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- Release date: Tuesdays
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The Savings Game
For years, The Savings Game has laid down the basic principles of prudent financial planning and helped readers educate themselves about saving and investing. Columnists Elliot Raphaelson and Anya Kamenetz continue this tradition with fresh insights.
Elliot Raphaelson: Former bank executive, lecturer and Florida court mediator, Raphaelson has decades of experience observing the mistakes that savers and investors make.
Anya Kamenetz: Author of the popular book "Generation Debt," Kamenetz is an expert on the financial challenges facing young adults.
The Savings Game Samples
Your credit score is too important not to maintain
Your credit score will determine not only whether you can obtain credit, but also the cost of credit to you. The most commonly used credit score is the FICO score, computed by the Fair Isaac Corp., which is considered the industry standard.
Filing your 2011 tax return: Attention to detail can save you trouble, and possibly money
As usual, there are several changes in the tax code that may have an impact on your return. Certain changes, such as the creeping up of the standard deduction, will be apparent when you fill out your tax forms. Other changes may be confusing.
Variable annuities deliver little advantage for high cost
Many readers have written recently to ask whether they should buy variable annuities.
How new parents can save money
The dark economy has put a damper on Americans' parental urges. 1) Get creative with childcare. The cheapest childcare option, of course, is to have a grandparent or other relative who is willing to pitch in for free.
Expired debt coming back to haunt some through deceptive means
I have been a certified court mediator in Florida for more than 10 years. If you have outstanding credit card debts, and have failed to make your minimum payments, you should know that this could happen to you.
Pre-owned annuities deliver return with minimal risk
Most readers are looking for safe investments with a high rate of return. Many people own the rights to annuities, some of which have terms of up to 50 years, that guarantee monthly income.
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