What to do with $1,000 right now Here are eight smart ways to put that money to work and enjoy the results in days, not decades.
	How to salvage your retirement savings We've got 9 smart moves to stop the losses and grow your 401(k) and IRAs, no matter how bad the economy gets.
	Where to safely stash your cash Pick the right savings account, MMA or CD, and you'll earn a reasonable return with precious little risk.
	A budget can help you spend more wisely Stop scratching your head at the end of every month, wondering where all your money went. You need a spending plan.
	How to survive a bad economy Layoffs, pay cuts and other financial problems could be on the way. Our 6 smart moves will help you get through them.
	It's time to try an online bank They offer the best interest rates on just about every type of deposit. We'll show you how to sign up and get going.

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	Leave your money in money market funds The government is now insuring those deposits after the Lehman Brothers bankruptcy left one MMF short of assets.
	Go with a Roth IRA. There are many different types of IRAs, but for the great majority of savers, a Roth IRA is the best choice.
	Plan for health insurance before you retire With fewer than half of all employers still extending coverage to their retirees, you may need to buy a costly policy.
	Just say 'no' to annuities You might hear a lot about annuities, but there are better, safer and more profitable ways to save for retirement.
	Buy government bonds right from the Treasury It's the cheapest, easiest way to invest in all sorts of government debt, from savings bonds to T-bills.
	Make a donation to ModestNeeds.Org This philanthropic Web site provides households with money to pay for rent, utility bills, car repairs, a medical crisis or other urgent needs.

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	CD rates continue to fall Average CD rates are half what they were this time last year, with the average 12-month CD earning less than 2%.
	Overdraft charges cost young adults a bundle A new study says 18- to 24-year-olds are most vulnerable because they use their debit cards for lots of small transactions.
	It's official: We're in a recession Economists say the downturn began in December 2007 and will last until next summer, maybe longer.
	Don't lose your home and retirement There's a growing worry that desperate homeowners are tapping their 401(k) plans to keep up with rising mortgage payments.
	How do your savings stack up? Here's an easy way to tell whether you're building wealth more, or less, quickly than others your age.
	Use a Roth IRA for your rainy-day fund The ability to withdraw contributions anytime you need the money makes it a profitable alternative.

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