When something you use again and again is on sale, take advantage. This strategy doesn't apply to perishable items, and you don't want to buy so much more than you need just to get a deal, but if you know you're going to use a product eventually, it pays to take advantage of the cheaper price.

Knowing where you stand in your quest to accumulate enough money for retirement is an incredibly important part of the planning process.

Anything past 90 days constitutes 'severe,' but all late payments stay on your report for seven years if reported.

If you haven't gotten a raise in the past couple years for a job well done, it might be time to ask for one.

Advances in technology - hugely beneficial though they are - render us vulnerable in new ways. For instance, our interconnected world depends on elaborate networks: electric power grids, air traffic control, international finance, just-in-time delivery, and so forth.

You got paid on Friday, go for a late-night poker game, and have no money on Saturday. But the RSC took your rent out of the paycheck, so at least you had a place to sleep.

Yahoo is free, it's fast and it's Web-centric. AOL is slow, it costs money and requires proprietary software.

Libertarians know that a free country has nothing to fear from anyone coming in or going out - while a welfare state is scared to death of poor people coming in and rich people getting out.