The Earth is the Lord's,
and the fulness thereof;
Christ.com: Contents
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Lord of Hosts

Business News

Washington Post:Personal Finance
Our news section is a collection of mostly unfiltered and g-rated news links, with both Christian and secular authors. We are linking to several news feeds, with each news provider supplying their own view of the world. The views range politically from the New York Times on the left (far left?), to the World Net Daily, which leans toward the right, so politically we have the far left to the far right represented here...

Most "news feeds" from news providers (like the Washington Post) require that the feed be published without editing, so we do not have the ability to accept or reject specific news items. When we do carry a "news feed" from a specific news provider, we do not filter the news links, so (as usual, and often said) "We do not necessarily agree with the views, opinions, morals, politic party, denomination, or expression of spiritual gift." This is a general mix of Christian and secular links, with both highlights and lowlights.

My prayer is that Christ would be glorified by the political discussion on issues that relate to God's people. It is clear that He is indeed glorified through our debate on issues like abortion, faith in public places, and other hot button issues for the Church.

To close this message, we would like to offer this prayer: Father, we thank You and praise You for the ability to read and hear the news around the world. Help us Lord to understand the news, and teach us how to respond to events in the news according to your will (e.g. leave a donation at your local Bible believing Church, volunteer at food bank...). Help us to grow in faith, as we read, hear, and see news that challenges our beliefs. Help us to use these tests as a means of spiritual growth as we study Your Word. And bring peace to the world, Lord, which we know is coming through You. We ask this in the name of Your Son Jesus Christ. Amen.









Bible Out of Context

Random Quotes from the Bible

   1From whence come wars and fightings among you? come they not hence, even of your lusts that war in your members?
   2Ye lust, and have not: ye kill, and desire to have, and cannot obtain: ye fight and war, yet ye have not, because ye ask not.
   3Ye ask, and receive not, because ye ask amiss, that ye may consume it upon your lusts.
KJV: James 4:1-3

   1What is the source of quarrels and conflicts among you? Is not the source your pleasures that wage war in your members?
   2You lust and do not have; so you commit murder. You are envious and cannot obtain; so you fight and quarrel. You do not have because you do not ask.
   3You ask and do not receive, because you ask with wrong motives, so that you may spend it on your pleasures.
NASB: James 4:1-3

   1What causes fights and quarrels among you? Don't they come from your desires that battle within you?
   2You want something but don't get it. You kill and covet, but you cannot have what you want. You quarrel and fight. You do not have, because you do not ask God.
   3When you ask, you do not receive, because you ask with wrong motives, that you may spend what you get on your pleasures.
NIV: James 4:1-3



...Random blessings from the Word of God...

Put His Word in the context of your life!

www.Christ.com







The Canon of the New Testament: Its Origin, Development, and Significance (Paperback) by Bruce M. Metzger



The Revised and Expanded Answers Book: The 20 Most-Asked Questions About Creation, Evolution, & the Book of Genesis Answered (Paperback) by Ken Ham (Editor), Jonathan Sarfati, Carl Wieland, Don Batten (Editor)





Bible Out of Context

Random Quotes from the Bible

   3Whose adorning let it not be that outward adorning of plaiting the hair, and of wearing of gold, or of putting on of apparel;
   4But let it be the hidden man of the heart, in that which is not corruptible, even the ornament of a meek and quiet spirit, which is in the sight of God of great price.
KJV: 1 Peter 3:3-4

   3Your adornment must not be merely external--braiding the hair, and wearing gold jewelry, or putting on dresses;
   4but let it be the hidden person of the heart, with the imperishable quality of a gentle and quiet spirit, which is precious in the sight of God.
NASB: 1 Peter 3:3-4

   3Your beauty should not come from outward adornment, such as braided hair and the wearing of gold jewelry and fine clothes.
   4Instead, it should be that of your inner self, the unfading beauty of a gentle and quiet spirit, which is of great worth in God's sight.
NIV: 1 Peter 3:3-4



...Random blessings from the Word of God...

Put His Word in the context of your life!

www.Christ.com







The Case for Christ: A Journalist's Personal Investigation of the Evidence for Jesus (Paperback) by Lee Strobel



Ashamed of Joseph: Mormon Foundations Crumble (Paperback) by Charles Crane, Steven Crane





Bible Out of Context

Random Quotes from the Bible

   13For thou hast possessed my reins: thou hast covered me in my mother's womb.
   14I will praise thee; for I am fearfully and wonderfully made: marvellous are thy works; and that my soul knoweth right well.
KJV: Psalm 139:13-14

   13For You formed my inward parts; You wove me in my mother's womb.
   14I will give thanks to You, for I am fearfully and wonderfully made; Wonderful are Your works, And my soul knows it very well.
NASB: Psalm 139:13-14

   13 For you created my inmost being; you knit me together in my mother's womb.
   14 I praise you because I am fearfully and wonderfully made; your works are wonderful, I know that full well.
NIV: Psalm 139:13-14



...Random blessings from the Word of God...

Put His Word in the context of your life!

www.Christ.com







1 & 2 Thessalonians (The Macarthur N. T Commentary Series) (Hardcover) by Jr. John MacArthur



God's Words of Life from the NIV Women's Devotional Bible 2 (Hardcover) by Zondervan





Bible Out of Context

Random Quotes from the Bible

Children, obey your parents in all things: for this is well pleasing unto the Lord.
KJV: Colossians 3:20

Children, be obedient to your parents in all things, for this is well-pleasing to the Lord.
NASB: Colossians 3:20

Children, obey your parents in everything, for this pleases the Lord.
NIV: Colossians 3:20



...Random blessings from the Word of God...

Put His Word in the context of your life!

www.Christ.com







The Complete Vocabulary Guide to the Greek New Testament (Hardcover) by Warren C. Trenchard



The End Times Controversy: The Second Coming Under Attack (Tim Lahaye Prophecy Library) (Paperback) by Tim F. LaHaye (Editor), Thomas Ice (Editor)



Washington Post:
Personal Finance

Wash Post Personal Finance

washingtonpost.com

  • The Bite of Bank Fees (Sun, 28 Jun 2009 00:00:00 EDT)
    Your bank wants more of your money, and it's found a way to get it: by jacking up the fees on your account.Customers are paying more to maintain a checking account, withdraw cash from an out-of-system ATM, and when they bounce a check.


  • The Right Direction Starts With the Right Decisions (Sun, 28 Jun 2009 00:00:00 EDT)
    Over the years, I've found that people end up in financial trouble not only because they don't have enough money. It's also because of poor decision-making.


  • Featured Advertiser (Sun, 28 Jun 2009 00:00:00 EDT)

  • If You Lose Your Job, Your Bills Could Still Be Covered (Sun, 28 Jun 2009 00:00:00 EDT)
    Lots of us are worried about job security these days. But retailers and service purveyors still want you to open your wallet.


  • Forget Tenure Track: Colleges Should Track Performance (Sun, 28 Jun 2009 00:00:00 EDT)
    Q I am a young assistant professor, and I feel that professional advancement and higher earnings for myself and my peers are blocked by the refusal of aging, tenured professors to retire -- even those who everyone thinks have lost their passion for teaching and research. Do you think lifetime tenure...



  • Financial Lessons From Michael Jackson (Thu, 02 Jul 2009 09:58:29 EDT)
    Chat Today Join me today for what I'm sure will be a spicy discussion of my latest pick for the Color of Money Book Club. New York Times reporter Edmund L. Andrews will be joining me as a guest for today's discussion at Noon ET. His book "Busted: Life Inside the Great Mortgage Meltdown" was the J...


  • The Color of Money: Michael Jackson's Money Woes and the Dangers of Entitlement (Thu, 02 Jul 2009 00:00:00 EDT)
    Long before his death, we heard more about Michael Jackson's financial troubles than his incredible music. The singer was reportedly more than $300 million in debt.


  • Crib? Check. Toys? Check. Don't Forget a Budget, A Will and Insurance. (Sun, 28 Jun 2009 00:00:00 EDT)
    Here are four financial items no new parent should go without.


  • Using an HSA While on Medicare (Sun, 28 Jun 2009 00:00:00 EDT)
    Q My wife and I turn 65 this year and will sign up for Medicare. Will we still be able to use the money in our health savings account?



  • If the Shoe Fits (Thu, 25 Jun 2009 16:26:16 EDT)
    For some women, the unthinkable is about to happen.


  • The Mindset To Make It Through: Tips on Surviving the Recession (Sun, 21 Jun 2009 00:00:00 EDT)
    Celeste Owens, a licensed psychologist and former faculty member at the University of Maryland, answers questions from people struggling to survive in this economy.


  • Get Smarter With College Savings Plans (Sun, 21 Jun 2009 00:00:00 EDT)
    If you are saving for college in a 529 plan, you probably took a bigger hit than you expected during the 2008 market crash.


    Featured Advertiser
    The best thing you can do to minimize your risk of identity theft is ensure that your personal information is secure. It is very often small acts of criminal mischief that result in years of hardship for individual consumers. Applying common sense can provide a measure of identity theft protection.

    1. Don't leave your financial paperwork lying around your house. Store paperwork with personally identifying information in a filing cabinet that is secured with a tamper-proof lock.

    2. Never reveal any personal information to anyone who has called or e-mailed you. Ask them to send their request to you in writing through the mail.

    3. Sign up for a credit monitoring service. It is a great way to track your credit improvement and stop identity theft.

    Additional Resources
    Proactive identity theft protection with Lifelock
    Monitor your credit score to track improvement and spot identity theft red flags
     

  • Where Kids Learn All About The Bulls and the Bears (Sun, 21 Jun 2009 00:00:00 EDT)
    Long division or long stock position? Both are part of the curriculum at Chicago's Ariel Community Academy, a public school sponsored by Ariel Investments, where the kids are managing real-life portfolios.



  • Small-Cap in Name Only: Fund Defies Its Way to Recent Success (Sun, 21 Jun 2009 00:00:00 EDT)
    What's in a name? Not much, apparently, when it comes to Intrepid Small Cap (symbol ICMAX). The $88 million fund holds some decidedly big companies, such as Newmont Mining (market capitalization: $20 billion) and the Dutch brewer Heineken ($16 billion). Unable to find stocks that met his criteria,...


  • Asking Teens to Chip In (Sun, 21 Jun 2009 00:00:00 EDT)
    Q Is it fair of my husband and me to insist that our teenage children contribute some of their after-school and summer earnings to our family budget? We're a family of modest means.


  • Searching for Signs of Economic Rebound? Here's Your Scorecard. (Sun, 21 Jun 2009 00:00:00 EDT)
    When three of these six benchmarks turn around, you'll know the recovery is well underway.


  • Credit Score Shell Game (Sun, 21 Jun 2009 00:00:00 EDT)
    As banks tighten their lending standards, one number is playing an increasingly critical role in determining the financial fortunes of consumers: the credit score.



  • Color of Money Live (Thu, 16 Jul 2009 12:00:00 EDT)
    Personal finance columnist Michelle Singletary will answer your personal finance questions and discuss other money matters.


  • Will Work for Free (Thu, 18 Jun 2009 11:10:17 EDT)
    With paid jobs still hard to find, laid off workers, post-graduates and career professionals are increasingly choosing to work for free.


  • Investors Again Seeking Low-Risk Commodities (Sun, 14 Jun 2009 00:00:00 EDT)
    As investors spy a growing number of hints that the economy may be nearing a bottom, they are regaining their appetite for commodities. Prices for gold and oil have shot up recently, and the broad-based Dow Jones-UBS Commodity Index, which plunged 54 percent from July 2008 through February, has...


  • Michelle Singletary's Color of Money Challenge: Waiting for Work (Sun, 14 Jun 2009 00:00:00 EDT)
    Bobbie and Juan Wilson Ages: Bobbie is 38, and Juan is 35.



  • Michelle Singletary's Color of Money Challenge: Waiting for Work (Sun, 14 Jun 2009 00:00:00 EDT)
    Rick Rose Age: 44 Background: Rose lives alone in his District condominium. He was earning $85,000 a year as a communications director for a nonprofit organization until it lost funding and had to downsize. An extended period of joblessness ate away at his savings, forcing him to file for...


  • Saving Strategies (Thu, 11 Jun 2009 14:09:21 EDT)
    The recession is forcing many people to find ways to save money, so last week for my Color of Money Question I asked: What's the weirdest, cheapest, or most miserly thing you've done to save a buck or cope with this recession? Here's how you responded:


  • Michelle Singletary's Color of Money (Thu, 11 Jun 2009 00:00:00 EDT)
    Tax-return preparers may soon be subject to training, licensing and federal oversight.


  • Rules Vary Among Advisers (Sun, 07 Jun 2009 00:00:00 EDT)
    Are financial advisers legally required to put your interests ahead of their own?



  • Some Wonder If Bond Market Has Reached Its Tipping Point (Sun, 07 Jun 2009 00:00:00 EDT)
    A 27-year bull market in bonds is over and a brutal bear market is under way, says Tom Atteberry, co-manager of FPA New Income. That's bad news for bond investors, particularly those holding Treasurys and municipal IOUs.


  • Are Divorce Laws Fair? (Sun, 07 Jun 2009 00:00:00 EDT)
    Q My husband and I are splitting up after 15 years of marriage, with no children. We started out with nothing, but due to my success in business, we accumulated several million dollars' worth of assets. He worked at home all those years, doing freelance writing and managing our household. Now he...


  • Defining Differences: Cheap vs. Frugal (Thu, 04 Jun 2009 10:28:18 EDT)
    What's the difference between being frugal and being cheap asks retail reporter Ylan Q. Mui, who calls herself a spendthrift.


  • Michelle Singletary's Color of Money (Thu, 04 Jun 2009 00:00:00 EDT)
    Here we go again. Another major corporate bankruptcy and a once-stellar stock worth less than four rolls of one-ply toilet paper. There's much concern for General Motors employees, dealers and customers -- and for good reason. But what happens to GM stockholders? Well, let me tell you what's...



  • Parents Need To Take Charge Of New Power (Sun, 31 May 2009 00:00:00 EDT)
    Parents should be particularly elated about one section of the freshly adopted credit card law that could keep young people out of debt.


  • Featured Advertiser (Sun, 31 May 2009 00:00:00 EDT)

  • Making Your House Work: Offer It as a Vacation Rental (Sun, 31 May 2009 00:00:00 EDT)
    You don't need a second home to cash in on the burgeoning vacation-rental market. "It's becoming more popular for people to vacate their primary homes for renters," said Christine Karpinski, author of "How to Rent Vacation Properties by Owner" (Kinney Pollack, $26).


  • Money Fund Managers Beat Regulators to the Punch (Sun, 31 May 2009 00:00:00 EDT)
    Long accustomed to thinking of money-market funds as the stodgy gray suits in their investment wardrobe, investors were stunned last fall to discover those funds were more risque than they appeared.


  • Mistakes to Avoid in Trying To Cut Health-Care Costs (Sun, 31 May 2009 00:00:00 EDT)
    If you're looking for ways to trim health-insurance costs, here are a few pitfalls to avoid.



  • Homegrown Businesses Feel Left Out (Sun, 31 May 2009 00:00:00 EDT)
    QMy community offers lavish tax breaks and free public services to any business that will move here from somewhere else. But I can't get any help for growing my established company, which has been paying taxes and employing local people for years. (And the new businesses will probably hire away m...


  • New Credit Card Terms Cause New Disputes (Thu, 28 May 2009 09:48:28 EDT)
    I was deluged with e-mails from many credit card users who were incensed at my recent column.


  • Housing Bust Leaves Most Sellers at a Loss (Mon, 25 May 2009 00:00:00 EDT)
    Never mind a profit. Breaking even would have been nice.


  • Revealing the Hidden Cost Of Credit Cards (Sun, 24 May 2009 00:00:00 EDT)
    Credit card users who crow that they're seldom charged interest on purchases because they pay their bills on time may not be able to crow much longer. President Obama is about to sign into law new restrictions on the credit card industry that lenders say may lead to the return of widespread annua...



  • Families, Finances and Dementia (Sun, 24 May 2009 00:00:00 EDT)
    It's a nightmare for families and their financial advisers: a parent or client with Alzheimer's and significant money to manage.


  • Divvy Up Savings to Maximize Goals (Sun, 24 May 2009 00:00:00 EDT)
    Americans have finally gotten religion when it comes to savings. After dropping to 0 percent in recent years, the personal-savings rate jumped to more than 4 percent early in 2009.


  • Putnam Chief Says Worst Is Likely Over (Sun, 24 May 2009 00:00:00 EDT)
    Robert Reynolds has been president and chief executive officer of Putnam Investments since the middle of last year. He recently chatted with a group of Kiplinger's editors:


  • What You Need to Know About the Thrift Savings Plan (Sun, 24 May 2009 00:00:00 EDT)
    Q I invested in my former employer's 401(k) plan for years, then lost my job. I now work for the federal government and have the opportunity to invest in the Thrift Savings Plan. How does this plan work, and can I roll my 401(k) money into it?



  • Change Is Coming to Your Wallet (Sun, 24 May 2009 00:00:00 EDT)
    President Obama on Friday signed into law a bill that will restrict how credit card companies can raise interest rates and charge fees. The legislation, written by Sen. Christopher J. Dodd (D-Conn.), also forces companies to simplify terms and conditions of contracts. Analysts said the law will t...


  • Book Review: 'The First Tycoon' by T.J. Stiles (Sun, 24 May 2009 00:00:00 EDT)
    In "The First Tycoon," historian T.J. Stiles reassesses Cornelius Vanderbilt's life and influence.
  • It's the Poor Who Pay More (Thu, 21 May 2009 09:04:39 EDT)
    The writer James Baldwin said, "Anyone who has struggled with poverty knows how extremely expensive it is to be poor."
  • Necessity or Luxury? Please Redefine. (Thu, 21 May 2009 00:00:00 EDT)
    A Time magazine cover this spring featured a glass jar partially filled with coins labeled "The New Frugality."

  • U.S. May Add New Financial Watchdog (Wed, 20 May 2009 00:00:00 EDT)
    The Obama administration is actively discussing the creation of a regulatory commission that would have broad authority to protect consumers who use financial products as varied as mortgages, credit cards and mutual funds, according to several sources familiar with the matter.
  • Right Steps to Take Before Disputing a Credit Error (Sun, 17 May 2009 00:00:00 EDT)
    If you believe an error has been made on your credit report, you can dispute it.
  • Tax Breaks for Refinancing (Sun, 17 May 2009 00:00:00 EDT)
    Are there any special tax breaks for people who refinance their mortgage this year?
  • REITs May Be Good Bet Despite Recession Woes (Sun, 17 May 2009 00:00:00 EDT)
    Real estate investment trusts may be back from the abyss, but that doesn't mean they're back to normal. Between March 6, when the group bottomed, and May 6, the MSCI U.S. REIT index surged 48 percent, an indication that the worst may be over. Nevertheless, investors looking for the kind of steady,...

  • Toxic Plastic (Sun, 17 May 2009 00:00:00 EDT)
    Congress is on the verge of passing legislation that would transform the way credit card companies and consumers interact.
  • Plan to Encourage Banks to Allow Short Sales (Fri, 15 May 2009 00:00:00 EDT)
    Banks could get government incentive payments for allowing borrowers to sell their home at a loss rather than go through foreclosure, under new guidelines issued yesterday for the Obama administration's $75 billion housing plan.
  • Diner Dilemma: Splitting the Check (Thu, 14 May 2009 10:44:21 EDT)
    In a tight economy some people will do anything to save some money, including shorting their fellow diners.
  • Be Careful Online: Not Everyone Is a True 'Friend' (Thu, 14 May 2009 00:00:00 EDT)
    After much hesitation, I finally set up a Facebook account.

  • White House Presses For Senate Passage Of Credit Card Bill (Thu, 14 May 2009 00:00:00 EDT)
    The Senate and White House worked feverishly yesterday to ensure passage of a bill that would prohibit many unpopular credit card industry practices, including arbitrary interest rate increases.
  • Key Senators Reach Compromise on Credit Card Legislation (Tue, 12 May 2009 00:00:00 EDT)
    The top senators on the Senate Banking Committee have reached a compromise on a bill that would protect consumers from abusive credit card industry practices, increasing the likelihood that the Senate will pass it as early as this week.
  • 529 College-Savings Plans Require Vigilance (Sun, 10 May 2009 00:00:00 EDT)
    If you're a parent or a college student and you're worried about the escalating cost of a higher education, you've probably wondered how to pay for what could be the second most expensive purchase in your life after your home.
  • How Trouble Gives Way To New Trials (Sun, 10 May 2009 00:00:00 EDT)
    After all the blood, tears and recriminations, is the Great Recession over?

  • Despite Catchy TV Ads, Credit Report Is Not Free (Sun, 10 May 2009 00:00:00 EDT)
    If you've seen any of the commercials for FreeCredit-Report.com, it probably took days to get the jingle out of your head. The catchy TV spots, on air since 2007, are cautionary tales about the repercussions of bad credit. But don't get carried away by this siren song. Run by Experian -- one of t...
  • How Investors Should Approach Today's Stock Market (Sun, 10 May 2009 00:00:00 EDT)
    We sat down with Diane Garnick, investment strategist for Invesco, a global money-management firm, at the CFA Institute's annual conference in Lake Buena Vista, Fla., to find out how she thinks investors should be approaching the stock market today.
  • Ask Kim: Long-Term-Care Coverage (Sun, 10 May 2009 00:00:00 EDT)
    QWhat is the rule of thumb for the assets you need to self-insure against potential long-term-care costs versus paying premiums for long-term-care insurance?
  • It's a Tightly Wrapped World (Sun, 10 May 2009 00:00:00 EDT)
    For Part III of Lessons from the Meltdown, we look at the tight interconnectedness of the world economy.

  • Morningstar Sizes Up Area's College Savings Plans (Sun, 10 May 2009 00:00:00 EDT)
    Here's what Morningstar had to say about the 529 plans for Virginia, Maryland and the District.
  • Morningstar's Picks (Sun, 10 May 2009 00:00:00 EDT)
    Best 529 College-Savings Plans and Their Managers Ohio CollegeAdvantage,
  • Stocks Go Down, Complaints Go Up (Sun, 10 May 2009 00:00:00 EDT)
    A lot of investors are blistering mad, not only about the sorry state of their portfolios but also about the investment advice they got on the way down. Their discontent drives a search for scapegoats -- someone to blame for lost wealth. But it goes even deeper: Many investors are finding grounds...
  • Recession Coping Strategies (Thu, 07 May 2009 09:26:34 EDT)
    Are you stressed about the recession? I've been increasingly receiving e-mails from people having trouble dealing with the emotional trauma of losing a job or losing so much of their retirement savings. I can help with the financial fallout -- giving you ways to trim your budget, etc. -- but to...

  • Easy Credit: Our Nation's Downfall (Thu, 07 May 2009 00:00:00 EDT)
    I have no doubt that those working to reform the credit card industry mean well. But neither Congress nor the president can fix the fixation that many Americans have with using credit rather than cash.
  • How Madoff Became an Equal Opportunity Thief (Sun, 03 May 2009 00:00:00 EDT)
    The infamous Bernard L. Madoff will no doubt be a boon to the book industry.
  • 5 Steps to Getting Started on Next Year's Taxes (Sun, 03 May 2009 00:00:00 EDT)
    Now that you've finished filing your 2008 tax return, it's the perfect time to think about next year's effort.
  • With Eveillard's Exit, a New Era for First Eagle (Sun, 03 May 2009 00:00:00 EDT)
    One of the most illustrious careers in the history of the mutual fund business has come to a close with Jean-Marie Eveillard's exit -- for the second time -- as manager of First Eagle Global (symbol SGENX). Eveillard ran First Eagle from January 1979 through March, except for a two-year interlude...

  • A Cash Lesson From the Meltdown (Sun, 03 May 2009 00:00:00 EDT)
    Here is Part II of Lessons From the Meltdown. This week's teachable moment: Cash is never trash.
  • In Credit Crisis, More Investors File Suit (Sun, 03 May 2009 00:00:00 EDT)
    Stephanie Plancich tracks securities class-action suits for NERA, an international economics consulting firm.
  • Stocks in Review (Sun, 03 May 2009 00:00:00 EDT)
    U.S. stocks rose last week, completing the biggest monthly advance in nine years as first-quarter earnings beat analysts' estimates at two-thirds of the companies in the Standard & Poor's 500-stock index that released results.
  • Can Your Savings Hurt the Economy? (Thu, 30 Apr 2009 12:31:15 EDT)
    Did you know that increasing your savings is detrimental to the economy? Shame on you.

  • Damage Control for Your Credit Score (Thu, 30 Apr 2009 00:00:00 EDT)
    Many credit card users are in a panic as lenders snatch away long-held but unused credit cards or significantly reduce their available credit lines.
  • Obama Outlines Credit Card Reforms (Thu, 30 Apr 2009 00:00:00 EDT)
    The Obama administration yesterday called for an end to unfair credit card industry practices such as retroactive interest rate increases for any reason, late-fee traps that penalize borrowers with weekend or middle-of-the-day deadlines and teaser rates that last less than six months.
  • Senators Decry Flipping Of Life Insurance Policies (Thu, 30 Apr 2009 00:00:00 EDT)
    A full-page ad in the Chicago Tribune invited people age 50 to 85 to come hear football great Mike Ditka and learn "WHY WALL STREET WANTS TO BUY YOUR LIFE INSURANCE POLICY."
  • Recession Has Changed Lifestyles, Poll Shows (Wed, 29 Apr 2009 00:00:00 EDT)
    The recession has forced a majority of Americans to alter their lifestyles, and many are upset about it, according to a Washington Post-ABC News poll. Still, many are optimistic about their financial prospects over the next year.

  • Investors Find Morbid Niche In Surrendered Life Insurance (Wed, 29 Apr 2009 00:00:00 EDT)
    While companies across the financial services industry were taking a beating last year, a firm in Waco, Tex., with a less than cheery way of making money was boosting its profit by 46 percent.
  • Taking a Swing At the Bullies Behind the Plastic (Sun, 26 Apr 2009 00:00:00 EDT)
    President Obama's meeting with the top credit card issuers reminds me of a principal calling the playground bully into his office.
  • Jane Bryant Quinn (Sun, 26 Apr 2009 00:00:00 EDT)
    Everything you thought you knew about diversification is wrong. So is everything you thought you knew about portfolio risk. It took the meltdown of September and October 2008 to flesh out the story, but the plot outlines have been in place since the 2000 tech-stock bust.
  • Market News, Delivered by Twitter (Sun, 26 Apr 2009 00:00:00 EDT)
    For investing geeks, Twitter can be a surprisingly efficient tool for monitoring the market's pulse.

  • Lesson From the Meltdown: Secret Deals Can Be Scams (Sun, 26 Apr 2009 00:00:00 EDT)
    If ever something could be considered a teachable event, it's the current financial tsunami. When it's finally over -- and let's hope the end comes sooner rather than later -- it will provide enough lessons to fill up a doctoral seminar. But you don't have to spend $50,000 for a year at some elite...
  • When Firms Are Hurting, the Pain Should Be Shared (Sun, 26 Apr 2009 00:00:00 EDT)
    Q What are the relative ethics of company-wide furloughs (mandatory time off without pay), salary reductions and permanent layoffs?
  • For Debt Help, Do Your Research (Sun, 26 Apr 2009 00:00:00 EDT)
    When you're looking for a firm to help you get out of debt, it's best not to rely on an Internet search. Instead, consider these steps:
  • Back Home to Roost (Sun, 26 Apr 2009 00:00:00 EDT)
    For five years, Felicia Brown had the luxury of living by herself in a three-bedroom townhouse in Upper Marlboro.

  • Credit Card Reforms Pressed by Obama (Fri, 24 Apr 2009 00:00:00 EDT)
    President Obama met with executives from 13 of the nation's largest credit card issuers at the White House yesterday and pressed them to curb excessive fees and provide consumers with more straightforward contracts.
  • Teaching Your Kids About Money (Thu, 23 Apr 2009 07:18:23 EDT)
    This week, authors Susan Beacham and Lynnette Khalfani-Cox are joinng me for a discussion on raising money-smart children. Their book series, "The Millionaire Kids Club," offers children 12 and under some entertaining lessons on how to spend, save, invest and donate. The series was my Color of Mo...
  • Michelle Singletary's Color of Money (Thu, 23 Apr 2009 00:00:00 EDT)
    It used to be that many folks didn't worry when money got tight because the minimum payments on their credit cards were so low.
  • Federal Program to Boost Private Lending Struggles to Get Money to Consumers (Thu, 23 Apr 2009 00:00:00 EDT)
    In its first two months, the government's signature initiative to support consumer lending has fallen well short of expectations, deploying only a fraction of the amount officials had hoped to extend to stimulate auto loans, student loans and credit card lending.

  • Help for Small Businesses (Sun, 19 Apr 2009 00:00:00 EDT)
    Wayne Salk was worried about whether he'd saved enough for retirement. But at 64, he wasn't sure how much longer he wanted to work as a distribution manager for a real estate magazine. "I'd been looking for a business for some time," says Salk, who lives in Sebastopol, Calif. Then he got a nudge ...
  • The Wait for Tax Refunds Is Three to Six Weeks After Filing (Sun, 19 Apr 2009 00:00:00 EDT)
    Q I filed my tax return a few weeks ago. When will I get my refund?
  • Longleaf Says it Holds a Portfolio of Great Firms at Cheap Prices (Sun, 19 Apr 2009 00:00:00 EDT)
    The market may finally be starting to cooperate with Mason Hawkins, one of the managers of Longleaf Partners. The fund was up 7.5 percent this year through last Monday. Last year, Longleaf (symbol LLPFX) shed 51 percent of its value -- 14 points worse than the index.
  • A Golden Age for Cheapskates (Sun, 19 Apr 2009 00:00:00 EDT)
    Jill Berry is always on the lookout for free things.

  • Temp Jobs Can Be Your Ticket to a Full-Time Gig (Sun, 19 Apr 2009 00:00:00 EDT)
    Marni Tamayo left a permanent job to take a contract gig in hopes of eventually landing the position she really wanted.
  • When You're Flush, But Acting Flat Broke (Thu, 16 Apr 2009 00:00:00 EDT)
    Denise Kimberlin and her husband, Craig, of Woodbridge are government contractors who make nice livings. They recently got raises. They don't fear losing their jobs.
  • Retirement Confidence at Record Low, Survey Says (Wed, 15 Apr 2009 00:00:00 EDT)
    The percentage of Americans who believe they have enough money to live comfortably in retirement has plummeted to a record low due to the recession, according to a survey released yesterday.
  • The Student Loan Industry Pushes Back (Tue, 14 Apr 2009 00:00:00 EDT)
    With the Obama administration proposing to overhaul the programs a majority of American students use to finance their college education, the student loan industry is fighting back.

  • The Color of Money: Debt Collectors (Sun, 12 Apr 2009 00:00:00 EDT)
    Whenever people ask me what they should do about their debts, I encourage them to call their creditors and do what they can to make good on their promise to pay.
  • Staying Covered After a Layoff (Sun, 12 Apr 2009 00:00:00 EDT)
    Most people are hit with a double whammy when they're laid off: Not only do they lose their income, but they also lose their employer-subsidized health insurance. The federal law called COBRA lets most people continue coverage with their employer's plan for up to 18 months after they lose or leav...
  • As Americans Cut Back, These Companies Are Cashing In (Sun, 12 Apr 2009 00:00:00 EDT)
    Consumers are eating in, holding on to their cars longer and cutting back on entertainment. That means companies that make pasta, sell replacement auto parts and let you stay home and watch a movie (no babysitter needed) are benefiting. So are discount retailers. And with the economy mired in rec...
  • Do You Qualify for Federal Mortgage Assistance Programs? (Sun, 12 Apr 2009 00:00:00 EDT)
    QHow can I find out whether I will qualify for help with my mortgage under the Obama administration's plan?

  • A New Set of Smart Investing Rules for the Post-Crisis Era (Sun, 12 Apr 2009 00:00:00 EDT)
    Do the old rules of investing still apply? "Buy and hold" has proved a good method for cutting your wealth in half. Regularly rebalancing a portfolio has sent money straight to sectors, such as financial-company stocks, that plunged steeply. And, though it's said that no one can successfully time...
  • Overdrawn, Mentally (Thu, 09 Apr 2009 10:35:28 EDT)
    Question 1: Are you feeling stressed, depressed, tired and on edge?
  • Before the Feature Film, a Message on Foreclosure Scams (Thu, 09 Apr 2009 00:00:00 EDT)
    In an effort to push people away from foreclosure scams, the Federal Reserve has commissioned a 30-second commercial to be shown in the nine states with the highest incidence of home foreclosures.
  • The Color of Money Book Club: Recommended Reading for Children (Sun, 05 Apr 2009 00:00:00 EDT)
    Beware parents, your children are under attack. The predators -- advertisers, credit card issuers, retailers -- are waging a war, and if they can get to your child early enough, they can do a lot of harm. So when you're tucking in your young ones at night and reaching for a bedtime story, add to ...

  • Investing After the Crisis, Price Matters Most (Sun, 05 Apr 2009 00:00:00 EDT)
    Here's one of Wall Street's best-kept secrets: If you were investing 30 years ago, your best choice, for the long run, would have been super-safe Treasury bonds. That's where the money turned out to be. Investors erred in their religious belief that stocks always outperform bonds, over holding...
  • Pass It On, Don't Move Out (Sun, 05 Apr 2009 00:00:00 EDT)
    If you intend to give your house to your kids and you want to save on estate taxes, consider establishing a qualified personal residence trust, or QPRT. You transfer title of your primary residence or vacation home into the trust. During the term of the trust, you can live in the house.
  • Big Bet on Banking Leads to Big Losses for Dividend Fund (Sun, 05 Apr 2009 00:00:00 EDT)
    Nothing has better exemplified the pitfalls of a strategy of owning dividend-paying stocks than the iShares Dow Jones Select Dividend Index Fund (symbol DVY). The exchange-traded fund tracks an index that invests in the stocks of the 100 highest-yielding U.S. companies that have maintained or...
  • Filing Tax Write-Offs After Ponzi-Scheme Losses (Sun, 05 Apr 2009 00:00:00 EDT)
    Q Can victims of the Bernie Madoff Ponzi scheme take a tax write-off?

  • Checking Out Colleges Without the Trip (Sun, 05 Apr 2009 00:00:00 EDT)
    A virtual campus tour can help cut the costs of actually visiting colleges and help winnow the preliminary list of potential choices.
  • Suffering and Hope (Sun, 05 Apr 2009 00:00:00 EDT)
    NEW YORK -- The first quarter ended on an upswing. But now comes the hard part: sustaining it.
  • Turning Age Into a Job-Market Asset (Sun, 05 Apr 2009 00:00:00 EDT)
    Richard Anton believes his age and experience are an advantage in looking for a job as a facilities manager. Yet he carefully cultivates an upbeat, energetic attitude -- and he did update his hair style recently to prepare for interviews.



  • God in the Wasteland: The Reality of Truth in a World of Fading Dreams (Paperback) by David F. Wells

    Darwin's Nemesis: Phillip Johnson And the Intelligent Design Movement (Paperback) by Rick Santorum (Foreword), William A. Dembski (Editor)





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