Get Free Help With Your Income Taxes. Use AARP Tax-Aide: Tax Counseling for the Elderly. Bonnie Speedy, national director - AARP Tax-Aide and vice president, AARP Foundation 100 Years of Credit Unions in the U.S. - International Credit Union Day, Oct. 16, 2008. Ron Rioux, president and CEO, St. Mary's Bank, Manchester, NH 9 Tips for Buying the Right Car. Ken Wandstrat, affiliate program manager, Bills.com Myth Busters on Auto Fuel Efficiency. Jessica Lin, communications associate, Alliance to Save Energy

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This week's H&FF Radio show is devoted entirely to the current fiscal crisis. Three guests give an in-depth analysis of the health of the economy, how recent rescue efforts measure up, and what Wall Street bailouts mean for Main Street. "The U.S. Economy's Health," with Mike Schenk, Credit Union National Association (CUNA) vice president, economics and statistics, Madison, Wis.; "What a Financial Bailout Means for You," with Stephen Brobeck, executive director, Consumer Federation of America, Washington, D.C.; and "Will a Financial Rescue Plan Work?" with Michael Farr, president and majority owner, Farr, Miller & Washington LLC, Washington, D.C.

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Our Economy - Where We Are & Where We're Headed. Steven Rick, senior economist, Credit Union National Association 411 on Disposing Cell Phones. Philip P. Tumminio, staff attorney, Federal Trade Commission Division of Marketing Practices Letter of Instruction: Don't Leave Life Without It. Mark Cussen, contributor, Investopedia.com 5 Ways to Bullet-Proof Your Financial Life. Jeff Boulton, CEO, Rise Above Debt Establish a Solid Financial Future after the Military. Also learn about Operation Debt Storm with Ethan Ewing, president, Bills.com

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Going Buggy? Hire a Pest Control Firm that's right for you and your creepy crawlies? We asked Greg Baumann, senior scientist & technical director, with the National Pest Management Association Get Your Home Inspected. Even if you've owned your home several years, an inspection may help set repair priorities and plan upgrades--and save money over time. Nick Gromicko, founder and director of public relations, International Association of Certified Home Inspectors. How to Hire a Home Improvement Contractor with Renee Rewiski, president of the National Association of the Remodeling Industry (NARI). De-Clutter and Organize Your Home with Marcia Weuve, owner of Impact Solutionz: the Organizing Specialists. How to Zap Your Home Electricity Expense: Listener Chris's Best Money Management Tip.

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Financially Empowering Women Survivors of Violence & Domestic Abuse. Cindy Dyer, executive director, Office of Violence Against Women, U.S. Department of Justice Survivors Get a "Second Chance". Dr. Ludie Green, founder, executive director, Second Chance Employment Services, Washington, DC and New York City Life After Second Chance. Joe'l, domestic abuse survivor, single mom and bank employee, Washington, DC Native American Women: Steps Toward Economic Self-Sufficiency. Elsie Meeks, president and CEO, Oweesta Corporation, Rapid City, South Dakota The Things I've Seen: A Credit Union Veteran Shares His Experience With Credit Union Growth and Service to It's Members. Ed Fox, president and CEO, Mid-Atlantic Corporate Federal Credit Union, Middletown, Pennsylvania

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America's Food Safety System is Broken: What's Being Done? David Plunkett, staff attorney, Center for Science in the Public Interest 4 Secrets to Cut Your Grocery Bill. Sue Perry, deputy editor of ShopSmart, Consumers Union Leftovers - Using All You Pay For Yields Delicious Results. Stacey DeHass, executive chef, Amish Naturals Community Supported Agriculture: More Than Just Fresh Veggies. Steven McFadden, director, Chrion Communications, author, journalist, healer Cutting the cost of groceries; interest rates lowered for certain student loans; cell phone fees: host Paul Berry answers your questions

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No More Travel Checks! Hello, Travel Cards; Bye-bye, Traveler Checks! Christopher Russell, executive vice president and regional divisional director outsourcing travelex Americas, Travelex Personal Finance Management Program for Military Personnel and Their Families. Gordon Genovese, USMC (retired) and executive director, Association for Financial Counseling and Planning Education Travel Fraud: Vacation Certificates & Vacation Clubs. Collot Guerard, attorney, Consumer Protection Division, Federal Trade Commission Passing Wealth to Adult Children Mark Kollar, CEO, Kollar Financial Strategies Car ownership expenses; convenience of online banking; direct deposit; debit cards and teens: host Paul Berry answers your questions

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Can't Make Your Car Payments? Five Tips to Keep Your Wheels. Eric Hoffman, spokesman, AWARE (Americans Well-informed on Automobile Retailing Economics) Telling Your Family Who Gets What (and WHY) Before You Die. Tech tools help get the job done. Eric Aanes, founder and president, Titus Wealth Management Financial Fitness: More Than a Good Credit Score. Brad Stroh, co-founder, CEO, Bills.com 10 Techniques to Manage Your Personal Cost of Living. Kathy Kristof, senior writer, Los Angeles Times, & author of NEW book "Investing 101" Summer travel and identity theft; filing for bankruptcy--there are other choices: Your Questions Answered by Host Paul Berry

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Divorce and Money. Divorce can be the 2nd most stressful life event, just behind the death of a spouse. Visa's Jason Alderman delivers money management advice for all couples--happy or calling it quits. Tips or Tums? If the thought of Junior with a debit card gives you heartburn, teach your child to use debit cards and ATMs responsibly, says Kari Wilfong of Co-op Financial Services. The Long Baby Boom: An Optimistic Vision for a Graying Generation, by Jeff Goldsmith, president, Health Futures and associate professor at the U of Virginia, "should be the basis for a national debate about how we each want to grow older and what kind of society we want to do it in."--John Rother, director of legislation and public policy for AARP. Is Your Money Safe at Your Credit Union? Credit Union Administration Vice Chair Rodney Hood says your deposits are protected by the full faith and credit of the U. S. government.

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Congress & Your Money. What Congress is doing to help you in tough times. A Conversation with House Committee on Financial Services Ranking Member Spencer Bachus (R-AL, United States House of Representatives Safer & Smarter. Money Orders at Your Post Office Get a Makeover. Changes you can expect. Tangie Samuels, acting manager, value added and special services, United States Postal Service Being left high and dry can be a good thing! Flood Insurance: what you need to know to protect your family and home. Loretta Worters, vice president - communications, Insurance Information Institute Please Send Money: A Financial Survival Guide for Young Adults on Their Own. Dara Duguay, director, Office of Financial Education, Citi

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Riiiight. . ."Pay No-Interest" Deals at Stores. You know the T.V. pitch, "Buy NOW! 0% interest until 2010!" Gail Hillebrand, staff attorney, Consumers Union/Consumer Reports Text Messaging to Find Surcharge-Free ATM: Efficient & Convenient. Eric Porter, Co-op Network Index Funds - R They Right 4 U? Tom Ruggie, president, Ruggie Wealth Management Devise a Down-Payment Plan to Buy a Home. Tracy Ashfield, executive vice president, Strategic Mortgage Solutions 401(k) debit cards or "how to drain your retirement savings"; getting a company's prospectus or annual report; tip for small investor; who opens Individual Retirement Accounts (IRAs): Paul Berry Answers Your Questions

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Scammed! Baby Boomers' Retirement Savings: Can You Recover? Kelly Campbell, president and CEO, Campbell Wealth Management Veterans' Benefits: There's Help to Get Yours. Shad Meshad, founder and president, National Veteran's Foundation Your Credit Crisis. Brad Stroh, founder and co-CEO, Bills.com and Freedom Financial Network How to Choose a Credit or Debt Counselor. Sara Gottovi, staff attorney, Federal Trade Commission's Division of Financial Practices, Bureau of Consumer Protection The Euro; auto dealership charges; today's complex consumer marketplace; how to start investing: Host Paul Berry Answers Your Questions

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Buying Condo or Co-Op Insurance? 7 Questions to Ask Before You Do. Ethan Ewing, president, Bills.com Put Low-Cost Fresh Veggies on Your Table: Listener Best Money Management Tip. Susan Tiffany, director of personal finance information for adults, Center for Personal Finance, Credit Union National Association Investing for Retirement? Don't Forget to Replenish Your Portfolio With Its Returns. Eric Sheerin, financial advisor & registered financial consultant, Barber Financial Group What Is Shared Branching? Craig Beach, senior vice president marketing and business development, Co-op Shared Branching Credit card loss protection insurance, reducing debt quickly, home equity loans with no closing costs, rent-to-own: Host Paul Berry Answers Your Questions

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Discarded Computer Retaliates Against Former Owner for Coffee Spill. Gives Up Personal Finance Information to I.D. Thief. Don't Let This Happen to You. Jim Stickley, founder, chief technical officer and vice president of engineering, Trace Security Gadgets That Help You Use and Conserve Water Wisely. Stacy Bass, utilities department public relations officer, and manager of education and outreach programs, Mesa, Arizona (one of several partners within the Water-Use It Wisely coalition). Saving for College. Jason Alderman, director, issues management, Visa USA The Secrets of Money: A Guide for Everyone on Practical Financial Literacy. Braun Mincher, entrepreneur and author Simple ways to save gas, laddering certificates of deposit, selecting a credit counselor: Host Paul Berry Answers Your Questions

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Don't lose your shirt with bad investments! Avoid common mistakes most investors make. Paul Merriman, founder and director of Merriman Berkman Next, identifies the pitfalls and what you can do to grow your money. If you want good health care and long-term financial security, hear what Lisa Davis, from AARP, has to say about the Divided We Fail campaign. You'll want to join this effort! It is important for your well-being now and in the future. Before you get one day older, listen to attorney Mary Randolph with estate planning basics on wills, trusts, estate taxes and more. Pay attention! If you don't have your family disaster plan ready to put into action, you need to prepare now. Dr. Joyce Cavanagh talks disaster preparedness. Appealing property tax assessments; online shopping; private mortgage insurance: is it deductible? Host Paul Berry answers your questions.

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Cut Gas Costs 35 Cents a Gallon. Jack Gillis, president, Gillis & Associates and director of public affairs, Consumer Federation of America Sound Sleep, Sound Mind. Dr. Barry Krakow, internist, sleep specialist and author Summer Vacation Travel Tips That Save You Money. Jennifer Burrows, senior marketing programs manager, Co-op Financial Services Great Threads for Less Bread - Listener's Best Money Management Tip. Susan Tiffany, director of personal finance information for adults, Center for Personal Finance, Credit Union National Association Hiring movers, co-signing a loan, prepaid credit card for college students, money market account: Host Paul Berry Answers Your Questions

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Beware the Shrinking Container! Paying the Same for Less - Product Downsizing. Edgar Dworsky, former Massachusetts assistant attorney general and consumer advocate, ConsumerWorld.org and MousePrint.org. Will You Still Need Me, Will You Still Feed Me: Long-Term Care Insurance. Bonnie Burns, training and policy specialist, California Health Advocates Will the Cost of Gas Kill Your Family Summer Road Trip? Troy Green, national spokesman, AAA Tweens' Spending Habits and Money Management. Deborah Haynes, professor, Montana State University Laddering certificates of deposit; Renter's insurance; Re-building good credit; and how to stretch a buck in college - Host Paul Berry answers your questions

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No More Travel Checks! Hello, Travel Cards; Bye-bye, Traveler Checks! Christopher Russell, executive vice president and regional divisional director outsourcing travelex Americas, Travelex Personal Finance Management Program for Military Personnel and Their Families. Gordon Genovese, USMC (retired) and executive director, Association for Financial Counseling and Planning Education Travel Fraud: Vacation Certificates & Vacation Clubs. Collot Guerard, attorney, Consumer Protection Division, Federal Trade Commission Passing Wealth to Adult Children. Mark Kollar, CEO, Kollar Financial Strategies Car ownership expenses; convenience of online banking; direct deposit; debit cards and teens: host Paul Berry answers your questions

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Make your kid a millionaire! If your teen works, there's one sure-fire investment tool to make your dream come true. Wait til you hear! "It's easy; start now," says Nancy Granovsky, a professor at Texas A&M. You sock your money away in stocks, bonds, real estate. But, do you know how much you really made in your portfolio this past year? Rutgers University's own Barbara O'Neill tells you how to figure that out. Who gets Grandma's yellow pie plate? Family social science professor Marlene Stum addresses an issue few families escape. Listen to this! You can get stuck with a fee for walking into your bank and asking the teller a question! Ed Mierzwinski, consumer program director and advocate, talks banking tips. Generic medicines; lower your homeowner's insurance cost; save money at the gas pump; improve your credit score. Host Paul Berry answers your questions.

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Your Family's Safety and Security Rising Mortgage Rates - How to Safeguard Your Home by Maintaining Your Mortgage Payments and Avoiding Foreclosure. Diana Dykstra, president and CEO, San Francisco Fire Credit Union; and Joe Schroeder, CEO, San Diego Metropolitan Credit Union How to Create a Savings Strategy. Donna Bland, senior vice president and chief financial officer, The Golden 1 Credit Union; and Robert (Camo)Gleisberg, membership education and development officer, Pacific Marine Credit Union Identity Fraud - How to Prevent Becoming a Victim. Mari Frank, Esq., attorney, certified information privacy professional and author, Laguna Niguel, Calif Emergency Supplies - Whether At Home or Traveling This Summer, How To Keep Your Family Safe. Yvette Urrea Moe, public information specialist, San Diego County Office of Emergency Services

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Military Families and the Mortgage Crisis. Jessica Perdew, deputy director, Government Relations, National Military Family Association Financial Resources for Civilian Spouses of Military Personnel. Jennifer Plantier, PhD. Towson University Savings Deposit Program & the Importance of Saving. James Murphy, personal financial manager, Marine and Family Services Financial Readiness. Roland (Arty) Arteaga, president/CEO, Defense Credit Union Council and colonel (USA, retired) Paul Berry Answers Your Questions: odometer fraud, pay day loans, benefits of Roth IRAs

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Laid Off: Prepare Financially Before It Happens to You. Jason Alderman, director of financial education, Visa USA High School Graduation: Choosing a Financial Institution. Caroline Lane, vice president of corporate development, Co-op Network How Americans View Gambling: Recreation or Investment? Keith Whyte, executive director, National Council on Problem Gambling Hats & Eyeglasses: A Family Love Affair with Gambling. Author, columnist, Martha Frankel's bluntly honest memoir of gambling addiction Paul Berry Answers Your Questions: free debt reduction and credit counseling; avoiding credit card finance charges.

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Subprime Shakeout and its Impact on Lower-Income and Minority Communities. Geoff Smith, vice president, Woodstock Institute, Chicago, Ill. eXtension and Your Financial Security. Jane Schuchardt, national program leader, U.S. Department of Agriculture's Cooperative State Research, Education, and Extension Service, Washington, DC. Farm Transfers: Who'll Get Grandpa's Farm? Sharon de Vaney, PhD., professor, Department of Consumer Sciences and Retailing, Purdue University, West Lafayette, Indiana Refund Anticipation Loans. Ed Mierzwinski, consumer program director and advocate with the National Association of State Public Interest Research Groups (U.S. PIRG), Washington, DC Paul Berry Answers Your Questions: make sure credit bureau has been notified when you close an account; delays in health insurance payments could damage your credit; delete computer files with shredding software;

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Special Live Show - Ohio Credit Union System's Zenith08 Conference, Columbus Elder Financial Abuse. Beverly Laubert, state long-term care ombudsman, Ohio Department of Aging's Elder Rights Division, Columbus, Ohio Pay Day Lending. Bill Burke, president and CEO, Day Air Credit Union, Dayton, Ohio; Doug Fecher, president and CEO, Wright-Patt Credit Union, Fairborn, Ohio Financial Education/Literacy. Becky Hart, vice president, public affairs, Ohio Credit Union League, Dublin, Ohio Resources for Small Businesses. Iris Cooper, director of entrepreneurship and the small business division, Ohio Department of Development, Columbus, Ohio

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Summer Vacation Tips That Save You Money - Elizabeth Kiss, extension specialist for family resource management, Purdue University Fraud Protection at Your Bank or Credit Union - Bill Freer, risk manager, Co-op Financial Services Financial Stress: How It Impacts Employees in the Work Place - Dr. Tom Garman, president, Personal Finance Employee Education Foundation Patient Advocates - Meg Gaines, clinical professor of law, and founder and director, Center for Patient Partnerships, University of Wisconsin Host Paul Berry Answers Your Questions: debit/credit card safety tips for teens; protect your Social Security number; finding the best credit/debt counseling agency for you; sticking to a budget and saving extra cash

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Money Traps. Irene Leech, associate professor and extension specialist, Consumer Education, Virginia Tech, Blacksburg, VA Protect Your Family From Identity Theft. Adam Levin, chairman, Identity Theft 911, and former director, New Jersey Division of Consumer Affairs, New York City, N.Y. The New Math of Credit Scores. Julie Wooding, senior manager, Fair Isaac, San Rafael, Calif. Four Steps to Triple Your Returns. Paul Merriman, founder and director, Merriman, Berkman, Next, author of "Live It Up Without Outliving Your Money", and publisher and editor of the educational web site FUNDADVICE.COM, Seattle, WA. Go Green for Youth Week. Joanne Sepich, youth week coordinator, Credit Union National Association, Madison, Wisc.

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Tax Tips for Procrastinators - IRS Spokesman Eric Smith Will You Be a Middle Class Drop-Out? Walter Dartland, Consumer Federation of the Southeast Check Imaging and Other Ways to Improve How You Make Deposits - Chris Kruger, Co-op Financial Services Sleep Problems & Job Performance: What It Costs You & the U.S. Economy - Dr. Barry Krakow, sleep specialist and author of "Sound Sleep, Sound Mind" Planning Your Vacation: Listener's Best Money Management Tips

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Is Your Money Safe? Housing Alternatives for an Aging America Economic Stimulus Package: How Much Money Will You Get and What Do You Do to Get It? Get Better Mileage from Your Fuel Dollars Saving for Back-to-School purchases; sales tax holidays; "Do-What-You-Enjoy" summer money makers for teens; business trends for entrepreneurs

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Go for the max on your 401 (k) REAL I.D. or Real Nightmare? - U.S. to issue National Identity Card? Is a reverse mortgage right for you? Auto auction prices impact what you pay Listeners' Q & A: co-signing a loan; managing bills and financial documents; credit cards and college students

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Apply NOW for college financial aid Timing your retirement Volunteer income tax preparers help thousands Payroll cards: Will they replace your pay check? Make the most of your tax refund; update beneficiary choices; one secret to build savings; determine your debt level; best way to pay down credit cards

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Give Your Wallet a Workout to Trim Spending Earned Income Tax Credit Get Your Coupon to Convert to Digital T.V. Unscrewed: Consumer Guide to Getting What You Paid For

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Hard to choose the credit card right for you? Angry at companies that increase interest rates or slap you with fees Sherlock Holmes couldn't track down in the small print? Sandra Braunstein (Federal Reserve) tells what's being done about your most common complaints. Getting a student loan is like going through a maze to get cheese. Congress has straightened twists and turns in the student loan maze. Find out which reforms Congress enacted to make it easier for you to get the money you need. Guest: J.D. LaRock, senior education advisor to Senator Edward Kennedy. Need a house you can afford? Facing foreclosure and want help to stay in your home? Marietta Rodriguez (NeighborWorks America) tells how you can get the help you need. Save Money. CUNA's Susan Tiffany tells you how much in this Best Money Tip YOU sent to us. Simply change one thing you do at your bank or credit union. It will save you a bundle.

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Make your kid a millionaire! If your teen works, there's one sure-fire investment tool to make your dream come true. Wait til you hear! "It's easy; start now," says Nancy Granovsky, a professor at Texas A&M. You sock your money away in stocks, bonds, real estate. But, do you know how much you really made in your portfolio this past year? Rutgers University's own Barbara O'Neill tells you how to figure that out. Who gets Grandma's yellow pie plate? Family social science professor Marlene Stum addresses an issue few families escape. Listen to this! You can get stuck with a fee for walking into your bank and asking the teller a question! Ed Mierzwinski, consumer program director and advocate, talks banking tips. Generic medicines; lower your homeowner's insurance cost; save money at the gas pump; improve your credit score. And closing out the show, host Paul Berry answers your questions.

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FIVE SMART THINGS you can do with your tax bonus refund. Steve Brobeck, executive director of the Consumer Federation of America, tells you how to dig out of debt and steps you can take to start saving. Been using your home equity as a piggy bank? Want a refund anticipation loan? Don't make a move until you listen to Steve. Have a problem with your bank or credit union you can't resolve? Need help? Gigi Hyland, board member with the National Credit Union Administration, knows who you can contact! If debt collectors are hounding you, you don't want to miss this! Ruth Susswein from Consumer-Action knows your rights. She knows your responsibilities, too. Do you? Teaching preschoolers about money; developing a spending plan; finding a good auto mechanic BEFORE you need one; try it before you buy it--saves you money. And finally, host Paul Berry answers your questions.

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New! Improved! The $5 bill! WHY it's coming to a cash register near you! Dawn Haley, with the Bureau of Engraving and Printing, tells SOME of the secrets of the new note. Is the U.S. economy in a recession? Lend an ear to economist Steve Rick. Political campaigners always ask, "Are you better off today than you were 4 years ago?" Well, are YOU? The world of Internet Gambling is like the Wild West! Lawless, profitable; the facts will astound you! With a sucker born every minute, what was the social cost last year? Keith Whyte tells you why it's a boomin' biz. It's America Saves Week and we Americans just DON'T. Pay yourself now--before you pay the Piper! Advice from the Consumer Federation of America Free tax return preparation; pay down credit card debt; options when your adjustable rate mortgage changes; host Paul Berry answers your questions.

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Don't lose your shirt with bad investments! Avoid common mistakes most investors make. Paul Merriman, founder and director of Merriman Berkman Next, identifies the pitfalls and what you can do to grow your money. If you want good health care and long-term financial security, hear what Lisa Davis, from AARP, has to say about the Divided We Fail campaign. You'll want to join this effort! It is important for your well-being now and in the future. Before you get one day older, listen to attorney Mary Randolph with estate planning basics on wills, trusts, estate taxes and more. Make sure your loved ones will be taken care of. Pay attention! If you don't have your family disaster plan ready to put into action, if you can't lay your hands on items critical to your survival and move to safety within a few minutes, you need to prepare now with tips from Dr. Joyce Cavanagh.

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How to get money for colleg - PERIOD! Joe Orsolini, President of College Aid Planners. Kids talk about financial education in their high school. What they know NOW that they didn't know before about money management and why it is so important. What's available in YOUR kid's school to teach about budgeting, investing and using credit wisely? Six investment strategies for a volatile market. Jow Saari, publisher of The Educated Investor, tells how you can THRIVE, not just survive! You don't want to miss this! Freeze your credit - what does that mean; what does it do? Is locking access to your credit file the way to go? Will it prevent identity theft? John Ulzheimer, President of Credit.com answers. Support team for new business; making a bigger impact on your retirement nest egg; how not to have your estate tied up in probate; filing a property tax assessment appeal. Finally, host Paul Berry answers listener e-mail.

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Home & Family Finance -- 03-08 All three guests on this special show, taped during the Credit Union National Association's Governmental Affairs Conference in Washington, DC, have one goal: Help you make sense of the mortgage crisis and know where to turn if you're in trouble. Has the impact of the market on mortgage lending hurt YOU? Don't miss WesCorp's top economist Dwight Johnston's answer. Pay attention to what Mike Schenk, vice president of economics for credit unions' largest trade association, has to say about what's going on with mortgages right now and where to find lenders that won't rip you off. Can't make your mortgage payment? Don't just sit there! Do something! John Snyder, with NeighborWorks America, has foreclosure solutions you have to hear. Host Paul Berry leads discussion on help for homeowners, and audience questions about housing and mortgages.

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Michael Wroblewski, from Consumer Reports, tells you how to get the money you need for college and, perhaps just as important, when you should apply. Time your retirement or lose money. Sally Hurme unfolds a retirement roadmap and has a retirement calculator to figure out the When and How Much for your needs. Have your income tax return prepared free of charge! How to find the right tax preparer for you. This and more from the IRS's Mark Green. Kiss your paycheck good bye. Say hello to payroll cards! Barry Wides, of the Treasury's office of the Comptroller of the Currency, lays out the benefits to you. Make the most of your income tax refund; update your beneficiary choices; one secret to build your savings; determine your debt level; best way to pay down credit cards. Host Paul Berry answers your questions.

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"Give your wallet a workout with 3 exercises that trim your bottom line and get your finances in better shape," guest Cate Williams says. 9 BILLION dollars slip through workers' fingers every year because of one thing. Jeanette Valencia (Legal Aid Society of Orange County, California) tells what it is and how you can get it, along with help, free of charge. You work hard for every dime. Do not let YOUR money slip away. Throw out your regular old T.V. when all television goes digital in February 2009?!? Catherine Seidel, with the FCC, comes to your rescue with coupons for converter boxes so you won't miss a single program. Don't miss this! Every 4 seconds, an unsuspecting American consumer is bamboozled. That's more than 7 million customers taken advantage of every year by an unscrupulous, uncaring or unavailable company, corporation or creep. Ron Burley's book, Unscrewed,is your guide to getting your way and your money back

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Listen up! I-R-S tax man Eric Smith tells 4 key things that will get you a bigger return on the money you earn. Times are tough. Author Jordan Goodman says you can make fast profits in hard times using 10 secret strategies to make you rich in an up or down economy. You do NOT want to miss this! How do you decide when to use your debit vs credit card? Connie Trudgeon has the one word answer that can save you money. Listener Kim sent a great money management reminder that affects every single one of us. Wait til you hear how to make it work for you and the people you love! Host Paul Berry Answers You: build a good credit history; steps you can take about negative information in your credit report; on line shopping safety; safest way to pay on line.

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1) 5-Step Debt Diet: Trim Your Post-holiday Credit Card Flab. Brad Stroh, founder and co-CEO, Freedom Financial Network, LLC, San Mateo, Calif. 2) Your Money & Your Brain: How the New Science of Neuroeconomics Can Help Make You Rich. Jason Zweig, senior writer for Money magazine 3) What To Do When You Are Facing an Adjustment to Your ARM (Adjustable Rate Mortgage). Frank Nothaft, chief economist, Freddie Mac, McLean, Va. 4) Credit Myths, Rick Harper, vice president/director of housing, Consumer Credit Counseling Service, San Francisco, Calif. 5) Listener Q & A: instant messaging and your child's safety; airlines/airports with best on-time records; why your income does not stretch as far as it used to; estates in probate.

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1) What a Weak U.S. Dollar Means to You; 2) Do Better, Do More with Your 401(k); 3) Make Your Home More Energy Efficient. 4) Identity Theft: What Is the 911? 5) Listener Q & A.

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1) How to Stop Getting Junk Mail You Don't Want. Pat Kachura, senior vice president for corporate responsibility, Direct Marketing Association, Washington, DC; 2) Kids.gov - The Official Kids Portal for the U.S. Government. Mary Levy, director, Federal Citizen Information Center (FCIC) Consumer Information and Outreach Division, Washington, DC; 3) Building Credit With a Secured Credit Card. Linda Sherry, director of national priorities, Consumer Action, Washington, DC; 4) Ways to Lower Your Utility Costs. Mike Wilson, marketing and communications coordinator, Eastern Illini Electric Cooperative, Paxton, Ill.; 5) Listener Email Questions

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