The tempting sales keep coming, but you've already spent your holiday-gift budget. If you can't resist, at least resist those store-credit-card offers. The 10-percent-off deals sound good, but each card you get will lower your credit score by as much as 12 points, says consultant Stephen Snyder (every 50 or so points your credit score drops can cost you as much as $110 in extra monthly mortgage payments on a $150,000 loan).Don't just cancel the cards you've taken out right away; that can...
Remember all those big promises you made to yourself last week to kick off the new year, like quitting smoking and getting in shape? If you find yourself slipping a bit already, check out myGoals.com.
Rates this fall for natural gas may jump by more than a third over last year. What to do? Shop, of course. You can buy a programmable thermostat for under $60 at most hardware stores; it will let you turn the heat down while you're at work and warm up the house just before you get home.
Quick! which would you rather have: a gym or a big lawn to mow? Thought so. Perhaps that's why home buyers have started bidding up condominiums big time. Prices are rising 15% a year, twice the rate of single-family homes, as first-time home buyers and baby boomers look for second homes or downsized living, according to the National Association of Realtors.
Start thinking of your cell phone as a portable mouse or a remote control to take to the mall or on cultural expeditions. A Cambridge, England, firm is experimenting with hypertags: small battery-powered electronic devices that can be embedded on any surface and use infrared signals to send Web links to mobile phones.Over the summer, Hypertag Ltd.
In the past few years, 47-year-old Mark Paul of Portland, Ore., has spent two months as CEO of an Internet company, six months as vice president of marketing and sales for a software firm, six months as business manager of a tech school and two years as COO of an automotive information-technology shop.
The Department of Homeland Security is about to start compiling a list of antiterrorist technologies that will get special legal protections. Companies that produce or use technologies that make the department's list--such as airport scanners--will largely be protected from lawsuits if terrorists strike and plaintiffs emerge.The new breaks are the result of the Support Anti-Terrorism by Fostering Effective Technologies (SAFETY) Act passed by Congress at the end of 2002.
Just when you thought it was safe to get back in the water, here come new mutual-fund problems. New York Attorney General Eliot Spitzer says he's discovered "widespread illegal-trading schemes." Spitzer says Bank of America allowed at least one hedge-fund manager to buy into its Nations Funds at expired prices not available to most investors.
What should you do with that No. 2 pencil: (a) keep it sharpened; (b) use it to take several life-altering tests during a harrowing year of your young life; (c) chew it to bits while waiting to see if your scores help you get into your dream school; (d) resist the urge to throw it at the next person who mutters some platitude about how standardized tests don't matter.The correct answer, of course, is "all of the above." The SAT and other tests are stressful facts of life for the college-bound.