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</script>  </td> </tr> <tr> <td>  <script type="text/javascript"> GA_googleFillSlotWithSize("ca-pub-0200629403145096", "CA_FinanceBTFLeftSky160x600", 160, 600); </script>   <script type="text/javascript"> GA_googleFillSlotWithSize("ca-pub-0200629403145096", "LowerLeftROS", 160, 600); </script>  </td> </tr> </table>  </td> <td width="430" valign="top"> So, should you buy an annuity or not? It's not an easy question to answer. Your personal financial situation, your age, your health and the number of dependents, if any, for whom you must provide are all factors in the decision, as is the type of annuity that's right for you. Joan E. Lisante, an attorney knowledgeable in elder law and personal finance, tackles the topic in <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2006/03/annuities_fools_gold.html">Annuities: Fool's Gold or Fiscal Smarts?</a> <table cellspacing="2" cellpadding="2" border="0" width="100%"> <tr> <td colspan="2" width="100%" bgcolor="navy"> Complaints</td> </tr> <tr> <td width="50%" bgcolor="#EEEEEE" valign="top"> <li><a href="aig_annuities.html">AIG</a></li> <li><a href="/web/20100328044753/http://www.consumeraffairs.com/insurance/allianz.html">Allianz</a></li> <li><a href="american_equity.html">American Equity Investment</a></li> <li><a href="amex_financial_advisors.html">American Express Financial Advisors</a></li> <li><a href="farm_bureau_annuities2.html">Farm Bureau Annuities</a></li> </td> <td width="50%" bgcolor="#EEEEEE" valign="top"> <li><a href="genworth_annuities.html">Genworth Annuities</a></li> <li><a href="natl_catholic.html">National Catholic Society of Foresters</a></li> <li><a href="salomon_smith_barney.html">Salomon Smith Barney</a></li> <li><a href="southlake_financial.html">Southlake Financial Network</a></li> <li><a href="western_fraternal.html">Western Fraternal</a></li> </td> </tr> <tr> <td bgcolor="#000099" colspan="2"> Personal Finance News</td> </tr> <tr> <td colspan="2" bgcolor="#eeeeee"> <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/credit-cards/how-the-card-act-impacts-gift-cards.aspx?pid=p:caf">How the CARD Act Impacts Gift Cards</a> Consumers will have more time to use gift cards before fees kick in. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/blogs/credit-cards/plastic-rap.aspx?pid=p:caf">'Free' Credit Reports</a> New disclosure requirements for 'free' credit report advertising take effect on April 2, 2010. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/auto/protecting-car-loans-through-bankruptcy.aspx?pid=p:caf">Protecting Car Loans Through Bankruptcy</a> Considering bankruptcy? There are ways to protect secured car loans and keep the repo man at bay. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/boa_loan_foregiveness.html">Bank of America to Forgive Some Mortgage Debt</a> Plan could allow 'underwater' borrowers to regain some equity. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/oh_mortgage_mod.html">Ohio Grand Jury Indicts 16 in Mortgage Fraud Scheme</a> Consumers defrauded of more than $1 million in 40 transactions, indictments charge. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/minn_mortgage.html">Minnesota Sues Two Modification 'Consultants'</a> New law prohibits modification companies from taking advance payments. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/easter_shopping.html">NRF Sees Good Easter for Shoppers and Retailers</a> Warmer weather following wicked winter expected to bring consumers out. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/nightmare.html">Modification Meltdowns: Nightmare on Your Street</a> Homeowners find trial modifications can leave them in worse shape than before. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/checking/2010-high-yield-checking-study.aspx?pid=p:caf">2010 High-Yield Checking Study</a> Bankrate's exclusive survey of high-yield checking accounts finds top rates come with tough rules. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/gift_card_rules.html">Fed Issues New Gift Card Rules</a> New regulation designed to protect consumers against 'surprises.' <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/ca_mortgage_rescue.html">California Shuts Down Fraudulent Foreclosure Relief Companies</a> Victims of three alleged scams to get more than $1 million in restitution. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/card_credit.html">CARD Act Could Impact Your Credit Score</a> Lenders looking for ways to make up lost revenue could affect you. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/debt/6-tips-for-dealing-with-debt-collectors-1.aspx?pid=p:caf">6 Tips For Dealing With Debt Collectors</a> You have rights when debt collectors contact you. Try this six-step approach when you respond. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/mortgages/mortgage-rates-continue-to-drop.aspx?pid=p:caf">Mortgage Rates Continue to Drop</a> The 30-year fixed mortgage declined for the third week, setting another low in 2010. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/credit-cards/new-law-doesn-t-help-business-credit-cards-1.aspx?pid=p:caf">New Law Doesn't Help Business Credit Cards</a> The Credit CARD Act does not apply to small-business credit cards. What can business people do? <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/savings/changes-coming-for-bank-overdraft-fees-1.aspx?pid=p:caf">Changes Coming for Bank Overdraft Fees</a> How will the new banking regulations on overdraft protection affect your bank account? <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/brand_comparison.html">Which Is Better, Store Brand or Name Brand?</a> Private label products provide a way to stretch budget. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/funeral_pricing.html">Many NYC Funeral Homes Deny Consumers Pricing Information</a> Consumers encouraged to know their rights to funeral pricing information. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/taxes/your-mortgage-deductions-interest-the-irs-1.aspx?pid=p:caf">Your Mortgage Deductions Interest the IRS</a> Before you take that big mortgage interest deduction, make sure you can explain it to the IRS. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/blogs/credit-cards/a-real-gold-card.aspx?pid=p:caf">A 'Real' Gold Card</a> The new Gold Bullion Credit Card works like any other card, except a deposit of gold bullion coins secures the credit line. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/co_forex.html">Colorado Man Indicted, Accused of Foreign Exchange Scam</a> EquityFX allegedly defrauded investors of nearly $700,000. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/dodd_reform.html">Financial Reform Bill Wins Mixed Praise</a> Consumer groups wanted more independence for consumer. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/credit_students.html">The CARD Act and the College Crowd</a> MMI offers tips for understanding the CARD Act. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/states_taxes.html">Strapped States May Be Slow To Issue Tax Refunds</a> But California, other states, insist checks are in the mail. <a href="/web/20100328044753/http://www.consumeraffairs.com/boomerific/2010/002_digging_out_of_debt.html">Digging Out of Debt and Surviving the Downturn</a> How Boomers can turn around the reversals of fortune in time for retirement. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/retirement/fixed-income-alternatives-for-retirees-1.aspx?pid=p:caf">Fixed Income Alternatives for Retirees</a> In this barren environment, retirees must search far and wide to find investments with decent yield. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/bofabird.html">Bank of America Forecloses on Wrong House, Abducts Macaw</a> Homeowner jumps through hoops to get bird back. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/blogs/credit-cards/plastic-rap.aspx?pid=p:caf">Death of Overlimit Fees?</a> Few issuers still use overlimit fees, which the new credit card law makes more difficult to charge. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/savings/5-reasons-to-use-mobile-banking-1.aspx?pid=p:caf">5 Reasons to Use Mobile Banking</a> Banks are rushing to bring services to your cell phone. Here are reasons to start using them. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/college-finance/paying-for-college-5-top-mistakes-1.aspx?pid=p:caf">Paying For College: 5 Top Mistakes</a> Paying for college is a problem that can keep parents awake at night. Here's what NOT to do. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/sipc_bogus.html">Bogus Web Site Targets Madoff Victims</a> Feds warn against site claiming to have $1.3 billion from 'Madoff Hideout'. <a href="www.consumeraffairs.com/news04/2010/03/debit_overdraft.html">Bank of America Ending Automatic Debit Overdraft Fee</a> Responds to new Fed rules requiring banks to give consumers a choice. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/debt/paid-charge-offs-better-for-your-credit.aspx?pid=p:caf">Paid Charge-Offs Better for Your Credit </a> It might not help your credit score, but paid charge-offs look better to lenders and employers. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/money-guides/some-social-security-taxable.aspx?pid=p:caf">Some Social Security Is Taxable</a> Don't let your retirement be spoiled by taxes. Know the rules on what benefits are taxable. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/taxes/home-sweet-homeowner-tax-breaks-1.aspx?pid=p:caf">Home Sweet Homeowner Tax Breaks</a> Owning a home offers lots of benefits, including ways to reduce your tax bill.. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/auto/two-car-loans-could-kill-your-credit.aspx?pid=p:caf.html">2 Car Loans Could Kill Your Credit</a> If you can't manage two car loans, sell one and take a financial loss. Don't ruin your credit. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/blogs/credit-cards/plastic-rap.aspx?pid=p:caf">Fed Limits Card Fees</a> The Fed seeks comment on a proposed rule that would limit card penalty fees and require re-evaluation of rate increases. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/aig_discrimination.html">AIG Subsidiaries Resolve Allegations of Lending Discrimination</a> Lenders accountable for higher broker fees charged to minority borrowers. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/video/video-best-mortgage.aspx?pid=p:caf">Which Type of Mortgage is Best?</a> Shopping for a mortgage? Ask questions about the type of loan, fees and interest rate. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/debt_mountain.html">New Credit Card Protections Can Help Level Mountain of Debt</a> Four tips for wise credit use post-CARD Act. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/debt/4-tips-on-making-a-personal-loan-to-family.aspx?pid=p:caf">4 Tips on Making a Personal Loan to Family</a> When you're asked for a personal loan, don't put your own credit in jeopardy to bail out a relative. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/debt/5-money-jams-bankruptcy-can-fix-1.aspx?pid=p:caf">5 Money Jams Bankruptcy Can Fix</a> Bankruptcy may be the right move if you're facing any of the following situations. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/credit-cards/is-interest-after-credit-card-payoff-legal.aspx?pid=p:caf">Is Interest After Credit Card Payoff Legal?</a> You paid off your credit card in full but get interest charges the next month. What's going on? <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/mn_debt_settlement.html">Minnesota Sues Six Debt Settlement Companies</a> First enforcement action under new state law orders. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/03/aarp_cfpa.html">Survey: Seniors Support Increased Consumer Protections</a> Seniors angry over lost retirement savings, AARP survey finds. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/existing_home_sales.html">Home Sales Plunge In January, As Housing Woes Continue</a> Hopes fade for 2010 housing recovery <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/blogs/mortgages/mortgage-matters.aspx?pid=p:caf">The End is Nigh for Low Mortgage Rates</a> Even with tighter donation rules, that jalopy may be a valuable tax deduction. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/savings/could-yours-be-the-next-bank-to-fail-1.aspx?pid=p:caf">Could Yours Be the Next Bank to Fail?</a> As the FDIC's list of problem banks grows, here's how to determine if your bank is safe. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/credit-cards/settle-credit-card-debt-for-pennies-1.aspx?pid=p:caf">Settle Credit Card Debt for Pennies?</a> The ads shout that you don't have to pay your credit card debt. But what can these outfits really do? <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/cfpa_supporters.html">Consumer Groups Keep Up Pressure For New Consumer Agency</a> Independent agency needed now more than ever, advocates say. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/death_finances.html">A Spouse's Death Often Leaves Tangled Finances</a> Financial therapy helps surviving spouse cope. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/co_veracity_credit.html">Colorado Attorney General Sues Veracity Credit Consultants</a> Says company illegally charged upfront fees, made misleading claims. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/forensic_loan_audit.html">Homeowners Warned to Avoid 'Forensic Loan Audits'</a> No results for upfront money. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/bofa_settlement.html">Judge Approves $150 Million Bank of America Settlement</a> But does so reluctantly, calling settlement 'paltry'. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/credit_card_rules.html">Consumers: Know Your New Credit Card Rights</a> New regulations take effect today but consumer vigilance is essential. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/bill_me_later_folo.html">eBay: Suit Could Affect Bill Me Later Policies</a> Company faces class action alleging breach of usury laws. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/credit-cards/credit-cards-cater-to-the-rich.aspx?pid=p:caf">Credit Cards Cater to the Rich</a> Rewards cards aimed at the super-rich are proliferating. Are the super-services worth it? <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/blogs/credit-cards/plastic-rap.aspx?pid=p:caf">CitiCard Adds $60 Annual Fee</a> On April Fools' Day, some Citi credit cardholders will be charged a $60 annual fee.</a> <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/inflation_jan.html">Consumer Prices Barely Rise in January</a> But prices at wholesale level more sharply higher. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/wells_fargo_modifications.html">Another Bank Reports Loan Modification Progress</a> But S&P report suggests foreclosures will worsen anyway. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/pension_gap.html">Pew Study Finds States Face $1 Trillion Shortfall in Retiree Benefits</a> Pension gap problem might be worse than previously reported. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/auto/auto-leasing-making-a-comeback-1.aspx?pid=p:caf">Auto Leasing Making a Comeback</a> Auto leasing is showing signs of making a comeback after bottoming out over the last 18 months. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/college-finance/5-ways-to-get-a-private-student-loan-1.aspx?pid=p:caf">5 Ways to Get a Private Student Loan</a> Some big lenders have left the student loan business, but you can still find money for college. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/credit-cards/how-to-fix-credit-report-errors.aspx?pid=p:caf">How to Fix Credit Report Errors</a> You're responsible for errors on your credit report. Here's what to do if there's a mistake. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/bofa_loan_mods.html">Bank of America Steps Up Loan Modifications</a> Reports improvement in modification rate after slow start. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/taxes/how-to-report-taxes-on-foreclosed-homes.aspx?pid=p:caf">How to Report Taxes on Foreclosed Homes</a> When the bank issues a 1099-A on foreclosed homes, there usually is no tax impact. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/2009_customer_satisfaction.html">Survey: Customers Staying Satisfied Through 2009</a> Retailers, financial services and e-commerce show improvement. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/savings/should-you-choose-a-community-bank-1.aspx?pid=p:caf">Should You Choose a Community Bank?</a> Or will a big national bank serve your needs better? <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/irs_tax_myths.html">IRS Debunks Tax Myths</a> Citizens continue to argue they aren't legally obligated to pay taxes. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/college-finance/more-small-banks-offering-student-loans-1.aspx?pid=p:caf">More Small Banks Offering Student Loans</a> As big banks pull out of the student loan market, community banks step in. Know the pros and cons. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/money-guides/deducting-job-search-costs.aspx?pid=p:caf">Job Hunting Could Help Cut Your Taxes</a> The bad news is that a lot of Americans are out of work. The good news is that a job search might help cut their tax bill. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/debt/4-ways-to-overcome-a-loss-in-income.aspx?pid=p:caf">4 Ways to Overcome a Loss in Income</a> Income loss turns credit card debt into a monthly headache. Try these strategies to ease the pain. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/real-estate/how-to-break-a-lease-and-stay-creditworthy.aspx?pid=p:caf">How to Break a Lease and Stay Creditworthy</a> You can buy your way out. But if you break a lease, it will take a big bite from your credit score. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/big_banks.html">Big Banks Fare Worst In Consumer Survey</a> HSBC achieves record low rating; Citibank, Fifth Third close behind. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/coupon_clipping.html">Coupon Clipping Back In Style</a> Coupon use skyrocketed as economy went into free fall. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/valentines_spending.html">Survey: Couples Cutting Back on Valentine's Gifts</a> Men to spend twice as much on gifts as women. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/boa_nj.html">Some Bank of America Investors in New Jersey Getting Refunds</a> State charges bank hid risks. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/blogs/credit-cards/card-account-changes-abound.aspx?pid=p:caf">Credit Card Account Changes Abound</a> A new survey found that 43 percent of consumers have seen recent changes to their credit card accounts. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/credit-cards/3-ways-to-get-rewarded-for-your-spending-1.aspx?pid=p:caf">How to Earn Rewards Beyond Credit Cards</a> Had enough of credit card rewards? Debit cards and store-loyalty programs can replace them. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/money-guides/tax-help-after-a-layoff-1.aspx?pid=p:caf">Tax Help After a Layoff</a> It's tough enough losing your job, but tax laws add insult to injury. Unemployment is taxable. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/taxes/wackiest-tax-deductions-for-2010-1.aspx?pid=p:caf">10 Wackiest Tax Deductions for 2010</a> Writing off the cat as an "exterminating expense"? It's just one of 2010's wackiest tax deductions. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/banks_changes.html">Big Changes Coming for Banks in 2010</a> 'Free checking' likely to be among the casualties. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/boa_sec.html">Bank of America Settles SEC Charges</a> Agreement resolves issues surrounding Merrill Lynch acquisition. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/save_big.html">Reporter Challenges Consumers to Think Big When Seeking Savings</a> Pinching $1,000 bills beats pinching pennies, says Good Morning America's Elisabeth Leamy. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/chase_loan_mods.html">Chase Denied Loan Mods for Now Forbidden Reason—Homeowners in Limbo: ProPublica</a> Homeowners eligible for mortgage relief being wrongfully denied because troubles not deemed 'permanent'. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/ftc_advance_fee.html">FTC Wants to Outlaw Advance-Fee Foreclosure Rescue</a> Several states already have such bans in place. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/boa_ny_lawsuit.html">New York Files Fraud Charges Against Bank of America</a> Former CEO, CFO also face charges in connection with Merrill Lynch merger. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/blogs/credit-cards/plastic-rap.aspx?pid=p:caf">Credit Card Offers Up</a> Last year ended with the first quarterly increase in credit card direct mail volume in three years. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/credit-cards/2010-credit-card-guide.aspx?pid=p:caf">2010 Credit Card Guide</a> The Credit CARD Act is bringing big changes. Here's what you need to know to make the most of it. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/blogs/credit-cards/plastic-rap.aspx?pid=p:caf">Credit Card Offers Up</a> Last year ended with the first quarterly increase in credit card direct mail volume in three years. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/taxes_for_less.html">Getting Your Taxes Done for Less</a> Avoid RALs, since they aren't much faster than e-filing. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/fifth_third_overdraft.html">Fifth Third Bank Sued Over Overdraft Fees</a> Suit seeks class action status and millions in restitution. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/home_sales_december.html">Pending Home Sales Rise in December</a> Report suggests slight improvement in housing market. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/ny_citibank_checking.html">Citibank to Extend Free Checking Services</a> Agreement made in New York will save consumers millions of dollars. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/taxes/7-new-tax-laws-to-know-1.aspx?pid=p:caf">7 New Tax Laws to Know</a> Several new tax laws made it into the IRS Code. See which ones might help cut your tax bill. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/money-guides/turning-hobby-into-business-means-tax-breaks.aspx?pid=p:caf">Make Your Hobby Pay for Itself</a> Does your hobby make money? Turning it into a business could provide tax advantages. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/02/credit_card_changes.html">New Credit Card Rules Take Effect February 22</a> But much of the damage has already been done. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/credit-cards/national-credit-card-rates8-141030.aspx?pid=p:caf">National Credit Card Rates</a> Here are the average聽credit card聽rates from Bankrate's weekly survey of large banks and thrifts. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/junk_mail_returns.html">Credit Card Direct Mail Back on the Rise</a> Card issuers increase direct marketing as economy levels out. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/wva_capone.html">West Virginia Sues Capital One</a> State finds loophole in banks' federal preemption defense. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/debt/skip-debt-settlement-it-can-backfire.aspx?pid=p:caf">Skip Debt Settlement; It Can Backfire</a> They call it "debt relief," but it's really debt settlement and it can cost you more if it fails. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/blogs/retirement/boomer-bucks-blog.aspx?pid=p:caf">It's Business as Usual on Wall Street</a> Remember Wall Street's demise? After wreaking havoc on the economy, it appears to be flourishing. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/boa_loanmods02.html">Bank of America Renews Commitment to Loan Modifications</a> But complaints still roll in. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/capital_one_suit.html">Class Action Takes On Capital One鈥檚 'Payment Protection' Plan</a> Program so riddled with exceptions as to be 'worthless,' California suit claims. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/ticketmaster_livenation.html">Ticketmaster, Live Nation Mega-Merger Approved</a> Feds, states win concessions due to antitrust concerns. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/credit-cards/is-a-charge-card-same-as-a-credit-card.aspx?pid=p:caf">Is a Charge Card the Same as a Credit Card?</a> A charge card usually must be paid in full each month and require an excellent credit score. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/debt/inheritance-save-or-pay-off-card-debt.aspx?pid=p:caf">Inheritance: Save or Pay Off Credit Card Debt?</a> Using inheritance to pay down a credit card is a sound strategy, but so is saving for the future. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/ral_changes.html">Major Changes To Quick Tax Refund Loans Industry</a> 8.4 Million refund anticipation loans made in 2008. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/bank_lobbyists.html">Banking Lobbyists Shower Key Senators With Funds</a> Senate Banking Committee members rake in $41 million from financial sector. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/cost_of_bad_loans.html">Group Adds Up 'Cost Of Bad Lending'</a> Site makes the case for Consumer Financial Protection Agency. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/mortgages/rates-move-lower-for-3rd-week.aspx?pid=p:caf">Mortgage Rates Move Lower for 3rd Week</a> While mortgage rates continue to drop, the cost of an FHA-insured mortgage is set to rise. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/retail_sales.html">Retail Sector Facing Lackluster Sales In January </a> Consumers preoccupied with Christmas shopping bills. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/nader_dodd.html">Nader Presses Dodd On Consumer Protection Agency</a> Fears lawmaker is backing away from stand-alone watchdog. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/consumer_choices.html">Do Consumers Have Too Many Choices?</a> More really is better, study suggests. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/savings/changes-in-store-for-free-checking-1.aspx?pid=p:caf">Will Free Checking Disappear?</a> The days of the free checking account, with no minimum balance and no fees, are numbered. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/credit-cards/should-you-cancel-an-unused-credit-card.aspx?pid=p:caf">Should You Cancel an Unused Credit Card?</a> To cancel or not to cancel? Bankrate.com explains what to do with inactive credit cards. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/bank_rage.html">Consumers Vent Anger At Big Banks</a> 'Mad as hell' over treatment. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/savings/should-you-bank-online-1.aspx?pid=p:caf">Should You Bank Online?</a> Customers who bank online gain many perks, but dangers may also lurk in cyberspace. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/money-guides/tax-help-in-caring-for-an-aging-parent-1.aspx?pid=p:caf">Tax Help in Caring For an Aging Parent</a> Millions of adult children find themselves looking after aging parents. If you qualify, tax laws offer some help. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/irs_free_file2009.html">IRS Makes 'Free File' Available Again</a> Tax agency offers free help to qualifying taxpayers. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/obama_loanmods.html">Government Reports Progress On Mortgage Modification Plan</a> Consumers still say they get the runaround. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/banks_risk.html">Consumer Group: Banks Still Taking Big Risks</a> Still in business only because of bailouts. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/debt/10-ways-to-dodge-bankruptcy-in-2010.aspx?pid=p:caf">10 Ways to Dodge Bankruptcy in 2010</a> Try one or more of these strategies to lower your debt, live frugally and skirt bankruptcy. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/propublica_loan_modifications.html">Homeowners Say Banks Not Following Rules for Loan Modifications</a> $75 billion program is supposed to blunt the boom in foreclosures. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/2009_foreclosures.html">2.8 Million Homes Threatened With Foreclosure in 2009</a> Foreclosure filings hit a record high. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/spending_habits.html">Consumers Cautioned Against Resuming Bad Habits</a> Don't be tempted to resume past spending patterns. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/pension_problems.html">State Pension Funds At Risk, Report Warns</a> California's problems may be just the tip of the iceberg. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/debt/3-ways-to-shed-credit-card-debt-in-old-age.aspx?pid=p:caf">3 Ways to Shed Credit Card Debt in Old Age</a> There are few options for lowering credit card debt on a fixed income but these might help. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/bill_me_later_suit.html">Bill Me Later Charges Illegal Interest Rates, Class Action Says</a> eBay subsidiary uses bank affiliation to skirt California usury laws. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/job_prospects.html">Job Seekers Unsure About Job Prospects</a> Job Seekers Unsure About Job Prospects. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/mortgages/new-form-helps-to-estimate-closing-costs-1.aspx?pid=p:caf">New Form Helps to Estimate Closing Costs</a> The new good-faith estimate forces lenders to provide an accurate estimate of closing costs. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/taxes/10-astute-tax-moves-in-2010-1.aspx?pid=p:caf">10 Astute Tax Moves in 2010</a> Start saving today on next year's taxes with these simple strategies for lowering your IRS bill. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/checking/bank-failure-worries-move-money.aspx?pid=p:caf">Bank Failure Worries? Move Your Money</a> If your bank's woes have you worried about short-term liquidity, move some funds. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/job_cuts_lower.html">Employment on the Comeback Trail?</a> December job cuts fall 10 percent in latest Challenger survey. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/blogs/credit-cards/plastic-rap.aspx?pid=p:caf">New Ways to Monitor Your Credit Score</a> A new personal finance product tracks your VantageScore credit score and report. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/credit-cards/instant-approval-yields-unwanted-card.aspx?pid=p:caf">'Instant Approval' Yields Unwanted Card</a> Approved for too many credit cards? Here's what can happen to your score if you cancel a new account. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/money-guides/finding-the-right-tax-preparer.aspx?pid=p:caf">Finding The Right Tax Preparer</a> Protect yourself from tax headaches by hiring a reputable tax preparer who fits your needs. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/irs_tax_watchdog.html">IRS Watchdog Reports Agency Stretched Too Thin</a> Level of service 'unacceptable'. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/money-guides/8-tax-filing-moves-you-can-make-now-1.aspx?pid=p:caf">8 Tax-Filing Moves You Can Make Now</a> Procrastinate on your taxes and you could pay the price. Here's how to get a head start. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/home_sales.html">Pending Home Sales Plunge In November</a> Sales drop just ahead of expected end to tax credit. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/bankruptcy_2009.html">Bankruptcy Filings Increase 32 Percent In 2009</a> States with high foreclosure rates lead in filings. <a href="/web/20100328044753/http://www.consumeraffairs.com/news04/2010/01/irs_tax_preparers.html">IRS Begins New Oversight Of Tax Preparers</a> Agency concerned about sloppy, fraudulent returns. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/debt/3-ways-to-master-a-credit-card.aspx?pid=p:caf">3 Ways to Master Credit Cards</a> Your card rates are growing, and it may not be your credit that's the problem. 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Move Your Money</a> If your bank's woes have you worried about short-term liquidity, move some funds. <a href="https://web.archive.org/web/20100328044753/http://www.bankrate.com/finance/video/best-temporary-jobs.aspx?pid=p:caf">The Best Temporary Jobs For You</a> Looking for some extra money? Here are some good temporary jobs for extra cash. </td> </tr> </table> <div align="center">  <script type="text/javascript"> aster_cloud_id = '2417581'; aster_cloud_format = '430x280'; </script> <script type="text/javascript"> document.write(unescape("%3Cscript src='https://web.archive.org/web/20100328044753/http://web.asterpix.com/media/js/searchlight.js' type='text/javascript'%3E%3C/script%3E")); </script>  </div> <a href="/web/20100328044753/http://www.consumeraffairs.com/php/a_report.php">Report Your Experience</a> If you've had a bad experience -- or a good one -- with a consumer product or service, we'd like to hear about it. 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