spectrum of needs. Care givers will also find this a helpful resource.
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The Spy in Your SmartPhone:
June 7, 2009 - George Orwell may not have dreamed this one! Yes, a SPY! And your SmartPhone (BlackBerry, etc) service provider is in cahoots with marketers and ad agencies to find out as much as possible as they can about you with every key you strike, phone call you make, and web site you visit. Why? To customize ads and messages you receive, based on the data they have stored on you. Worried about your privacy? Feel vulnerable? Thinking, “What other reasons might any organization or company have in the future to develop a file on me based on who I talk to or what I look for on the Internet?” Well, geez, seriously, do you think that’s really a problem? Amina Fazlullah, a staff attorney specializing in media, technology, and digital consumer rights at the U.S. PIRG (Public Interest Research Group) in Washington, DC, thinks there is plenty to be concerned about. U.S. PIRG and other consumer advocate organizations are asking the government for increased oversight and disclosure of the uses of data mining.
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There’s Another Bernie Madoff After YOUR $$! Recession Puts You at Increased Risk of Being Duped by Pyramid/Ponzi Schemes:
June 7, 2009 - Sad, but true, crooks don’t lose their jobs, but maybe you have. Perhaps you have lost money in stocks, the value of your home has plummeted or you find it harder and harder to meet your financial obligations. What you need is more money. Well, hello “Work from Home” deal! Think you can spot a scam or have you just been offered a legitimate multi-level marketing job? Sally Greenberg, the executive director of the National Consumers League in Washington DC, shares tips on what you should look for and who you should contact if you’ve been approached to join, or have lost money to, a pyramid scheme. There’s more you won’t want to miss. Don’t let desperate times lead you make desperate decisions about your money; that’s what the wolves at your door count on.
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Your Questions Answered:
June 7, 2009 - - Roof-top luggage carriers and gas mileage; income tax and your 401(k) contributions; and Fannie or Freddie—do they hold your mortgage?
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REBROADCAST OF EARLIER SHOW

Five Tips If You Are Falling Behind On Car Payments:
May 31, 2009 - Times are tough and budgets feel the squeeze of higher prices for such things as food and gasoline. Surveys show pay increases have not kept pace with rising costs. If you’ve been robbing Peter to pay Paul, and have trouble making your monthly car note, guest Eric Hoffman, a spokesman for AWARE (Americans Well-informed on Automobile Retailing Economics) in Washington, DC, has solid advice that will help you keep your wheels.
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Intergenerational Wealth Planning: New Ways to Handle an Age Old Process:
May 31, 2009 - Estate planners and finance managers are using technology more frequently to convey clients’ wishes, messages and intent to their heirs. Videotaping the clients’ message is one tool guest Eric Aanes, founder and president of Titus Wealth Management in San Mateo and Larkspur, California, employs. Tape makes sure nothing is lost in its delivery and this personal message often has a profound impact on those who receive it.
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Financial Fitness: More Than a Good Credit Score:
May 31, 2009 - The median amount of credit card debt individuals carry is $6,600 -- or 14 percent of the U.S. median household income of $48,200 in 2006. Total U.S. consumer debt stands at $2,558 trillion dollars. In march (the most recent data available), the personal saving rate in the United States was 0.2 percent of income -- a figure that easily could be negative if saving was financed by borrowing. Guest Brad Stroh, co-founder and CEO of Bills.com in San Mateo, California, says Americans' collective financial IQ is low, but individuals are starting to take responsibility for their financial future. Brad contends we're moving beyond just the credit score to deeper knowledge and encourages consumers to continue using the right financial practices.
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10 Techniques to Manage Your Personal Cost of Living:
May 31, 2009 - “We are totally in charge of our ''personal price index'', states Kathy Kristof, senior writer, Los Angeles Times. Kathy shares 10 easy steps to improve your personal cost of living. Among these: appeal your property tax; shop for life insurance; and use reward cards. That’s only three suggestions, so you’ll want to listen to the others. Kathy Kristof’s personal finance column appears in more than 50 major newspapers (she was chosen to replace the legendary Sylvia Porter). Kathy is also the author of Investing 101, released just this past week
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Your Email Questions Answered:
May 31, 2009 - Summer travel and identity theft; filing for bankruptcy—other choices: Your Questions Answered
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SPECIAL MEMORIAL DAY SHOW

Memorial Day
May 24, 2009 - Memorial Day stands for more than baseball, bar-b-ques, and the unofficial start of summer. It is the day on which Americans honor the men and women of our Armed Forces who have died protecting our country and its liberties. Tim Holbert, program director of the American Veterans Center in Arlington, Virginia joins host Paul Berry to talk about the National Memorial Day Parade, absent for 70 years, in Washington, DC.
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Department of Defense Financial Challenge Road Show
May 24, 2009 - The Department of Defense developed the Financial Challenge Road Shows to support military installations’ existing personal financial programs by educating and providing additional resources for all military members and families to improve their financial readiness. Two guests described the programs, goals, curriculum and outcomes with host Paul Berry: Arty Arteaga, president, Defense Credit Unions Council, Washington, DC; and U.S. Navy Commander David A. Julian, CDR OSD PR, director of the office of Personal Finance and Transition, Department of Defense, the Pentagon, Arlington, Virginia.
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Money and Mobility a Publication for Military Personnel and Families
May 24, 2009 - The FINRA Foundation conducts a series of innovative programs to expand the saving and investing knowledge of military servicemembers and their spouses. Money and Mobility is a resource especially helpful to military servicemembers in making smart financial choices during a Permanent Change of Station (PCS) move. Money and Mobility information is online, hard copies can be found on military bases or you can email guest John Gannon, senior vice president for investor education and president of the FINRA Investor Education Foundation with the Financial Industry Regulatory Authority (FINRA), in Washington, DC, for a copy at john.gannon@finra.org
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Troops Against Predatory Scams (TAP$).
May 24, 2009 - If you have ever seen a military base in the U.S., you will notice that situated in the same neighborhood are pay day lenders, check cashers, rent-to-own stores, car title lenders, and other businesses often described as predatory in their practices. Did you know that our servicemembers are one of the prime targets of these companies that charge exorbitant interest rates? Andrew Roth, director of education and outreach with the California Department of Corporations, based in Sacramento, leads the education program TAP$, which provides investor protection information to military servicemembers, veterans and their families to help raise awareness about fraud and scams aimed at the military, such as these predatory lending practices. TAP$ works with other agencies across the nation, so similar services are available outside of California. Andrew explains the work of these groups and how you can find assistance.
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Questions & Answers
May 24, 2009
What you should know BEFORE signing a lease to rent a home; subscription magazine scams; and HELP! I bought too much car—what to do?
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TAPED BEFORE A LIVE AUDIENCE AT THE GEORGIA CREDIT UNION AFFILIATES ANNUAL CONFERENCE IN SAVANNAH

Build a Savings Plan That’s Right For YOU
May 17, 2009 - When you are not yet a saver, getting started can seem daunting. Even the simplest questions need answers before you take those first steps toward making saving a natural part of you life. Fortunately, Skye Tyler, the education coordinator of the Consumer Credit Counseling Service in Savannah, Georgia, has answers to: Why is it important to have savings? How much savings should I have? Where should I keep my savings? How can I save money when money is already tight? Her answers will help you take your first step toward building a savings plan that is right for you.
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What to Do If You Need Foreclosure Counseling or Debt Management and Credit Counseling
May 17, 2009 - “One of the first things to do is stop being embarrassed about needing help,” says John Willis, president of the Consumer Credit Counseling Service of Savannah, Georgia. To do nothing will not help. Do not pay anyone first (or “up front”) before they provide any service. It could be a scam to take what little money you do have. There are many organizations with free or low-cost help. The government has passed measures this year to provide assistance with foreclosure counseling. There are approved counseling services listed for your area on the site for the Department of Housing and Urban Development (HUD). John also sheds light on the differences between debt settlement and debt management services, the benefits of debt management programs and much more.
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Know These Signs of Foreclosure Rescue Scams and Credit Repair Scams
May 17, 2009 - – All together now, “If it sounds too good to be true . . .” The economic down-turn has made more people vulnerable to criminals who promise to save your home from foreclosure or improve your credit rating. They’re slick; they’re sweet-talkers. Don’t listen! They will have you pay them and you will get nothing—nothing—for your money. Michael Liggins, a senior investigator and computer fraud specialist with the Federal Trade Commission’s Atlanta, Georgia office, has heard and seen it all. Pay close attention to his advice in this discussion with host Paul Berry. Michael says there is much you can do for yourself when you know where the information is.
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Questions from audience
May 17, 2009
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Credit Unions: Alternatives to Banks
May 10, 2009 - If you don’t know how great credit unions are after you listen to this interview with Eric Porter, EVP Business Development and Marketing with Co-op Financial Services, listen one more time. These member-owned and governed, not-for-profit financial cooperatives have a lot going for them—great service, low to no fees, shared branching, check imaging, self-help kiosks, low to no fee ATMs. Eric will have you thanking your lucky stars that Filene made that trip to India!
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Personal Finance for Military Families Booklet
May 10, 2009 - A colorful cover design beckons, “Pick me up!” From there, the reader is hooked and rewarded with sound financial information on: strategies before deployment; financial fraud; investing for the future; smart home-buying tactics; transition back to civilian life; and much more. This booklet was written by Kim Lankford, author and contributing editor of Kiplinger’s Personal Finance Magazine and columnist for Kiplinger.com. It was also the project of Holly Petraeus, who heads up the Council of Better Business Bureaus’ BBB Military Line program. Both Kim and Holly are military spouses with firsthand knowledge of the financial strategies, rules and resources for military families that are often very different from those for civilians.
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Tax Credits for Homeowners Making Energy-Efficient Home Improvements Extended Through 2010
May 10, 2009 - Ronnie Kweller, the deputy director of Communications with the Alliance to Save Energy, in Washington, DC, knows if you’re going to take advantage of these tax credits, and make wise selections of energy saving home improvement items, you’ll need some time to shop around. After all, you want appliances or replacement windows that you’ll be happy with for many years. Don’t “buy in haste, regret at leisure.” What do you need to do to receive this tax credit, how much might you receive and what products are eligible? Ronnie explains that and more.
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Broadband: If You Build It, Will They Log On?
May 10, 2009 - Among the main reasons respondents to a 2008 Pew Internet and American Life Project survey gave for not subscribing to broadband were that service fees and computers were unaffordable and that respondents did not see Internet content as relevant to their lives. Investment in broadband has become part of the broader discussion about President Obama's economic stimulus package. How easy will it be to increase the pool of broadband subscribers or to encourage existing ones to upgrade their connection speeds? What can we say about the barriers individuals face in adopting broadband at home? Will this recession affect the growth of broadband use? John Horrigan, PhD, associate director for research for the Pew Internet & American Life Project, has studied broadband internet use and shares his findings and opinions with host Paul Berry.
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Questions from audience
May 10, 2009 - Ways older workers can recoup significant investment losses; Truth-in-Lending Statements; Universal Design for Homes
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SPECIAL HOME & FAMILY FINANCE RADIO SHOW FROM THE OHIO CREDIT UNION LEAGUE ZENITH 09 CONFERENCE

Teen Entrepreneurs Starting Businesses
May 3, 2009 - With unemployment on the rise, many adults are accepting jobs traditionally held by younger people, including teens. Teens are dusting off their thinking caps, rolling up their sleeves and starting niche businesses – everything from making and selling barrettes to selling web-page designs online. Laura Busque, outreach manager with the Ohio Credit Union League, discusses the growth and pitfalls of teen start-ups. There is an increase in resources for teens, including universities opening entrepreneur centers, and of course, the terrific Biz Kid$ program on PBS. It’s the fun, fast-paced program designed to entertain, engage, and elevate middle school students’ knowledge about money.
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Home Mortgage Foreclosures—What YOU Can Do
May 3, 2009 - Jim Rokakis, Cuyahoga County (Cleveland area) Treasurer, recognized the perils of predatory lending and took an early leadership role in combating the foreclosure crisis. Jim spearheaded passage of legislation to attack the issue on many fronts, streamlining the foreclosure process for abandoned properties, and creating a county land bank to facilitate economic and neighborhood development. He engaged in many similar endeavors and shared his perspective with host Paul Berry. Jim not only talked about the causes and development of the home mortgage debacle, he addressed what can be done going forward to make sure this crisis doesn’t happen again.
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Go Green--Save Money--Save the Planet
May 3, 2009 - Have you considered budgeting and tracking your energy usage. Bill Eger, energy manager in the Office of Sustainability with the City of Cleveland, has. In this interview, Bill will guide you through the process of conducting a do-it-yourself energy audit, how to save water and money, and why buying and eating locally is good for the consumer, the producer and the environment.
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Questions from audience
May 3, 2009
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COUPLES & MONEY – REBROADCAST FROM AN EARLIER DATE

Pre-Nuptial Agreements
April 26, 2009 - What’s in one? Do you need one? Do you want one? Katherine Stoner, author, educator, attorney and partner of Stoner-Welsh in Pacific Grove, California, covers this and the do’s and don’ts of writing a fair and lasting prenup.
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Divorce: Separating Your Lives AND Your Credit
April 26, 2009 - A divorce decree does not separate joint credit accounts. If your ex-partner then fails to pay, your credit history is damaged. So, what do you do and what do you do if the company won’t remove one party of responsibility? Difficult divorce and difficult ex? “If you start playing the spite game and running up charges to punish the other, both of you may suffer bad credit,” advises guest Maxine Sweet, vice president of public education with Experian, located in Allen, Texas.
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Military Couples and Personal Finance
April 26, 2009 - It’s probably even more important for military couples to have their finances in order than it is for civilian couples. Being financially responsible and maintaining a good credit rating is even more important for military personnel because it could affect security clearances – and your job. Military families move often and there is deployment to consider. All of this brings special considerations to bear: do you buy or rent, what about the spouse’s job, where do we turn for help? Karen Jowers, a staff writer for Military Times, talks about special pays and tax advantages, power of attorney, resources for military families, and more.
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Estate Planning
April 26, 2009 - If you're faced with wrapping up the affairs of a loved one who has died, you may feel overwhelmed by all the work ahead -- especially when you're grieving. But with the right legal and practical information, you can do it. Each couple needs separate wills, but are they expensive and do you have to hire a lawyer? Does all your property go through my will? What estate planning steps should we take? Do we need a trust and what about estate tax? Did you know that you can pass $2 million without incurring tax? It’s guest Mary Randolph’s job to know. She answers these important questions for any couple planning for the future needs of their loved ones. Mary is an attorney, author, and vice president of editorial, with NOLO, in Berkeley, California. NOLO is the nation's oldest provider of legal information for consumers and small businesses.
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Military Homeowner’s Assistance Program
April 19, 2009 – Lost money selling your home? In the military? HAP (Homeowner’s Assistance Program) can help ease your money woes if you qualify. Katie Savant, deputy director of government relations with the National Military Families Association in Alexandria, Virginia, lays out what HAP covers—the who, what, when & why. Get the facts. Listen now.
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Fueling Fair Practices: A Road Map to Improved Public Policy for Used Car Sales and Financing
April 19, 2009 – Ever get ripped off buying and financing a used vehicle? John Van Alst, an attorney at the National Consumer Law Center in Boston, tells what is needed to provide better consumer protection.
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Individual Development Accounts (IDA) – A Savings Account for You?
April 19, 2009 – Leigh Tivol, senior program manager with CFED – Expanding Economic Opportunity—in Washington, DC, explains what an IDA is, how you qualify for an IDA, and how you can start saving now.
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Coping With Change When Your Spouse Dies
April 19, 2009 – It will be easier to get your documents together before you need them. How many copies of a death certificate do you need? How do you apply for benefits to create cash flow? Susan Tiffany, director of personal finance information for adults in the Center for Personal Finance with the Credit Union National Association (CUNA), has the answers and delivers practical advice on which you can depend.
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Your Questions Answered
April 19, 2009 – Money Smart Things to Do With Your Income Tax Refund; Identity Theft; Three Ways to Waste Money on a Car
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REBROADCAST OF EARLIER SHOW

Think ‘Future’ When Starting a Business
April 12, 2009 – Why would anyone start a small business during a recession? Guest Susan Tiffany, director of personal finance information for adults in the Credit Union National Association Center for Personal Finance, says many people are looking for new opportunities now because they’ve lost a job or have a long-held dream to be a business owner. Either way, you have to start by asking yourself a lot of questions—and then be satisfied with the answers, if you’re going to make a go of it. The questions and answers may surprise you—is there a new business in your future?
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Sustainable Homeownership: Future Role of Government
April 12, 2009 – The Center for Responsible Lending (CRL) contends that today’s foreclosure epidemic resulted from the legal mass marketing of dangerous loan products and systematic overcharging of vulnerable consumers. The consequences are hurting everyone and the housing crisis has set the entire country back as we deal with the spillover effects of reduced property values, lost jobs, and devastated communities. Lisa Ransom is vice president of federal affairs with the CRL, joins host Paul Berry to discuss the role of government in sustainable homeownership.
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Low-Income and Minority Financial Services Concerns
April 12, 2009 – Free and low-cost credit counseling, often provided by non-profit organizations, can throw a life-line to people experiencing financial difficulties. Stephanie Bittner, consumer credit counselor, and NFCC National Foundation of Consumer Credit Counselor’s “Counselor of the Year, with the Consumer Credit Counseling Service of Delaware Valley near Philadelphia, discusses financial services concerns of families working to gain control of their finances, reduce debt, and achieve their financial goals.
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Keep Your Head When Facing Job Loss
April 12, 2009 – What if you were handed your pink slip tomorrow? Are you in good enough financial shape to withstand that blow? Guest Susan Tiffany, director of personal finance information for adults in the Credit Union National Association's Center for Personal Finance talks about being prepared with host Paul Berry--from what to expect from a former employer to how to jump-start your new job search. This information will help you get back in the game after losing a job.
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Perfect Storm for Identity Theft Brewing: Worst Data Breach Yet to Come
April 5, 2009 – Adam Levin, chairman of IDentityTheft 911.com and former director of the New Jersey Division of Consumer Affairs, warns of the factors coming together to create a perfect storm for an upsurge in identity theft. Bottom line? We ain’t seen nothin’ yet!
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MatchSavings.org
April 5, 2009 – MatchSavings.org lets you match the savings of someone living in poverty. You choose who to help meet their savings goal and choose to match their savings toward housing, education or a business. Janette Klaehn, vice president of communications with the World Council of Credit Unions (WOCCU) in Madison, Wisc. tells you how MatchSavings.org differs from other microfinancing initiatives and why you should sign on to MatchSavings.org.
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Your Questions Answered
April 5, 2009 – What’s in the stimulus package for YOU; credit card repayment solutions
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Landscape Your Home to Save Energy and Money
March 29, 2009 Michael Weishan, former host of America's oldest and most popular gardening TV show, PBS's Victory Garden
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Check Your Car's History Before You Buy
March 29, 2009 – Maxine Sweet, vice president of public education, Experian
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2009 Required Minimum Distribution Waiver--What Is It & Why You Should Care?
March 29, 2009 – Dennis Zuehlke, compliance manager, CUNA Mutual Group
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Your Questions Answered
March 29, 2009 – Co-signing for a loan; routine vehicle expenses; appealing property tax assessments.
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Predatory Companies: How to Avoid Them; How to Fight Back
March 22, 2009 – - “If it sounds too good to be true. . .” Unfortunately, we can’t always tell whether a company is ethical or using legal methods. From tax and debt repair assistance companies that want payment up front and suddenly disappear to every party at the table when you close on a home, the scale tips lower for “what’s in it for them, not you .” Ron Burley, a consumer activist and reporter, author, columnist, and frequent contributor to AARP consumer news, sheds some light on shady operators and tips on avoiding them and fighting back.
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Protecting Yourself from Data Breaches & Cyber Thieves
March 22, 2009 – Identity theft is a growing, lucrative criminal enterprise. In January, Heartland Payment Systems reported the largest theft to date, which may have totaled tens of millions of individual credit and debit card transactions. One shocking note on I.D. theft (even this large) is it’s easier to pull off than we’d like to think. So, are we just kidding ourselves? Can we better protect our own personal and financial information from cyber crooks? Scott Mitic, CEO of TrustedID, says, “Yes,” and discusses what each of us can do to thwart these ruinous thieves.
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Feast-or-Famine Budgeting: Savings 101 for Consultants, Freelancers, Artists and the Self-Employed
March 22, 2009 – Do you make more money during some seasons or months of the year and very little in others? Does your income fluctuate because you sell a product or service? Ethan Ewing, president of Bills.com in San Mateo, California, shares practical strategies to smooth out the ups and downs of irregular payments—tips that will help you save and even invest regardless of how much money you make in a given period. You’ll never dig down between the couch cushions or look at your kid’s piggy bank the same way again!
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Your Email Questions Answered
March 22, 2009 – IRS tax advice for self-employed; when you’ve lost your job; which ones to pay 1st with credit card debts
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Energy Saving Tax Incentives in New Economic Stimulus Law
March 15, 2009 – The porch light’s on and someone’s finally home! One of the bright spots in the huge federal stimulus package signed into law by President Obama is the designation of more than $20 billion for energy efficiency programs that will create jobs and cut carbon emissions while helping to lift the faltering U.S. economy. Guest Ronnie Kweller, deputy director of communications with the Alliance to Save Energy in Washington, DC, details those programs that will benefit you and other consumers the most.
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Landscape Your Home to Save Energy & Money
March 15, 2009 – Well-designed landscaping not only can add beauty to your home. It also can reduce your heating and cooling costs. The annual energy bill for a typical single family home is $2,000—nearly half (49%) of that goes to heating and cooling. Spring is an ideal time to plan energy efficient upgrades to your garden and home to save energy, save water, and lower your utility bills. And, landscaping for energy efficiency provides enough energy savings to return an initial investment in just a few years. Lani Macrae, energy star director of communications at the Department of Energy in Washington, DC, tells what simple things you can do to save energy and money.
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Will Vehicle-Buying Tax Incentives Get You Back in the Showroom?
March 15, 2009 – The federal stimulus package signed into law by President Obama includes a $2.3 billion tax break for new-car and truck buyers, which could save auto buyers hundreds of dollars. With potentially significant savings, auto shoppers should continue to do their homework to prepare for vehicle financing decisions,” contends guest Eric Hoffman, spokesman for Americans Well-Informed on Automobile Retailing (AWARE), in Washington, DC. With the vehicle-buying opportunity presented by the stimulus package, Eric also reminds listeners of the most important steps to prepare to finance a vehicle.
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Keep Your Head When Facing Job Loss
March 15, 2009 – What if you were handed your pink slip tomorrow? Are you in good enough financial shape to withstand that blow? Guest Susan Tiffany, director of personal finance information for adults in the Credit Union National Association's Center for Personal Finance talks about being prepared with host Paul Berry--from what to expect from a former employer to how to jump-start your new job search. This information will help you get back in the game after losing a job.
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Your Email Questions Answered
March 15, 2009 – Smarter shopping saves money; provisions in existing tax law can help you save on your 2008 return; one elder’s thoughts on identity theft
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Mission of the Department of Veteran Affairs Center for Women Veterans.
March 8, 2009 – Why does the VA have special services for women veterans, what are these, and why should you care? We find out from Irene Trowell-Harris, RN, EdD, Major General (USAF, retired), director, Center for Women Veterans, U.S. Department of Veteran Affairs, Washington, DC
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How to Avoid Fake Check Scams
March 8, 2009 – You cannot tell a fake check from how it looks—right down to the correct watermark. You can even withdraw money on it when it’s no good! So, what’s a body to do? Susan Grant, the director of consumer protection with the Consumer Federation of America in Washington, DC, has info & answers you won’t want to miss. In these hard economic times, fake check scams are profitable and on the rise. But they all have one thing in common and you’ll hear the tip off in her interview.
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Military Couples & Money
March 8, 2009 – Money issues are the # 1 problem for many couples. Add to that the special circumstances for military families and agreed upon money management makes a positive difference. Katie Savant, deputy director in Government Affairs with the National Military Families Association in Alexandria, Virginia, is a military spouse and works closely with families facing deployment, moves and many other financial challenges. Katie shares time-tested tips that work.
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Getting an Excellent Credit Score Just Got Harder Than Ever
March 8, 2009 – MSNMoney.com recently reported that to get the best rates in these tough economic times, we need a credit score of 760 or higher. Previously, that number was around 720. The February issue of Kiplinger’s said the credit crunch is putting the squeeze on our credit score, and one tiny slip-up on our part could come back to haunt us—possibly costing us thousands of dollars over the life of a loan. John Ulzheimer is a credit scoring and credit reporting expert, author and president of Credit.com Educational Services, in addition to being a regular contributor to CNBC’s On the Money. John tells what these credit score changes mean for YOU.
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Credit Card Breaches – Too Little Too Late
March 8, 2009 – Can we really thwart identity thieves or are there just too many ways to obtain our personal and financial information? Adam Levin, former N.J. director of consumer protection, and founder and chairman of Identity Theft 911, has a reality check on this money making, “too good to be true” enterprise – if you’re the crook, that is!
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TAPED BEFORE A LIVE AUDIENCE AT THE CREDIT UNION NATIONAL ASSOCIATION GOVERNMENTAL AFFAIRS CONFERENCE, WASHINGTON, DC

The State of Our Economy and a Forecast
March 1, 2009 Bill Hampel, senior vice president, research and policy analysis, and chief economist, Credit Union National Association.<

Advice For Consumers During Difficult Times
March 1, 2009 – Jack Gillis, consumer advocate, author, director of public affairs with the Consumer Federation of America and president of Gillis & Associates in Washington, DC.

From the Audience: Questions and Comments
March 1, 2009

Social Cost of Financial Illiteracy.
February 15, 2009 – Financial illiteracy is not a result of being stupid. It’s about the unwitting mistakes that smart people make simply because we’re not financially educated. How many times have you uttered the plaintiff cry, “If only I had known!” We’ve all read the headlines: “Auto Dealer Markups Cost Consumers Billions”; “Quick Tax Loans Drain Millions from Consumers”; “Credit Insurance Overcharges Hit $2.5 Billion Dollars Annually” and know what they mean to our pocketbooks. But do we realize the impact of financial problems on our personal and family lives? What happens to our emotional well-being when we wreck our car and because we owe more than it’s worth have to make payments on a car in the junkyard? Or we’re paying hundreds in credit card interest because of incorrect credit file information we don’t understand. Jack Gillis, consumer advocate, author, director of public affairs for the Consumer Federation of America, and president of Gillis & Associates and host Paul Berry talk about the social and emotional toll of financial illiteracy and three simple keys to reducing financial stress.
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How to Avoid Foreclosure Rescue Scams.
February 15, 2009 – Barry Wides is deputy comptroller of community affairs in the Office of the Comptroller of the Currency with the Department of the Treasury. In this all too timely interview, Barry lists some of the legitimate organizations you can turn if you are having trouble paying your mortgage or already are behind and facing foreclosure. He also discusses the types of foreclosure rescue scams his office is seeing, what is happening to these perpetrators and how you can avoid becoming a victim of one of these scams.
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Fair Debt Collection.
February 15, 2009 – The Fair Debt Collection Practices Act protects you from illegal debt collection practices. It dictates how a debt collector can contact you; the types of collection practices that are prohibited; what a collector can tell anyone else about your debt; what the debt collector must tell you about the debt; and if there is a way to stop a debt collector from contacting you. Thomas Kane is a senior attorney in the Division of Financial Practices at the Federal Trade Commission. His message to listeners includes what you can do if you think a debt collector violated the law, and where you can report a debt collector for an alleged violation. Times are difficult enough without being harassed by unethical collection agencies. Listen to this interview to know more about what your rights are.
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COUPLES & MONEY

Pre-Nuptial Agreements.
February 8, 2009 - What’s in one? Do you need one? Do you want one? Katherine Stoner, author, educator, attorney and partner of Stoner-Welsh in Pacific Grove, California, covers this and the do’s and don’ts of writing a fair and lasting prenup. Listen on-line or download the mp3 file

Divorce: Separating Your Lives AND Your Credit.
February 8, 2009 - A divorce decree does not separate joint credit accounts. If your ex-partner then fails to pay, your credit history is damaged. So, what do you do and what do you do if the company won’t remove one party of responsibility? Difficult divorce and difficult ex? “If you start playing the spite game and running up charges to punish the other, both of you may suffer bad credit,” advises guest Maxine Sweet, vice president of public education with Experian, located in Allen, Texas.
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Military Couples and Personal Finance.
February 8, 2009 - It’s probably even more important for military couples to have their finances in order than it is for civilian couples. Being financially responsible and maintaining a good credit rating is even more important for military personnel because it could affect security clearances – and your job. Military families move often and there is deployment to consider. All of this brings special considerations to bear: do you buy or rent, what about the spouse’s job, where do we turn for help? Karen Jowers, a staff writer for Military Times, talks about special pays and tax advantages, power of attorney, resources for military families, and more.
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Estate Planning.
February 8, 2009 - If you're faced with wrapping up the affairs of a loved one who has died, you may feel overwhelmed by all the work ahead -- especially when you're grieving. But with the right legal and practical information, you can do it. Each couple needs separate wills, but are they expensive and do you have to hire a lawyer? Does all your property go through my will? What estate planning steps should we take? Do we need a trust and what about estate tax? Did you know that you can pass $2 million without incurring tax? It’s guest Mary Randolph’s job to know. She answers these important questions for any couple planning for the future needs of their loved ones. Mary is an attorney, author, and vice president of editorial, with NOLO, in Berkeley, California. NOLO is the nation's oldest provider of legal information for consumers and small businesses.
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Think ‘Future’ When Starting a Business
February 1, 2009 – Why would anyone start a small business during a recession? Guest Susan Tiffany, director of personal finance information for adults in the Credit Union National Association Center for Personal Finance, says many people are looking for new opportunities now because they’ve lost a job or have a long-held dream to be a business owner. Either way, you have to start by asking yourself a lot of questions—and then be satisfied with the answers, if you’re going to make a go of it. The questions and answers may surprise you—is there a new business in your future?
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Sustainable Homeownership: Future Role of Government
February 1, 2009 – The Center for Responsible Lending (CRL) contends that today’s foreclosure epidemic resulted from the legal mass marketing of dangerous loan products and systematic overcharging of vulnerable consumers. The consequences are hurting everyone and the housing crisis has set the entire country back as we deal with the spillover effects of reduced property values, lost jobs, and devastated communities. Lisa Ransom is vice president of federal affairs with the CRL, joins host Paul Berry to discuss the role of government in sustainable homeownership.
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Low-Income and Minority Financial Services Concerns
February 1, 2009 – Free and low-cost credit counseling, often provided by non-profit organizations, can throw a life-line to people experiencing financial difficulties. Stephanie Bittner, consumer credit counselor, and NFCC National Foundation of Consumer Credit Counselor’s “Counselor of the Year, with the Consumer Credit Counseling Service of Delaware Valley near Philadelphia, discusses financial services concerns of families working to gain control of their finances, reduce debt, and achieve their financial goals.
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Keep Your Head When Facing Job Loss
February 1, 2009 – What if you were handed your pink slip tomorrow? Are you in good enough financial shape to withstand that blow? Guest Susan Tiffany, director of personal finance information for adults in the Credit Union National Association's Center for Personal Finance talks about being prepared with host Paul Berry--from what to expect from a former employer to how to jump-start your new job search. This information will help you get back in the game after losing a job.
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Countdown to Conversion: An Update on the Switch to Digital TV
January 25, 2009 - Congress has pushed the start-up date back to June 12th. Can you still get a coupon to help pay for a converter box? What grade should we give government for reaching out to the people who need the most help with the conversion? Who and where are the people who need assistance? Will they be helped? Dan Rumelt, outreach advisor at the Federal Communications Commission in Washington, D.C., answers these and more. Are YOU ready to help your neighbors, the elderly, infirm, physically and mentally challenged in YOUR community?
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Crisis at the Shelter: Pets and Foreclosure
January 25, 2009 - You’ve lost your home and now can’t keep your pet. The lucky ones are relinquished to shelters. The not-so-fortunate wander the streets or are left in the house or backyard, suffering and dying. The numbers are staggering and the burden on shelters is reaching crisis proportions. Betsy McFarland, director of communications in the Companion Animals Section of the Humane Society of the United States, shares information for pet owners on what you can do if you are affected by this economic down-turn, what others can do to assist, and much more.
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Earned Income Tax Credit
January 25, 2009 - If you’re trying to make ends meet on about $41,000 or less, you may be eligible to receive the tax credit that helps low- and moderate-income workers and working families. Unlike most tax breaks, you can get the EITC even if you owe no tax and even if no tax was taken out of your paychecks. As many as one in four eligible families fail to claim this valuable credit because they don’t know about it or think they don’t qualify. Eric Smith, spokesman for the Internal Revenue Service, provides on-point information on the simple steps to take to receive the money your family can put to good use, too.
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Community Outreach for Earned Income Tax Credits
January 25, 2009 - A spokesman for the Internal Revenue Service told host Paul Berry in another interview that as many as one in four eligible families are not aware they can receive the Earned Income Tax Credit. More and more community groups and financial institutions see the need to get the word out about the EITC and to also help families file for the tax credit. Pam Swope, marketing manager of FinancialEdge Community Credit Union in Bay City, Michigan details some of the programs her financial institution provides its members to help file their income taxes.
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My Credit Union Helped Me With My Taxes
January 25, 2009 - This first-hand account, from FinancialEdge Community Credit Union member Lee Ann, is a prime example of the credit union philosophy come to life—truly people helping people.
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REBROADCAST OF EARLIER SHOW

Apply NOW for Federal Student Loans
January 18, 2009 - When do you apply for federal student aide? Do you apply each year? What is FAFSA? Is there an application deadline? Anne Barton, regional director for business development with the National Student Loan Program, answers these questions and more. There is grant money, federal assistance and private loans; do you know the order in which you should seek student aide? Don’t miss this discussion, especially if you think you or your child does not qualify for assistance.
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Organize Your Finances For the Year
January 18, 2009 - Trim expenses, track your credit, review your credit reports for errors or fraudulent activity, use credit wisely, stick to your budget. What else? Plenty! Jason Alderman, director of issues management in the San Francisco office of Visa USA, gives you clear-cut, easy to implement and maintain strategies to shape up your finances early in the year. His advice takes you step-by-step in setting up a system that works for you.
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Shopping Secrets to Save You Big: 24 of the best money-saving and road-tested tips to prevent you from overspending
January 18, 2009 - – Sue Perry, deputy editor of Consumer Reports’ ShopSmart magazine, shares shopping tips from readers and staff that will save you plenty: always check return costs—especially for large items; Google “promotion code” before you buy; dicker with doctors; don’t shop when you’re exhausted; and check your insurance plan for discounts are just a few money-savers. Listen to this interview for more great ideas.
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Green Savings: Save Money, Save the Planet
January 18, 2009 - – Ethan Ewing, president of Bills.com, is back with strategies on how YOU can go green on a budget! Whether it’s cleaning up your commute or installing a programmable thermostat, using methods that make your laundry sparkle or unplugging home machines and appliances when not in use, Ethan has tips that not only cut your costs, but reduce the negative impact on our environment. In fact, if you use all five of the simple actions Ethan suggests, you will eliminate 3,000 pounds of carbon emissions and save more than $350.
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Your Questions Answered
January 18, 2009 – Durable power of attorney for health care; buyers’ market for new car purchases; mortgage foreclosure-rescue scams; investing in a volatile market.
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Apply NOW for Federal Student Loans
January 4, 2009 - When do you apply for federal student aide? Do you apply each year? What is FAFSA? Is there an application deadline? Anne Barton, regional director for business development with the National Student Loan Program, answers these questions and more. There is grant money, federal assistance and private loans; do you know the order in which you should seek student aide? Don’t miss this discussion, especially if you think you or your child does not qualify for assistance.
Listen on-line or download the mp3 file

Organize Your Finances For the Year
January 4, 2009 - Trim expenses, track your credit, review your credit reports for errors or fraudulent activity, use credit wisely, stick to your budget. What else? Plenty! Jason Alderman, director of issues management in the San Francisco office of Visa USA, gives you clear-cut, easy to implement and maintain strategies to shape up your finances early in the year. His advice takes you step-by-step in setting up a system that works for you.
Listen on-line or download the mp3 file

Shopping Secrets to Save You Big: 24 of the best money-saving and road-tested tips to prevent you from overspending
January 4, 2009 - – Sue Perry, deputy editor of Consumer Reports’ ShopSmart magazine, shares shopping tips from readers and staff that will save you plenty: always check return costs—especially for large items; Google “promotion code” before you buy; dicker with doctors; don’t shop when you’re exhausted; and check your insurance plan for discounts are just a few money-savers. Listen to this interview for more great ideas.
Listen on-line or download the mp3 file

Green Savings: Save Money, Save the Planet
January 4, 2009 - – Ethan Ewing, president of Bills.com, is back with strategies on how YOU can go green on a budget! Whether it’s cleaning up your commute or installing a programmable thermostat, using methods that make your laundry sparkle or unplugging home machines and appliances when not in use, Ethan has tips that not only cut your costs, but reduce the negative impact on our environment. In fact, if you use all five of the simple actions Ethan suggests, you will eliminate 3,000 pounds of carbon emissions and save more than $350.
Listen on-line or download the mp3 file

Your Questions Answered
January 4, 2009 – Durable power of attorney for health care; buyers’ market for new car purchases; mortgage foreclosure-rescue scams; investing in a volatile market.
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THE DECEMBER 28, 2008 SHOW IS REBROADCAST FROM AN EARLIER DATE

How to Be the Family CFO: 4 Simple Steps to Put Your Financial House in Order
December 28 , 2008 - It is hard to escape the frightening reality. The current financial crisis has wiped out $4 trillion in retirement savings. People are selling their stocks and even more are terrified of investing their hard earned money in Wall Street. Where can we turn for help during this difficult time? Look in the mirror. You and you alone are accountable for whatever financial situation you find yourself in. Not your broker, not your CPA, not your spouse. To be a competent family CFO, you have to be armed with the education to make good financial choices. “Anyone can do it,” said guest Kim Snider, CEO of Snider Advisors and author of How to Be the Family CFO: 4 Simple Steps to Put Your Financial House In Order. This must-read is chock-full of great practical advice for getting your financial life together.
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The Truth about Identity Theft: Why Be Me When I Can Be You?
December 28 , 2008 - Jim Stickley has stolen credit cards, hacked social security numbers, robbed banks, and created fake ATMs. He has broken into armed government facilities and has stolen from teenagers. Jim is an identity thief, but he is no criminal. Jim Stickley is the founder, vice president of engineering and CTO of Trace Security in San Diego, California. Jim is hired to perform these attacks by corporations testing their security, news agencies investigating security concerns, and other organizations interested in knowing just how easy it is to commit identity theft. His job is to find security flaws before the real criminals find them. Jim’s new book, The Truth about Identity Theft: Why Be Me When I Can Be You, has received high praise and he had advice you have to hear.
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Coupon Comeback – Saving You $$.
December 28 , 2008 - With the current state of the economy, businesses are more inclined to produce coupons. 85% of American shoppers use some form of coupons. The good news for consumers is there are more coupons than ever and several new forms of coupons from which to choose. Steven Gray, COO of Money Mailer in Garden Grove, California, told us, “Consumer preferences changed in regard to the way they wanted to receive coupons. There are now many websites, such as www.coupons.com, offering coupons for more than just groceries and home repair services. Economic pressures pushed businesses to attempt new marketing tactics, and new types of industries offer coupons.” Consumers will now find more discount and retail shops, more grocery stores than ever before, and business to business services. More good news: restaurants and even higher-end retailers accept coupons.
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Your Questions Answered.
December 28 , 2008 - Anthony Giorgianni, associate finance editor for Consumer Reports Money Adviser, has the latest on legislation to protect purchasers and recipients of gift cards. Consider what would happen to a gift card if the company went out of business and cannot or will not honor your card. Don’t miss additional information Tony shares, whether you plan to buy a gift card or get one. It might mean the difference between redeeming the card’s value or having with a worthless piece of plastic.
Listen on-line or download the mp3 file

How to Be the Family CFO: 4 Simple Steps to Put Your Financial House in Order
December 21 , 2008 - It is hard to escape the frightening reality. The current financial crisis has wiped out $4 trillion in retirement savings. People are selling their stocks and even more are terrified of investing their hard earned money in Wall Street. Where can we turn for help during this difficult time? Look in the mirror. You and you alone are accountable for whatever financial situation you find yourself in. Not your broker, not your CPA, not your spouse. To be a competent family CFO, you have to be armed with the education to make good financial choices. “Anyone can do it,” said guest Kim Snider, CEO of Snider Advisors and author of How to Be the Family CFO: 4 Simple Steps to Put Your Financial House In Order. This must-read is chock-full of great practical advice for getting your financial life together.
Listen on-line or download the mp3 file

The Truth about Identity Theft: Why Be Me When I Can Be You?
December 21 , 2008 - Jim Stickley has stolen credit cards, hacked social security numbers, robbed banks, and created fake ATMs. He has broken into armed government facilities and has stolen from teenagers. Jim is an identity thief, but he is no criminal. Jim Stickley is the founder, vice president of engineering and CTO of Trace Security in San Diego, California. Jim is hired to perform these attacks by corporations testing their security, news agencies investigating security concerns, and other organizations interested in knowing just how easy it is to commit identity theft. His job is to find security flaws before the real criminals find them. Jim’s new book, The Truth about Identity Theft: Why Be Me When I Can Be You, has received high praise and he had advice you have to hear.
Listen on-line or download the mp3 file

Coupon Comeback – Saving You $$.
December 21 , 2008 - With the current state of the economy, businesses are more inclined to produce coupons. 85% of American shoppers use some form of coupons. The good news for consumers is there are more coupons than ever and several new forms of coupons from which to choose. Steven Gray, COO of Money Mailer in Garden Grove, California, told us, “Consumer preferences changed in regard to the way they wanted to receive coupons. There are now many websites, such as www.coupons.com, offering coupons for more than just groceries and home repair services. Economic pressures pushed businesses to attempt new marketing tactics, and new types of industries offer coupons.” Consumers will now find more discount and retail shops, more grocery stores than ever before, and business to business services. More good news: restaurants and even higher-end retailers accept coupons.
Listen on-line or download the mp3 file

Your Questions Answered.
December 21 , 2008 - Anthony Giorgianni, associate finance editor for Consumer Reports Money Adviser, has the latest on legislation to protect purchasers and recipients of gift cards. Consider what would happen to a gift card if the company went out of business and cannot or will not honor your card. Don’t miss additional information Tony shares, whether you plan to buy a gift card or get one. It might mean the difference between redeeming the card’s value or having with a worthless piece of plastic.
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Creating Holiday Memories That Cost Little or Nothing
December 14 , 2008 - Alisa Cohn, an executive coach and consultant, engages host Paul Berry in a discussion about the real meaning of holidays and family gatherings. Just what is it we hold so dear many years later? The fancy wrapping paper, the toy Uncle Pete gave you that was identical to one you already had? Probably not. Then what? And how do you create events and activities your family and friends remember a lifetime?
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Managing Personal Finance During a Crisis
December 14 , 2008 - Face it. Lenders would be foolish to simply go back to status quo before this mess started. If you ask, “’what mess?’ you either don’t need to listen to this interview or you REALLY must listen!” John Ulzheimer, president of consumer education with Credit.com, author of You’re Nothing But a Number, and contributor to CNBC’s On the Money, gets down to the nitty-gritty of what you must do to stay afloat and maintain control of your finances: keep copies of online banking transactions; track your auto pays. Have hefty credit card or loan balances with a financial institution that also has your checking and savings? Consider diversifying and splitting these. Need credit? Use a one-stop-shop environment and let them shop around for you. These are just some of the “grab the bull by the horns” practical steps you can take. Don’t miss the rest—listen today.
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Fresh Money Management Ideas from the Editors of Home & Family Finance.
December 14 , 2008 - Susan Tiffany is director of personal finance information for adults in the CUNA Center for Personal Finance. She also is the editor of “Home & Family Finance”, CUNA’s credit union member consumer magazine. Some of the suggestions Susan and host Paul Berry explore at first seem difficult to commit to, but you’ll find each rewarding. Here are just two: 1) Every time you get a raise, commit to adding half of that amount to your savings or 401(k) plan; 2) Use your public library. It’s a cornucopia of the latest books, magazines, games, DVDs, and free internet access—tax dollar for tax dollar, the government service with the very best ROI (return on investment) for all members of your family.
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Gift Card or Gift Horse? Is Your Gift Card Really a Trojan Horse?
December 14 , 2008 - Anthony Giorgianni, associate finance editor for Consumer Reports Money Adviser, has the latest on legislation to protect purchasers and recipients of gift cards. Consider what would happen to a gift card if the company went out of business and cannot or will not honor your card. Don’t miss additional information Tony shares, whether you plan to buy a gift card or get one. It might mean the difference between redeeming the card’s value or having with a worthless piece of plastic.
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Your Questions Answered
December 14 , 2008 - Protect your Social Security number against identity theft; buying groceries using three money-saving tips; interest rate hikes on credit cards.
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Click and Give: Contributing to Charities Online
December 7 , 2008 - Online giving has exploded! 89% of U.S. households contribute each year to one or more charitable organizations; giving at this level is truly a uniquely American phenomenon. Will the level of charitable giving remain about the same during these tough times, or will purse strings tighten? Steve Delfin, executive director of the National Credit Union Foundation and chairman of America’s Charities, discusses the current state of charitable giving and tips to help you with your online giving.
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Additional Resources:	National Credit Union Foundation
	America’s Charities

Regifting: Gifts That Keep On Giving
December 7 , 2008 - Kim McGrigg, community manager for Money Management International, manages a fun website devoted to regifting. Many of us receive terrific gifts that either don’t fit our lifestyle (or décor) or simply “are not us.” Well, don’t put it away in a closet! Wrap it up and give it to someone else! You might be surprised to find out the number of people who re-gift. There are some definite dos and don’ts when it comes to regifting. Kim, and visitors to the site, share their experiences and hilarious faux pas on the site. You’ll also find ecards and holiday surprises. Remember: regifting is not about giving away used or junk items; always rewrap a gift and buy a new card; and don’t forget who gave you the gift and give it back to that same person! It happens. . . .
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Holiday Giving: Cash vs Gifts or Gift Cards
December 7 , 2008 - Eric Porter, executive vice president of business development and marketing, with Co-op Financial Services in Rancho Cucamonga, California has the answers to, “Are prepaid cards a safer, better alternative to giving cash? Is there an advantage to giving gift cards rather than a prepaid card or cash?” What you decide as part of your holiday giving may well rest within this lively discussion with host Paul Berry.
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5 Holiday Shopping Tips and Tools for Tough Times
December 7 , 2008 - With so many shoppers counting their pennies this year, consumerworld.org, a leading consumer education website founded by guest Edgar Dworsky, is offering tips about novel online services to help stretch your holiday budget. Consumers will have to be cyber savvy and shop smarter to get the best deals this holiday season. Using a variety of online shopping tools is the best way to comparison shop and increase your sense of prices. Try any of these links below.
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Additional Resources:
		5 Holiday Shopping Tips and Tools for Tough Times
		Get Notified When Prices Drop
		Get the Buzz about Unadvertised Bargains
		Find Brick & Mortar Sale Circulars Online
		Check Price Histories
		Ship Gifts for Less

Spendster.org and the Cost of Unnecessary Spending
December 7 , 2008 - You hang clothes on your Nordic Track, your “gotta have” boat is in dry dock most of the year, and your espresso maker is a piece of junk! Just how much money do you blow each year? To help answer that question, Paul Golden, the communications project manager with the National Endowment for Financial Education® (NEFE) in Greenwood Village, Colorado, brings us Spendster.org. Just in time to make you think twice about the holiday gifts you buy, this new social media website helps you calculate the true cost of unnecessary purchases, often regretted in hindsight, while you share your misteps via personal videos or photos. You can also rate other spendsters’ never used or disappointing purchases. To make you feel even worse, if you used your credit card, the calculator may reveal that you’ve spent the equivalent of four college tuition credits on shoes and handbags.This tongue-in-cheek site has fun activities, the purpose of which is to demonstrate the long-term financial effects of buyer’s remorse while beginning to educate consumers on their own personal financial needs and capabilities. Spendster.org uses fun tools to come up with some serious numbers.
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THE NOVEMBER 28, 2008 SHOW IS REBROADCAST FROM AN EARLIER DATE

Deter, Detect, Defend – Avoiding I.D. Theft
November 28 , 2008 - Are we losing the fight against identity theft? Joanna Crane, identity theft program manager in the Division of Privacy and Identity Protection with the Federal Trade Commission in Washington, DC, discusses two key tools that strengthen consumer protection: 1) the Identity Theft Report will clean up your credit report; and 2) the right to obtain business records from companies that had transactions with the identity thief in your name, without a subpoena. Check out this interview for more ways to deter I.D. theft.
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America’s # 1 Crime: Identity Theft
November 28 , 2008 - – How can YOU protect yourself against I.D. theft? Gail Cunningham, the senior director for public relations with the National Foundation for Credit Counseling in Wichita Falls, Texas, shares some common sense ways to limit the possibility of becoming another statistic and a victim of I.D. theft. Don’t carry your Social Security card with you; immediately report lost or stolen credit or debit cards; never give personal or financial information over the phone; and shred everything. There is so much more and you’ll only hear it here.
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Synthetic I.D. Theft: The Toughest to Solve
November 28 , 2008 - Synthetic, as in polyester? Synthetic as in to synthesize: pulling separate and different parts together to form a new whole. In the case of identity theft: taking one victims Social Security number, another person’s military record, someone’s resume, yet another person’s medical history, throw in a couple credit cards and voila! You’ve created a monster. A monster that can divert your money, a monster that gets hospital care while you get the bill, a monster that can ruin your credit rating. And catching the perpetrator? You get close trailing one scent before hitting a dead end that makes no sense. You follow the medical history only to be thrown off by a Social Security number of a child that did not live past the age of seven. It’s time to dial for help. It’s time to dial 911. In this case, it’s time to go to the web site Identity Theft 911 to find out all you can about one of the most difficult forms of identity theft to stop. Adam Levin, chairman, president, and co-founder of Credit.com; and chairman and founder of Identity Theft 911, has the low-down on this serpentine form of I.D. theft. Fascinating and frightening.
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Security Breaches Affect Everyday People
November 28 , 2008 - Jay Foley is the executive director of the Identity Theft Resource Center in San Diego, California and a leader in the fight against identity theft. We’ve heard it on the news: you pay for a pair of shoes you’re your credit card only to have customer information stolen from the store; an employee’s lap top computer is missing, along with company data; snoops access celebrity’s medical records. No one is safe from a security breach. You only control 10-15% of your personal info. Everything and everyone seems to have your personal information—statements with financial info; every company you’ve done business with, every doctor, dentist, medical facility, insurance agent, tax preparer, and all federal, state, and local agencies. Jay wants you to know how security breaches occur—it’s as easy as losing your thumb drive or hiring a temporary worker whose real purpose is to obtain data that can be sold and resold and sold again. This conversation holds your attention and keeps you on the edge of your seat.
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Your Questions Answered
November 28 , 2008 - Safeguarding your Social Security number; identity theft email scams and phishing; tips to prevent identity theft; easy ways thieves get personal and financial information
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Charitable Giving: How to Check Up on Charities
November 23 , 2008 - Most of us have hear the sad tales of people who have given to charitable organizations for years only to find out that most of their hard-earned dollars actually went toward the cost of administering the organization and not to those for whom the money was intended. Laurie Styron is an analyst with the American Institute of Philanthropy (AIP) in Chicago, Illinois, and knows a thing or two about rating charities that do a good job allocating contributions and those that fail miserably. Laurie discusses how the AIP makes these determinations, and the rating system on its web site that you can check before donating to a particular group. After all, wouldn’t you rather have 75¢ of every dollar go to those you want to help rather than 4¢ per dollar?
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Federal Insurance of Consumer Deposits in Financial Institutions
November 23 , 2008 - Gigi Hyland, Board Member of the National Credit Union Administration (NCUA), the federal regulatory body providing oversight of federally-chartered credit unions, sat down with host Paul Berry to talk about consumers concerns related to the safety of their deposits in financial institutions. Banks of all sizes have failed during the current recession and people wonder if their bank or credit union is in good shape. Ms. Hyland details recent changes to federal insurance and temporary increases in the amount of consumer deposits safeguarded by insurance. She further explains how structuring various accounts can result in additional coverage. At the top of the NCUA home page, you will find more information under “Resources for Consumers” and two other links that will help answer the question, “Is my credit union federally insured?”
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Income Taxes and Military Service Members
November 23 , 2008 - Military Reservists, including members of the National Guard, called to active duty can receive payments from their IRAs, 401(k) plans and 403(b) tax-sheltered annuities, without having to pay the additional ten-percent early-distribution tax. Do you know that? Eric Smith does. Do you know members of the military serving in Iraq, Afghanistan or other combat-zone localities have until at least 180 days after they leave the combat zone to file a return and pay any taxes due? Eric Smith does. Eric knows these things and many more as the national spokesman for the Internal Revenue Service. Don’t miss this interview, especially if you are in the military or service member’s family. What about taxing your combat pay? Eric Smith has the answer.
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Your Income Taxes: What to Do Before Dec. 31st.
November 23 , 2008 - Get your facts straight and get organized. Do a test run using a form you download at www.irs.gov. Two pieces of good advice from Home & Family Finance regular Ethan Ewing, president of Bills.com in San Mateo, California. Maximize your deductions; Ethan will tell you how. Think the state of our “bumpy” economy may impact your taxes? Ethan’s strategies will make for smooth sailing. If you need help with your taxes, get it. Ethan has pointers on finding and evaluating possible resources. Ethan’s advice is so good you’ll want to listen again while you take notes!
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Put Cash Flow on a Calendar
November 23 , 2008 - Mileah, a member of Kessler Federal Credit Union in Long Beach, Mississippi sent in a great idea that will keep you on track and on time. Susan Tiffany, director of personal finance information for adults, at the Center for Personal Finance, with the Credit Union National Association, in Madison, Wisconsin, described Mileah’s system that will help you, too. You can use a computer and a spread sheet, you can use a notebook and pencil, you can even find helpful pages on your financial institutions web site. No matter which style you prefer, the basics remain the same. Use Mileah’s ideas; you will know when the next bill you need to pay is due, what you’ve been paying and how much you have left to cover this next payment. Susan gives some handy tips on things you can do to stay on budget: ask your lender for a different due date; use online bill pay to break large payments up into halves or thirds; set up automatic deposit into a savings account meant just for bill paying. Whatever you use, the calendar method will help you see what you’re doing and reduce the stress you might feel if you are living paycheck to paycheck.
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Deter, Detect, Defend – Avoiding I.D. Theft
November 16 , 2008 - Are we losing the fight against identity theft? Joanna Crane, identity theft program manager in the Division of Privacy and Identity Protection with the Federal Trade Commission in Washington, DC, discusses two key tools that strengthen consumer protection: 1) the Identity Theft Report will clean up your credit report; and 2) the right to obtain business records from companies that had transactions with the identity thief in your name, without a subpoena. Check out this interview for more ways to deter I.D. theft.
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America’s # 1 Crime: Identity Theft
November 16 , 2008 - How can YOU protect yourself against I.D. theft? Gail Cunningham, the senior director for public relations with the National Foundation for Credit Counseling in Wichita Falls, Texas, shares some common sense ways to limit the possibility of becoming another statistic and a victim of I.D. theft. Don’t carry your Social Security card with you; immediately report lost or stolen credit or debit cards; never give personal or financial information over the phone; and shred everything. There is so much more and you’ll only hear it here.
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Synthetic I.D. Theft: The Toughest to Solve
November 16 , 2008 - Synthetic, as in polyester? Synthetic as in to synthesize: pulling separate and different parts together to form a new whole. In the case of identity theft: taking one victims Social Security number, another person’s military record, someone’s resume, yet another person’s medical history, throw in a couple credit cards and voila! You’ve created a monster. A monster that can divert your money, a monster that gets hospital care while you get the bill, a monster that can ruin your credit rating. And catching the perpetrator? You get close trailing one scent before hitting a dead end that makes no sense. You follow the medical history only to be thrown off by a Social Security number of a child that did not live past the age of seven. It’s time to dial for help. It’s time to dial 911. In this case, it’s time to go to the web site Identity Theft 911 to find out all you can about one of the most difficult forms of identity theft to stop. Adam Levin, chairman, president, and co-founder of Credit.com; and chairman and founder of Identity Theft 911, has the low-down on this serpentine form of I.D. theft. Fascinating and frightening.
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Security Breaches Affect Everyday People
November 16 , 2008 - Jay Foley is the executive director of the Identity Theft Resource Center in San Diego, California and a leader in the fight against identity theft. We’ve heard it on the news: you pay for a pair of shoes you’re your credit card only to have customer information stolen from the store; an employee’s lap top computer is missing, along with company data; snoops access celebrity’s medical records. No one is safe from a security breach. You only control 10-15% of your personal info. Everything and everyone seems to have your personal information—statements with financial info; every company you’ve done business with, every doctor, dentist, medical facility, insurance agent, tax preparer, and all federal, state, and local agencies. Jay wants you to know how security breaches occur—it’s as easy as losing your thumb drive or hiring a temporary worker whose real purpose is to obtain data that can be sold and resold and sold again. This conversation holds your attention and keeps you on the edge of your seat.
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Your Questions Answered
November 16 , 2008 Safeguarding your Social Security number; identity theft email scams and phishing; tips to prevent identity theft; easy ways thieves get personal and financial information
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Cut the Cost of Military Family Purchases
November 9, 2008 - Karen Jowers covers Issues and topics affecting you military families, ranging from child care and housing, to education and spouse employment, for the Military Times newspapers – Air Force Times, Army Times (where she’s known as Sergeant Shopper), Marine Corps Times, and Navy Times. She also writes a consumer column for the papers aimed at pointing service members and their families to good deals on and off base, and warning them about financial pitfalls. Karen discusses how to cut the cost of your family purchases, some times using coupons and comparative shopping. Below are several websites Karen says will help you lower the cost of groceries and other items.
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Council of Better Business Bureaus’ Military Line
November 9, 2008 - “Servicemembers and their families should know about the free services that are available to them from BBB,” said Holly Petraeus, director of Military Line, with the Council of Better Business Bureaus. “Whether the topic is buying a car, avoiding identity theft or getting out of debt, BBB Military Line has advice that members of the military and their families can trust.” Servicemembers are targeted by unethical and predatory business practices; the BBB provides Reliability Reports on companies, enabling you to do business with those that uphold ethical standards. BBB is also a partner in the Department of Defense Financial Readiness Campaign. Military Line has a website specific to each branch of the armed forces. If you didn’t know these resources were available, you’re missing out, so visit Military Line today.
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Veterans Benefits
November 9, 2008 - Keith Pedigo is associate deputy undersecretary for policy and program management with the Department of Veterans Affairs in Washington, DC. Keith joined Home & Family Finance to discuss the benefits under his purview, as well as many of the changes taking place in this area of veterans’ affairs. While burial and memorial benefits, and health care are covered elsewhere by the VA, the following benefits were discussed: Compensation and Pension; vocational Rehabilitation and Employment; Education and Training; Home Loans; Life Insurance; and Dependants and Survivors. You’ll want to listen to this discussion, which includes upcoming changes to the Montgomery GI Bill and your education benefits.
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Navigating the Veterans Benefits Maze
November 9, 2008 - Many veterans are missing out on their fair share of federal and state benefits. Approximately 74.5 million people, or about a quarter of the U.S. population, are potentially eligible for veterans’ benefits. Only one-third of the 750,000 eligible Iraq and Afghanistan veterans have enrolled in VA health care-just one of many benefits. Guest Shad Meshad, founder and president of the National Veteran's Foundation, located in Los Angeles, California, sheds light on why veterans aren't applying for benefits they are entitled to and wants vets to know who to contact for help with any of their needs after their service to our country.
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Your Questions Answered
November 9, 2008 - Executive order eases federal employment for military spouses; new tax benefits for military families
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5 Questions to Ask About Any Credit Card
October 26, 2008 - Do you know what to look for in a credit card that will fit your needs? Some cards charge hefty interest rates; other “reward” cards aren’t as rewarding as they first seem. If you make a late payment, will your interest rate sky-rocket? Ruth Susswein, deputy director of national priorities for Consumer Action in its Washington, DC office, tells you what to ask yourself and the credit card company so you get the best card for you.
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20 Ways to Save on Prescription Drugs
October 26, 2008 - Some of Dr. Edward Jardini’s suggestions in his new book, How to Save on Prescription Drugs, may surprise you: decline free samples; eliminate medications. With Dr. Jardini’s advice, patients can take charge of their own health, prescriptions, and wallets, while enlisting their doctor’s support for the best possible health care at the lowest possible price. Ed Jardini, MD, is chief of family practice at Twin Cities Community Hospital in Templeton, California. Read the book; it can save you thousands of dollars a year.
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What Every Service Member Must Know to Build Credit, Step By Step
October 26, 2008 - Many military families, especially those with a spouse on active duty, face financial challenges: Among junior enlisted members of the military, 19 percent have failed to make minimum credit card payments; among junior enlisted members, 11percent have bounced checks; members of the military use payday loans three times as often as civilians. Those with severe financial problems can lose security clearances, face sanctions, limit advancement possibilities, or even be discharged. Frequent guest Ethan Ewing, president of Bills.com in San Mateo, California, gives a step-by-step guide on how to improve (or start building) your credit score. Ethan also describes what protections you have through the Soldiers and Sailors’ Civil Relief Act, how to protect yourself from identity theft, what to do if you are denied credit, and how to correct errors in your credit report.

Bills.com offers Operation Debt Storm (a program to help resolve debt and get personal finances in order). Operation Debt Storm provides personal finance tips, tools, calculators, a personal finance consultation, and a 16-page guide, "Debt Freedom: Budgeting & Financial Tools for Today’s Consumer" – all at no charge.
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Build Kids’ Money Skills With Halloween Fun
October 26, 2008 - Despite the sour economy, Americans are planning to spend more this year on Halloween treats. A new survey from Visa, inc. shows that 75% of Americans plan on celebrating Halloween and of those, they will be spending an average of $47 on candy and decoration – an increase of $7, or 18%, from 2007. Overall, Americans will spend over $5 billion this year on Halloween alone. To find out who spends more (men or women, young or old, urban or rural-dwellers, and folks with kids and those with none), listen to this robust interview with Jason Alderman, financial education director with Visa USA. Getting ready for Halloween provides an excellent teachable moment for parents to help instill in their children the value of budgeting and spending wisely. Jason presents several fun Halloween-prep activities guaranteed to improve your children’s money skills, while building excitement for this annual American tradition.
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How to Find Free Entertainment
October 26, 2008 - Buying foreclosed property; I.D. theft targets children; replacement cost and actual cash value homeowners’ insurance policies; and find out if your home is at risk of flooding
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Cooperatives – Good for You, Good for the Economy
October 19, 2008 - More than 800 million people around the world belong to cooperatives; at least 100 million of them are employed by co-ops. And more often than you probably realize, co-ops play a vital part of your everyday life and the life of our economy. 47,000 co-ops in the United States serve over 130 million people—more than 43 percent of the U.S. population.

Guest Paul Hazen, president and CEO of the National Cooperative Business Association, makes the case for citizens to use the purchasing power of cooperatives to make a difference in our economy and society.
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Avoiding Foreclosure – Get Foreclosure Counseling
October 19, 2008 - Guest Rick Harper, vice president and director of housing with the Consumer Credit Counseling Service in San Francisco, California, shares advice on what you should do if you are having difficulty making mortgage payments or are already in foreclosure and what resources are available to help you if you are in trouble. Rick also dispels some myths about foreclosure you’ll want to hear.

Be sure the counseling agency you choose provides mortgage delinquency and default counseling (as opposed to, say, only home-buyer education). Housing and credit counseling services are usually free or low cost. The U.S. Department of Housing and Urban Development (HUD) maintains a list of HUD-approved housing counseling agencies, which you can check yourself, on the HUD Web site or by calling 800-569-4287.
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Buying Foreclosed Home Not a Slam Dunk
October 19, 2008 - In the case of mortgage foreclosures, you can buy a property in four ways, according to Gary Painter, PhD, professor and director of research at the Lusk Center for Real Estate at the University of Southern California in Los Angeles. Some methods hold greater risk for the buyer. If you want a smooth path to homeownership with the purchase of a foreclosed home, you must listen to this interview with Dr. Gary Painter.
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No Cost Ways to Keep Your Trick-or-Treaters Safe This Halloween
October 19, 2008 - Frail skeletons and fluorescent jack o' lanterns decorate homes, while children disguised as witches, ghosts and goblins begin flocking out onto neighborhood streets in search of treats. As Halloween approaches, Scott Wolfson, deputy director in the Office of Information and Public Affairs with the U.S. Consumer Product Safety Commission, wants you to know that like children, Halloween's hidden dangers also come in disguise.
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How to Find Free Entertainment
October 19, 2008 - Entertainment is a cost we can cut, but there are ways to fit in a lot of fun for little or no money, prompted City & County Credit Union member and Home & Family Finance listener Kris, from North Saint Paul, Minnesota. Susan Tiffany, director of personal finance information for adults in the Center for Personal Finance at the Credit Union National Association in Madison, Wisconsin, runs with Kris’s idea and shares ways you may not have thought of to find fun activities in your area for little or no money.
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Celebrating 100 Years of Credit Unions in the United States - International Credit Union Day
October 12, 2008 - Ron Rioux, president and CEO of St. Mary’s Bank—the first credit union in the United States—joins host Paul Berry from Manchester, New Hampshire. Ron has happily become quite the historian since assuming the helm of St. Mary’s 14 years ago. He takes us back to 1908 and the creation of St. Mary’s to answer the question usually on the minds of the uninitiated, “Why is St. Mary’s called a bank and not a credit union?” From there, Ron describes the original mission of the credit union and the roles specific people played in its development. You’ll enjoy the journey, which culminates with a discussion of present-day initiatives.
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9 Tips for Buying the Right New or Used Car
October 12, 2008 - No one wants to make a mistake with their hard-earned cash today. Ken Wandstrat, affiliate program manager at Bills.com, knows a thing or two about getting the best deal in today’s market. Vehicles are not selling. If you have the money, now is the time to buy. If you need financing, though credit is tight, dealerships want to help. Regardless of your financial condition, you won’t want to ignore these tips.
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Myth Busters on Auto Fuel Efficiency
October 12, 2008 - When the Alliance to Save Energy conducted consumer market research to guide its Drive $marter Challenge campaign, drivers raised a number of common gas and fuel-efficiency questions and myths. For answers, the Alliance sought answers from Consumer Reports, which has conducted recent vehicle testing, the U.S. Environmental Protection Agency (EPA), and the American Petroleum Institute (API). Jessica Lin, a communications associate with the Alliance to Save Energy, reveals facts on auto fuel efficiency that you do not know; that’s a fact.
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AARP Tax-Aide: Tax Counseling for the Elderly
October 12, 2008 - Three million citizens had their 2007 income taxes prepared FREE by AARP Tax-Aide volunteers this year. The Internal Revenue Service trains AARP tax preparers—over 33,000 this year. You can have your taxes prepared and electronically filed at no charge, too. Find out how, or learn about volunteering, with guest Bonnie Speedy, national director of AARP’s Tax-Aide Program and vice president of the AARP Foundation.
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This week’s H&FF Radio show is devoted entirely to the current fiscal crisis. Three guests give an in-depth analysis of the health of the economy, how recent rescue efforts measure up, and what Wall Street bailouts mean for Main Street.

The U.S. Economy's Health
October 5, 2008 - Mike Schenk, vice president of economics and statistics in the Madison, Wisconsin office of CUNA, reveals several of the underlying causes leading to the current state of our country’s economy. Mike also delivers the good news about credit unions, which have been part of the solution, rather than part of the problem, during the fiscal emergency.
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What a Financial Bailout Means for You
October 5, 2008 - The refrain from the Toby Keith song, “What About Me?” must be close to the question each of you has asked during the days preceding Congressional passage of bailout legislation. “We are shoring up Wall Street, but what about my family’s needs? How will we be helped by this plan? Will we be helped by this plan?” Stephen Brobeck, executive director of the Consumer Federation of America, the nation’s largest consumer advocacy organization, answers the questions that have been on your mind. Not only that—Steve tells steps you can take to improve your finances.
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Will a Financial Rescue Plan Work?
October 5, 2008 - - Michael Farr is president and majority owner of investment firm Farr, Miller & Washington LLC. He also is commentator and host on media outlets such as CNBC, Bloomberg, CNN, Reuters, among others, and on programs such as The Nightly Business Report on PBS. Michael discusses whether the rescue plan will prove successful; what government, bank, and market actions might break the cycle of collapse; and the plan’s affect on you.
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