Remember that if you get a discounted rate on your loan, you're paying for it elsewhere, says Dr. Don.
Americans are carrying more than $810 billion in revolving debt. If you owe an all-too-large chunk of that, you're in trouble. But it's never too late to turn things around.
What's new on optional equipment lists?

From cooled and heated cup holders to imaging systems that let you see beyond your headlights' reach, auto manufacturers always have something new for you to buy.
Haven't amassed a huge nest egg? That doesn't mean you can't retire, but you might have to fall back on Plan B.
It all adds up, from lighting to bedding to a Foosball table.
Banks say new rules are a bonus, consumer advocates say otherwise.
Money-saving tips for managing your home energy expenses.
Tips for filling Sally's new backpack with school supplies without breaking the bank.
As the 2006 hurricane season approaches, here's what you need to do now to protect your home and finances.
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Man's best friend may be your policy's worst enemy. Insurers are demanding higher rates from, and sometimes refusing coverage to, people who own specific canine breeds.
If you have abundant equity and only need a fraction, it's a no-brainer, says Dr. Don. Go with the equity loan, and make a vow you don't run up the debts again.
It's hard to see why you would want to take on additional risk, says Dr. Don.
New CEO disclosure rules won't fix the system

They will make future annual reports and proxy statements a thrill to read, but they don't go far enough to fix the problem.
If you're moving money from a traditional IRA to a Roth, the income tax on this transfer can be offset with the hybrid car tax credit, says CPA George Saenz.
Bankrate's expert panel predicts where rates are headed on certificates of deposit.
Like treasure and trash, what constitutes a "good" credit score depends on whom you ask.





