Harmoney Advantage Partner Network

Wait, don't pick up that check

When it comes to dealing with freeloading friends and deadbeat relatives, Jeanne Fleming and Leonard Schwarz suggest that you be what they call the three P's: prompt, polite and pointed.

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Parents often fumble on financial aid forms

High school seniors have been scrambling for months to complete their applications for college. Now it's their parents' turn to sweat.

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Spend your cash on things that are truly valuable

Many people think about personal finance as an unemotional, detached pursuit, but it's really nothing of the sort. Money is a means to an end, and what you do with it is all about feelings and values. My wish for 2008 is that the luxuries we choose will fill our lives with warmth and that we will get the precious things that we yearn and work for. With that in mind, here are my New Year's resolutions:

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Stick to holidya gift-giving budget

Santa Claus, not waiting until after Thanksgiving, arrived at our local mall in Vero Beach, Fla., on Saturday, Nov. 17. To my reckoning, that made him 2-1/2 weeks late.

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Why do I need to write a will?

Only a written will can guarantee that your instructions will be known and followed after your death. If you do not write a will, state law determines what happens to your wealth. To ensure that your wishes will be carried out, it is imperative that you write a will.

Where can I find out about college scholarships?

Finding scholarships (grant money other than that provided by a college or university) is a time-consuming task but entirely worthwhile. There are several free scholarship search services available on the Internet. They will compile a profile of your activities, interests, achievements and academics that will then point to scholarship sources that you may be eligible for.

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