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margin: 0; border: 0;"><script type="text/javascript"> cnnad_createAd("212563","https://web.archive.org/web/20130425073934/http://ads.cnn.com/html.ng/site=cnn_money&cnn_money_pagetype=main_sync&cnn_money_position=728x90_top&cnn_money_rollup=personal_finance&cnn_money_section=homepage&page.allowcompete=no&params.styles=fs&page.allowcompete=yes","90","728"); </script></div></div> <div class="cnnsectionhed"> <h1>Personal Finance</h1> </div> <div class="cnnCol_main"> <div id="mod-TL"> <a href="/web/20130425073934/http://money.cnn.com/2013/04/24/pf/taxes/irs-audit/index.html" class="summaryImg"> <img src="https://web.archive.org/web/20130425073934im_/http://i2.cdn.turner.com/money/dam/assets/130419122745-irs-audit-620xa.jpg" width="620" height="348" alt="How to survive a tax audit" border="0"/> </a> <div class="cnnHeadline"> <a href="/web/20130425073934/http://money.cnn.com/2013/04/24/pf/taxes/irs-audit/index.html"> How to survive a tax audit </a> </div> <p> Six steps to take if you're audited by the IRS.  <a href="/web/20130425073934/http://money.cnn.com/2013/04/24/pf/taxes/irs-audit/index.html" class="cnnMore">More</a> </p> <ul class="socLinks"> <a class="money-social money-get-twitter" title="How to survive a tax audit" href="/web/20130425073934/http://money.cnn.com/2013/04/24/pf/taxes/irs-audit/index.html"></a> <a class="money-social money-get-likes" href="/web/20130425073934/http://money.cnn.com/2013/04/24/pf/taxes/irs-audit/index.html"></a> <a class="money-social money-get-comments" href="/web/20130425073934/http://money.cnn.com/2013/04/24/pf/taxes/irs-audit/index.html"></a> </ul> <div class="clearFloat"></div> </div> <div class="mod-featstories"> <a href="/web/20130425073934/http://money.cnn.com/2013/04/08/real_estate/home-sellers.moneymag/index.html" class="summaryImg"> <img src="https://web.archive.org/web/20130425073934im_/http://i2.cdn.turner.com/money/dam/assets/130325160830-homesellers-220x124.jpg" width="220" height="124" alt="Home sellers: Cards are in your favor" border="0"/> </a> <div class="summaryTxt"> <div class="cnnHeadline"> <a href="/web/20130425073934/http://money.cnn.com/2013/04/08/real_estate/home-sellers.moneymag/index.html"> Home sellers: Cards are in your favor </a> </div> <p> In most parts of the country home sellers have finally regained the upper hand. To get the best price, you need to finesse your timing, list competitively and understand local conditions.  <a class="cnnMore" href="/web/20130425073934/http://money.cnn.com/2013/04/08/real_estate/home-sellers.moneymag/index.html">More</a></p> <div class="cnnDateStamp" time="1365601226000"> Money - Apr 10 2013 9:40 AM ET </div> <ul class="socLinks"> <a class="money-social money-get-twitter" title="Home sellers: Cards are in your favor" href="/web/20130425073934/http://money.cnn.com/2013/04/08/real_estate/home-sellers.moneymag/index.html"></a> <a class="money-social money-get-likes" href="/web/20130425073934/http://money.cnn.com/2013/04/08/real_estate/home-sellers.moneymag/index.html"></a> <a class="money-social money-get-comments" href="/web/20130425073934/http://money.cnn.com/2013/04/08/real_estate/home-sellers.moneymag/index.html"></a> </ul> </div> <div class="clearFloat"></div>  </div> <div id="mod-river" class="sumlist01Visible"> <div class="cnnheader"> <div class="boxHeading">More News</div> <div class="cnntabs"> <ul> <li class=""><a class="sumlist01" id="river_tab_default">Highlights</a></li> <li class="lastItem"><a class="sumlist02" id="river_tab_pf">Most Popular</a></li> </ul> </div> <div class="clearFloat"></div> </div> <ul class="sumlist01"> <li class=""> <a href="/web/20130425073934/http://money.cnn.com/2013/04/19/pf/crowdfunding-boston-victims/index.html" class="summaryImg"> <img src="https://web.archive.org/web/20130425073934im_/http://i2.cdn.turner.com/money/dam/assets/130419100031-gofundme-bucks-for-bauman-120x90.jpg" width="120" height="90" alt="Crowdfunding campaigns for Boston victims top $1M" border="0"/> </a> <h2> <a href="/web/20130425073934/http://money.cnn.com/2013/04/19/pf/crowdfunding-boston-victims/index.html"> Crowdfunding campaigns for Boston victims top $1M </a> </h2> <p class="cnnBlurbTxt"> A handful of efforts have gone viral, attracting thousands of donations from across the country and the world. </p> <ul class="socLinks"> <a class="money-social money-get-twitter" title="Crowdfunding campaigns for Boston victims top $1M" href="/web/20130425073934/http://money.cnn.com/2013/04/19/pf/crowdfunding-boston-victims/index.html"></a> <a class="money-social money-get-likes" href="/web/20130425073934/http://money.cnn.com/2013/04/19/pf/crowdfunding-boston-victims/index.html"></a> <a class="money-social money-get-comments" href="/web/20130425073934/http://money.cnn.com/2013/04/19/pf/crowdfunding-boston-victims/index.html"></a> </ul> <div class="cnnDateStamp" time="1366389305000"> CNNMoney </div> <div class="clearFloat"></div> </li> <li class=""> <a href="/web/20130425073934/http://money.cnn.com/video/pf/2013/04/19/pf-cmr-autistic-child.cnnmoney/index.html" class="summaryImg"> <img src="https://web.archive.org/web/20130425073934im_/http://i2.cdn.turner.com/money/dam/assets/130419164835-autism-child-family-120x90.jpg" width="120" height="90" alt="The high cost of autism" border="0"/> <span class="video_playbtn"> </span> </a> <div class="cnnEyebrow"> <a href="/web/20130425073934/http://money.cnn.com/video/series/cnnmoneyreports/">CNNMoney Reports</a> </div> <h2> <a href="/web/20130425073934/http://money.cnn.com/video/pf/2013/04/19/pf-cmr-autistic-child.cnnmoney/index.html"> The high cost of autism </a> </h2> <p class="cnnBlurbTxt"> Jeff Howe and his wife, Alysia, struggle with the financial challenges of raising a severely autistic child. </p> <ul class="socLinks"> <a class="money-social money-get-twitter" title="The high cost of autism" href="/web/20130425073934/http://money.cnn.com/video/pf/2013/04/19/pf-cmr-autistic-child.cnnmoney/index.html"></a> <a class="money-social money-get-likes" href="/web/20130425073934/http://money.cnn.com/video/pf/2013/04/19/pf-cmr-autistic-child.cnnmoney/index.html"></a> </ul> <div class="cnnDateStamp" time="1366637112000"> CNNMoney </div> <div class="clearFloat"></div> </li> <li class=""> <a href="/web/20130425073934/http://money.cnn.com/2013/04/23/pf/taxes/obama-taxes/index.html" class="summaryImg"> <img src="https://web.archive.org/web/20130425073934im_/http://i2.cdn.turner.com/money/dam/assets/130423143546-obama-tax-increase-120x90.jpg" width="120" height="90" alt="How Obama's tax hikes would hit the middle class" border="0"/> </a> <div class="cnnEyebrow"> <a href="/web/20130425073934/http://money.cnn.com/news/specials/debt-crisis/">America's Debt Challenge</a> </div> <h2> <a href="/web/20130425073934/http://money.cnn.com/2013/04/23/pf/taxes/obama-taxes/index.html"> How Obama's tax hikes would hit the middle class </a> </h2> <p class="cnnBlurbTxt"> While President Obama's 2014 budget proposal would violate his oft-cited pledge not to raise taxes on those making less than $200,000, it doesn't do so by very much. 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Credit%20Cards&classtypeuid=3&classtypedesc=Card%20Issuers">Card issuer</option> </select> <input type="button" class="submitbtn" name="subbtn" onclick="ccSearch();"/> </div> <div id="bankrate_sponsor">Rate data provided<br>by Bankrate.com</div> <div class="featuredRates"> <p>Today's featured rates:</p> <div class="ratesContainer" id="ratesContainer"> <ul> <li class="bankrates-mtg"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/mortgages/mortgage-results.aspx?pid=p:cnn&market=4&loan=200000.00&prods=166&points=Zero" target="_blank">30 yr fixed mtg, 0 points, Los Angeles, CA, APR 4.625%</a></li> <li class="bankrates-mtg"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/mortgages/mortgage-results.aspx?pid=p:cnn&market=4&loan=200000.00&prods=166&points=Zero" target="_blank">30 yr fixed mtg, 0 points, Los Angeles, CA, APR 4.625%</a></li> <li class="bankrates-mtg"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/mortgages/mortgage-results.aspx?pid=p:cnn&market=236&loan=165000.00&prods=216&points=Zero" target="_blank">30 yr fixed, 0 points refi, Elizabeth, NJ, APR 4.625%</a></li> <li class="bankrates-mtg"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/mortgages/mortgage-results.aspx?pid=p:cnn&market=236&loan=165000.00&prods=216&points=Zero" target="_blank">30 yr fixed, 0 points refi, Elizabeth, NJ, APR 4.750%</a></li> <li class="bankrates-mtg"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/mortgages/mortgage-results.aspx?pid=p:cnn&market=66&loan=200000.00&prods=170&points=Zero" target="_blank">15 yr fixed mtg, 0 points, Orlando, FL, APR 3.875%</a></li> <li class="bankrates-mtg"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/mortgages/mortgage-results.aspx?pid=p:cnn&market=66&loan=200000.00&prods=170&points=Zero" target="_blank">15 yr fixed mtg, 0 points, Orlando, FL, APR 4.000%</a></li> <li class="bankrates-mtg"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/mortgages/mortgage-results.aspx?pid=p:cnn&market=16&loan=200000.00&prods=182&points=Zero" target="_blank">5/1 ARM, 0 points, Houston, TX, APR 3.125%</a></li> <li class="bankrates-mtg"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/mortgages/mortgage-results.aspx?pid=p:cnn&market=16&loan=200000.00&prods=182&points=Zero" target="_blank">5/1 ARM, 0 points, Houston, TX, APR 3.250%</a></li> <li class="bankrates-mtg"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/mortgages/mortgage-results.aspx?pid=p:cnn&market=26&loan=418000.00&prods=194&points=Zero" target="_blank">30 yr jumbo, 0 points, Cleveland, OH, APR 5.500%</a></li> <li class="bankrates-mma-cd" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/savings/savings-results.aspx?pid=p:cnn&local=true&market=4&prods=33" target="_blank">MMA , Los Angeles, CA, APY 1.09%</a></li> <li class="bankrates-mma-cd" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/savings/savings-results.aspx?pid=p:cnn&local=true&market=42&prods=34" target="_blank">$10K MMA , Tampa, FL, APY 1.09%</a></li> <li class="bankrates-mma-cd" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/cd-investments/cd-investment-results.aspx?pid=p:cnn&market=2&prods=14" target="_blank">6 month CD, Metro, NY, APY 1.04%</a></li> <li class="bankrates-mma-cd" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/cd-investments/cd-investment-results.aspx?pid=p:cnn&market=2&prods=14" target="_blank">6 month CD, Metro, NY, APY 0.50%</a></li> <li class="bankrates-mma-cd" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/cd-investments/cd-investment-results.aspx?pid=p:cnn&market=16&prods=15" target="_blank">1 yr CD, Houston, TX, APY 1.27%</a></li> <li class="bankrates-mma-cd" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/cd-investments/cd-investment-results.aspx?pid=p:cnn&market=16&prods=15" target="_blank">1 yr CD, Houston, TX, APY 1.01%</a></li> <li class="bankrates-mma-cd" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/cd-investments/cd-investment-results.aspx?pid=p:cnn&market=4&prods=19" target="_blank">5 yr CD, Los Angeles, CA, APY 2.50%</a></li> <li class="bankrates-mma-cd" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/cd-investments/cd-investment-results.aspx?pid=p:cnn&market=4&prods=19" target="_blank">5 yr CD, Los Angeles, CA, APY 2.39%</a></li> <li class="bankrates-homeeq" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/home-equity/home-equity-results.aspx?pid=p:cnn&market=4&fico=Good&prods=438" target="_blank">CA, $30K home equity loan, APR 7.99%</a></li> <li class="bankrates-homeeq" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/home-equity/home-equity-results.aspx?pid=p:cnn&market=4&fico=Good&prods=438" target="_blank">CA, $30K home equity loan, APR 8.87%</a></li> <li class="bankrates-homeeq" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/home-equity/home-equity-results.aspx?pid=p:cnn&market=18&fico=Good&prods=506" target="_blank">TX, $50K home equity loan , APR 8.87%</a></li> <li class="bankrates-homeeq" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/home-equity/home-equity-results.aspx?pid=p:cnn&market=10&fico=Good&prods=457" target="_blank">PA, $75K home equity loan , APR 4.99%</a></li> <li class="bankrates-homeeq" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/home-equity/home-equity-results.aspx?pid=p:cnn&market=10&fico=Good&prods=457" target="_blank">PA, $75K home equity loan , APR 6.89%</a></li> <li class="bankrates-homeeq" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/home-equity/home-equity-results.aspx?pid=p:cnn&market=2&fico=Good&prods=437" target="_blank">NY, $30K HELOC , APR 5.24%</a></li> <li class="bankrates-homeeq" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/home-equity/home-equity-results.aspx?pid=p:cnn&market=2&fico=Good&prods=437" target="_blank">NY, $30K HELOC , APR 5.49%</a></li> <li class="bankrates-homeeq" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/home-equity/home-equity-results.aspx?pid=p:cnn&market=22&fico=Good&prods=507" target="_blank">FL, $50K HELOC, APR 5.49%</a></li> <li class="bankrates-cc" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/credit-cards/credit-card-results.aspx?pid=p:cnn&classificationuid=2&childcategoryid=109&childcategory=Low%20Interest%20Card&ec_id=" target="_blank">Capital One, APR 11.9% - 19.9% (V)</a></li> <li class="bankrates-cc" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/credit-cards/credit-card-results.aspx?pid=p:cnn&classificationuid=3&childcategoryid=110&childcategory=Balance%20Transfer%20Card&ec_id=" target="_blank">Discover Card, APR 11.99%-20.99% (Variable)*</a></li> <li class="bankrates-cc" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/credit-cards/credit-card-results.aspx?pid=p:cnn&classificationuid=8&childcategoryid=117&childcategory=Rewards%20Card&ec_id=" target="_blank">Chase, APR 11.99%-22.99% Variable*</a></li> <li class="bankrates-cc" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/credit-cards/credit-card-results.aspx?pid=p:cnn&classificationuid=5&childcategoryid=114&childcategory=Cash%20Back%20Card&ec_id=" target="_blank">Discover Card, APR 11.99% - 20.99% (Variable)*</a></li> <li class="bankrates-cc" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/credit-cards/credit-card-results.aspx?pid=p:cnn&classificationuid=9&childcategoryid=118&childcategory=Business%20Card&ec_id=" target="_blank">Chase, APR 13.24%-19.24% (Variable)*</a></li> <li class="bankrates-cc" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/credit-cards/credit-card-results.aspx?pid=p:cnn&classificationuid=7&childcategoryid=116&childcategory=Gas%20Rewards%20Card&ec_id=" target="_blank">Capital One, APR 12.9% - 20.9% (V)</a></li> <li class="bankrates-cc" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/credit-cards/credit-card-results.aspx?pid=p:cnn&classificationuid=13&childcategoryid=837&childcategory=Secured%20Card&ec_id=" target="_blank">Capital One, APR 22.9%(V)</a></li> <li class="bankrates-cc" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/credit-cards/credit-card-results.aspx?pid=p:cnn&classificationuid=6&childcategoryid=115&childcategory=Frequent%20Flyer%20Card&ec_id=" target="_blank">Chase, APR 13.24% Variable*</a></li> <li class="bankrates-cc" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/credit-cards/credit-card-results.aspx?pid=p:cnn&classificationuid=30&childcategoryid=121&childcategory=PrePaid%20Cards&ec_id=" target="_blank">MetaBank, APR *</a></li> <li class="bankrates-cc" style="display: none;"><a href="https://web.archive.org/web/20130425073934/http://www.bankrate.com/funnel/credit-cards/credit-card-results.aspx?pid=p:cnn&classificationuid=1&childcategoryid=0&childcategory=Featured%20Cards&ec_id=" target="_blank">Discover Card, APR 11.99%-20.99% (Variable)*</a></li> </ul> </div> <div class="bankrate_note">*Rates subject to change</div> </div> </div> </div> <div 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