CUT THE COST OF PURCHASES WITH SERGEANT SHOPPER, a.k.a. Karen Jowers, staff writer, Military TimesU.S. BETTER BUSINESS MILITARY LINE - WHAT'S IT HAVE FOR YOU? Holly Petraeus, director, BBB Military LineVETERANS' BENEFITS. Keith Pedigo, associate deputy undersecretary for policy and program management, Department of Veterans AffairsNAVIGATING THE VETERANS BENEFITS MAZE. Shad Meshad, founder and president, National Veterans Foundation

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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 (& WHY) BEFORE YOU DIE. Tech tools help get the job done. Eric Aanes, founder and president, Titus Wealth ManagementFINANCIAL FITNESS: MORE THAN A GOOD CREDIT SCORE. Brad Stroh, co-founder, CEO, Bills.com10 TECHNIQUES TO MANAGE YOUR PERSONAL COST OF LIVING. Kathy Kristof, senior writer, Los Angeles Times & author of "Investing 101"

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IRS Extends Deadline to Roll Over 2009 Required Minimum Distributions for IRAs. Dennis Zuelhke, Ascensus IRA Services 2. Home Heating This Winter: Temperatures, Fuel Costs & Tips. Ronnie Kweller, director of media relations, Alliance to Save Energy 3. Your Credit Report Card: Do You Make the Grade? New Online Tool! John Ulzheimer, president of consumer education, Credit.com and contributor to CNBC's One the Money 4. Tips for Happy Holidays without the Financial Headache. Michael Gutter, PhD, assistant professor and family financial management specialist, University of Florida 5. Q & A: Annuities as a retirement funding strategy; need help paying bills -- do you have to give power of attorney; increase insurance coverage when remodeling; paying bills on the web -- pay each company or pay from your financial institution or consolidated service?

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5 Rules to Retirement Saving. Bill Losey, certified financial planner and author; Bill Losey Retirement Solutions 2. Financial Empowerment for Domestic Violence Survivors. Sue Else, president, National Network to End Domestic Violence 3. Why We're Losing the War Against Identity Theft. Robert Siciliano, television news correspondent, author and security expert 4. Spending Money You Don't Have? Overdrafts Are Telling You Something. Susan Tiffany, Center for Personal Finance, Credit Union National Association (CUNA) 5. Q & A: Financially savvy disaster planning; freezing your credit report; new benefits in 529 college savings plans; book flights now to avoid holiday headaches and higher prices.

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Lost money selling your home? In the military? HAP (Homeowner's Assistance Program) can help ease your money woes if you qualify. Katie Savant, deputy director of government relations with the National Military Families Association, lays out what HAP covers - the who, what, when & why. Get the facts. 2. Fueling Fair Practices: A Road Map to Improved Public Policy for Used Car Sales and Financing. Ever get ripped off buying and financing a used vehicle? John Van Alst, an attorney at the National Consumer Law Center in Boston, tells what is needed to provide better consumer protection. 3. Individual Development Accounts (IDA) - A Savings Account for You? Leigh Tivol, senior program manager with CFED (Expanding Economic Opportunity) in Washington, DC, explains what an IDA is, how you qualify for an IDA, and how you can start saving. 4. Coping With Change When Your Spouse Dies. It will be easier to get your documents together before you need them. How many copies of a death certificate do you need? How do you apply for benefits to create cash flow? Susan Tiffany, director of personal finance information for adults in the Center for Personal Finance with the Credit Union National Association (CUNA), delivers practical advice you can depend on. 5. Money Smart Things to Do With Your Income Tax Refund; Identity Theft; Three Ways to Waste Money on a Car -- Your Questions Answered

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I Will Teach You to Be Rich! Ramit Sethi, founder and writer of Iwillteachyoutoberich.com2. Financial Planning Week: It's Important to You & Your Family. Ken McDonnell, program director, Employee Benefit Research Institute/American Savings Education Council 3. Technology Trends at Your Credit Union. Kathy Herziger-Snider, vice president, product development, CO-OP Financial Services4. Payday Lending, Usury Laws, and Statutory Sleight of Hand. Christopher Peterson, associate dean for academic affairs & professor of law, S.J. Quinney College of Law, University of Utah

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Consumer Resources On Line at the Federal Citizen Information Center. Teresa Nasif, director, U.S. General Services Administration's Federal Citizen Information Center2. 10 Things You Need to Know About Auto Insurance for Military Personnel. Ethan Ewing, president, Bills.com 3. Non-Sufficient Funds Fees & Overdraft Protection Programs at Military Financial Institutions. Marocco Roberts, captain, and banking and credit union liaison officer, U.S. Army, the Pentagon 4. AARP Tax-Aide: Tax Help for the Elderly. Bonnie Speedy, national director, AARP Tax-Aide and vice president, AARP Foundation 5. Save to Win & Other Prize-linked Savings Programs: Is This the Incentive You Need? Chris Day, senior vice president, Marketing, NUunion Credit Union, Lansing, Mich.

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Is Fear Stopping You From Making Financial Decisions? Laura Rowley, Yahoo! Finance columnist and author 2. 10 Ways to Save on Health Care. Ethan Ewing, president, Bills.com 3. Are You Responsible for Your Deceased Relative's Debts? Quisaira Whitney, Federal Trade Commission 4. Extreme Frugality: Can You Handle It? Karen McCall, founder and president, Financial Recovery Institute

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Groupon: A collective buying web site. What is it and how does it work? Andrew Mason, founder and CEO 2. Hurricane Season: Homeowner's Insurance; R U Covered for Catastrophes? Michael Barry, vice president , Insurance Information Institute 3. How to Avoid Auto Warranty Scams. Steven Baker, director, Midwest Region Federal Trade Commission 4. The BBB Goes ABC: New Grading System Helps Consumers. Steve Cox, vice president, Council of Better Business Bureaus 5. How to identify "secure" web site; monitoring accounts for identity theft; saving money on groceries

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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 2. 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). 3. Saving for College. Jason Alderman, director, issues management, Visa USA 4. The Secrets of Money: A Guide for Everyone on Practical Financial Literacy. Braun Mincher, entrepreneur and author 5. Simple ways to save gas, laddering certificates of deposit, selecting a credit counselor: Host Paul Berry Answers Your Questions

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Perfect Storm Brews for Identity Theft: Worst Data Breach Yet to Come. Adam Levin, chairman of IDentityTheft 911.com and former director of the New Jersey Division of Consumer Affairs, warns of the factors coming together to create a perfect storm for an upsurge in identity theft. Bottom line? We ain??t seen nothin?? yet! 2. MatchSavings.org lets you match the savings of someone living in poverty. You choose who to help meet their savings goal and choose to match their savings toward housing, education or a business. Janette Klaehn, vice president of communications with the World Council of Credit Unions (WOCCU) in Madison, Wisc. tells you how MatchSavings.org differs from other microfinancing initiatives and why you should sign on to MatchSavings.org.

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GET YOUR BUCKS IN A ROW: GAIN CONTROL OVER HOUSEHOLD CASH FLOW. Sue Perry, deputy editor, ShopSmart magazine, sister publication of Consumer Reports 2. WHEN IS A DEAL, NOT A DEAL? Madeleine Greene, financial counselor, ??Best Little Money Book?? author & retired family and consumer science professor, University of Maryland 3. TRICKS OF THE TRADE: OUTSMARTING INVESTMENT FRAUD. John Gannon, FINRA Investor Education Foundation 4. Used Car Buyer??s CSI. Larry Gamache, CARFAX 5. YOUR QUESTIONS ANSWERED: Save money on college textbooks; when to get free credit reports; and overdraft protection fees

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Earn Your Best Credit Grade. Susan Tiffany, CUNA director of personal finance for adults 2. Reduce Debt, Reduce Stress. Gerri Detweiler, credit expert and author, Credit.com 3. One-Income Household: Disaster Management When One Income Suddenly Disappears. Susan Reynolds, freelance editor and author 4. Motorist Assurance Program: Needed Protection for Car Owners & Get Your Brakes Checked Free During Brake Safety Awareness Week. Barry Soltz, president, Motorist Assurance Program 5. Save Money Buying On Line Using Special Discount/Promotional Codes. Barry Boone, CEO, CurrentCodes.com

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THE NEW CREDIT CARD LAW & YOUNG ADULTS. Dr. Mary Beth Pinto, marketing professor and credit card researcher, Penn State Erie 2. SUSTENANCE AND HOPE FOR CAREGIVERS OF ELDERLY PARENTS. Gloria Barsamian, retired social worker 3. CASH FOR CLUNKERS. Ellen Martin, public affairs specialist, National Highway Traffic Safety Administration, U.S. Department of Transportation 4. Cut the cost of college text books; the power of online coupons; money market accounts and mutual funds - Your Questions Answered

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SALES TAX HOLIDAYS FOR BACK TO SCHOOL SHOPPING. Verenda Smith, manager, administration and policy, Federation of Tax Administrators, Washington, DC 2. SEVEN STEPS TO GET OUT OF YOUR PARENTS' HOUSE AND INTO A CAREER: A GUIDE FOR RECENT COLLEGE GRADUATES. Robin Fisher Roffer, author of The Fearless Fish Out of Water: How to Succeed When You're the Only One Like You 3. THE ECONOMY HITS BACK-TO-SCHOOL AND BACK-TO-COLLEGE SHOPPING. Ellen Davis, vice president, National Retail Federation of America 4. 9 REASONS TO CHOOSE A VACATION RENTAL HOME. Christine Karpinski, author and director of owner community, HomeAway 5. YOUR QUESTIONS ANSWERED: Qualifying for lower auto insurance rate; how to pay down credit card debt; safe deposit box vs. home safe

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DON'T FORGET TO SING IN THE LIFEBOATS: UNCOMMON WISDOM FOR UNCOMMON TIMES. Kathryn and Ross Petras, brother & sister writing partners, NYC, NY 2. CONSUMERS EATING HEALTHIER, SAVING MONEY DURING RECESSION: HEALTHY EATING ON A BUDGET. Phil Lempert, the Supermarket Guru 3. HOW CREDIT UNIONS HELP THE FINANCIALLY UNDERSERVED. Carolyn Lane, senior vice president, business development and marketing, CO-OP Financial Services 4. CREDIT REPORTS, CREDIT SCORES AND MORE: WHAT YOU NEED TO KNOW AMID 2009 LEGISLATION AND ECONOMY. Brad Stroh, co-CEO, Bills.com 5. YOUR QUESTIONS ANSWERED: Scams by fake charities; liability with lost/stolen debit card; how to lower the cost of your auto insurance; and buying foreclosed property

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1. SOCIAL COST OF FINANCIAL ILLITERACY -- Too many consumers lack basic money management skills. They make mistakes that cost them, but also cost our entire society and economy. Jack Gillis, consumer advocate, author, director of public affairs, Consumer Federation of America, and president, Gillis & Associates 2. HOUSING TRENDS FOR AN AGING U.S. Elinor Ginzler, senior vice president for livable communities, AARP 3. SENIOR COOPERATIVE HOUSING. Amy Fredregill, vice president, Cooperative Network, St. Paul, Minn. 4. YOUR QUESTIONS ANSWERED: Length of time information stays on your credit report; check cashers and payday lenders; credible source for investment information; and the benefits of using direct deposit for your pay checks

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1. Jean Chatzky, NBC 'Today' money expert on how 2 boost your financial status in her new book The DIFFERENCE: TRAITS AND HABITS OF THOSE WHO MOVED FROM THE LOWEST ECONOMIC STRATA TO THE HIGHEST AND HOW YOU CAN, TOO. 2. THE NEW G.I. BILL. New & improved, but what's in it for YOU? Sean-Michael Green, author of Marching to College: Turning Military Experience into College Admissions. 3. ARE YOU WORRIED ABOUT YOUR FINANCIAL ADVISOR? Steps you can take. Diahann Lassus, National Association of Personal Financial Advisors 4. U.S. LAGS WORLD IN PAID SICK DAYS FOR WORKERS & FAMILIES: ARE YOU AT GREATER RISK OF CONTRACTING COMMUNICABLE DISEASES? Dr. Jody Heymann, director of the institute for health and social policy and professor of epidemiology at McGill University, Montreal, Canada

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CAN'T AFFORD TO SELL YOUR HOME? STAYING PUT? THIS WEEK??S SHOW IS ABOUT TAKING CARE OF THE HOUSE YOU DO OWN. 1. GOING BUGGY? HIRE A PEST CONTROL FIRM - Who's right for you and your creepy crawlies? We asked Greg Baumann, senior scientist and technical director, with the National Pest Management Association 2. GET YOUR HOME INSPECTED. IT ISN'T JUST FOR HOME BUYERS. Even if you've owned your home for several years, having your house inspected may help you set future repair priorities and plan upgrades--and save money over the long run. Nick Gromicko, at the International Association of Certified Home Inspectors tells what should be checked and why. 3. HOW TO HIRE A HOME IMPROVEMENT CONTRACTOR - A Consumer Guide to Finding the Right Company for Any Job with Renee Rewiski, president of the National Association of the Remodeling Industry (NARI). 4. DE-CLUTTER AND ORGANIZE YOUR HOME. Marcia Weuve, owner of Impact Solutionz: the Organizing Specialists, has simple short tasks to leave any home in ship-shape condition. 5. HOW TO ZAP YOUR HOME ELECTRICITY EXPENSE

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1. Happy 35th Birthday, Bar Code! The Bar Code is poised for revolutionary additions to help consumers! Tod Marks, sr. editor, Consumer Reports 2. $8,000 Tax Credit for 1st Time Homebuyers. New credit for 2009 purchases! Celebrate National Homeownership Month with guest Jerry Howard, Pres/CEO, National Association of Home Builders 3. Operation False Charity. David Horn, lawyer with the Federal Trade Commission (FTC), who sues companies that deceive consumers. This time it's phony charities that appear to support Veterans, Firefighters, and other service providers--BUT DON'T! 4. Surprise Travel Packages: Are Bundled Vacation Deals a Bargain? Guest Sue Perry, deputy editor of ShopSmart, from the publishers of Consumer Reports, clues us in.

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1. CROOKS DON'T TAKE VACATIONS! Keep Your Credit Card & Personal Information Safe on Vacation. Lyn Chitow Oakes, Trusted ID 2. Credit Card Repayment Relief: New Terms Offer Better Options for Consumers. Gail Cunningham, National Foundation for Credit Counseling. 3. If You Lose Your Job, What Happens to Your 401 (k)? Jordan Amin, American Institute of Certified Public Accountants. 4. MyCommuteSucks.com Our highways are choked, our overpasses are collapsing- -Let's Have 21st Century Transportation for a 21st Century America! David Goldberg, Transportation for America

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1. Power Through Credit Card Debt. Susan Tiffany, director of personal finance information for adults, Credit Union National Association (CUNA) 2. 1,001 Things They Won't Tell You: An Insider's Guide to Spending, Saving and Living Wisely. Jonathan Dahl, editor in chief, SmartMoney magazine, Wall Street Journal 3. Provisions of the Credit Card Act of 2009. Pamela Banks, policy counsel, Consumers Union, publisher of Consumer Rpts 4. Sweeping Change In Credit Card Rules: How They Affect You. Adam Levin, founder and chairman, Credit.com 5. Auto Insurance Coverage; Erase Your Debt & Debt Settlement Scams; Medicare & Nursing Home Stays; Your Questions Answered

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1. "Are We There Yet?" Fuel Efficiency Tips for Your Summer Road Trip. Kateri Callahan, president, Alliance to Save Energy 2. Making the Golden Years Golden: Sources of Information to Guide You In Making the Right Decisions for Living Better, Healthier, Independently, and Stress Free. Dr. Eva Mor, epidemiologist and specialist in gerontology and health-care management 3. George Orwell Could NOT Have Imagined This! There's a Spy in Your SmartPhone. Amina Fazlullah, staff attorney, U.S. PIRG (Public Interest Research Group) 4. There are Bernie Madoffs After YOUR $$! Recession Puts YOU at Increased Risk of Being Duped by Pyramid/Ponzi Schemes. Sally Greenberg, executive director, National Consumers League 5. Roof-top luggage carriers and gas mileage; income tax and your 401(k) contributions; and Fannie or Freddie -- do they hold your mortgage? Your Questions Answered.

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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 ManagementFinancial Fitness: More Than a Good Credit Score. Brad Stroh, co-founder, CEO, Bills.com10 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

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SPECIAL MEMORIAL DAY SHOWMemorial Day: Its significance & the tradition of the National Memorial Day Parade. Tim Holbert, program director, American Veterans CenterDepartment of Defense Financial Challenge Road Show. Arty Arteaga, president, Defense Credit Union Council, Washington, DC and U.S. Navy Commander David Julian, CDR OSD PR, director of the office of Personal Finance and Transition, Department of Defense, the Pentagon, Arlington, VAMoney and Mobility: A Publication for Military Personnel and Families. John Gannon, senior vice president for investor education and president of the FINRA Investor Education Foundation, Financial Industry Regulatory Authority (FINRA)Troops Against Predatory Scams (TAP$). Andrew Roth, director of education and outreach, California Dept of CorporationsWhat you should know BEFORE signing a lease to rent a home; subscription magazine scams; and HELP! I bought too much car-what to do? Your Questions Answered

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TAPED BEFORE A LIVE AUDIENCE AT THE GEORGIA CREDIT UNION AFFILIATES ANNUAL CONFERENCE IN SAVANNAH Build a Savings Plan That's Right For YOU. Skye Tyler, education coordinator, Consumer Credit Counseling Service, Savannah What to Do If You Need Foreclosure Counseling, or Debt Management and Credit Counseling. John Willis, president, Consumer Credit Counseling Service, Savannah Know These Signs of Foreclosure Rescue Scams and Credit Repair Scams. Michael Liggins, senior investigator and computer fraud specialist, Federal Trade Commission, Atlanta Questions from the Audience

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Personal Finance for Military Families Booklet. Kim Lankford, author, contributing editor, Kiplinger's Personal Finance Magazine and columnist for Kiplinger.com Credit Unions: Alternatives to Banks. Eric Porter, evp business development and marketing, Co-op Financial Services Tax Credits for Homeowners Making Energy-Efficient Home Improvements Extended Through 2010. Ronnie Kweller, deputy director, Communications, Alliance to Save Energy Broadband: If You Build It, Will They Log On? Can broadband reach the entire country & does everyone want it? John Horrigan, PhD, associate director for research, Pew Internet & American Life Project Ways older workers can recoup significant investment losses; Truth-in-Lending Statements; Universal Design for Homes -- Your Questions Answered

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Teen entrepreneurs; the home mortgage mess & you; and the financial and environmental benefits of going green. This week's show with guests from Ohio. Teen Entrepreneurs Starting Businesses. Laura Busque, outreach manager, Ohio Credit Union League Home Mortgage Foreclosures - What YOU Can Do. Jim Rokakis, Cuyahoga County Treasurer, Cleveland Go Green--Save Money--Save the Planet!" Bill Eger, energy manager, Office of Sustainability, City of Cleveland Questions from audience

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COUPLES & MONEY Pre-Nuptial Agreements. What's in one? Do you need one? Do you want one? Katherine Stoner, author, educator, attorney, Stoner-Welsh, Pacific Grove, Calif. Divorce: Separating Your Credit While Separating Your Lives. Maxine Sweet, vice president of public education, Experian, Allen, Tex Military Couples and Personal Finance: Special considerations help manage your money. Karen Jowers, staff writer, Military Times, Arlington, VA Estate Planning: Making arrangements for the one you'll leave behind. Mary Randolph, attorney, author, vice president of editorial, NOLO, Berkeley, Calif

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Lost money selling your home? In the military? HAP (Homeowner's Assistance Program) can help if you qualify. Katie Savant, with the National Military Families Association, lays out what HAP covers. Get the facts.Ever get ripped off buying & financing a used vehicle? John Van Alst, with the National Consumer Law Center, tells what is needed for better consumer protection.Individual Development Accounts (IDA)-- A Savings Account for You? Leigh Tivol, senior program manager with CFED--Expanding Economic Opportunity--in Washington, DC, explains how you qualify and start saving.Coping With Change When Your Spouse Dies. Get your documents together now. How many copies of a death certificate do you need? How do you apply for benefits to create cash flow? Susan Tiffany, in the CUNA Center for Personal Finance, delivers practical advice you can depend on.Money Smart Things to Do With Your Income Tax Refund; Identi

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Sustainable Homeownership: Future Role of Government. Lisa Ransom, vice president of federal affairs, Center for Responsible Lending, Washington, DC Low-Income and Minority Financial Services Concerns. Stephanie Bittner, consumer credit counselor, Consumer Credit Counseling Service of Delaware Valley, Philadelphia, Penn. Credit Card Reform. April Breslaw, director, Consumer Regulations, Office of Thrift Supervision, Department of the Treasury Turning Points - Think "Future" When Starting a Business. Susan Tiffany, director, personal finance information for adults, Center for Personal Finance, Credit Union National Association

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Perfect Storm Brews for Identity Theft: Worst Data Breach Yet to Come. Adam Levin, chairman of IDentityTheft 911.com and former director of the New Jersey Division of Consumer Affairs, warns of the factors coming together to create a perfect storm for an upsurge in identity theft. Bottom line? You ain't seen nothin' yet! MatchSavings.org lets you match the savings of someone living in poverty. You choose who to help meet their savings goal and choose to match their savings toward housing, education or a business. Janette Klaehn, vice president of communications with the World Council of Credit Unions (WOCCU) in Madison, Wisc. tells you how MatchSavings.org differs from other microfinancing initiatives and why you should sign on to MatchSavings.org. What's in the stimulus package for YOU; info on credit card repayment solutions. Your Questions Answered.

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Landscape Your Home to Save Energy and Money. Michael Weishan, former host of America's oldest and most popular gardening TV show, PBS's Victory Garden Check Your Car's History Before You Buy. Maxine Sweet, vice president of public education, Experian 2009 Required Minimum Distribution Waiver--What Is It & Why You Should Care? Dennis Zuehlke, compliance manager, CUNA Mutual Group Your Questions Answered: Co-signing for a loan; routine vehicle expenses; appealing property tax assessments.

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Predatory Companies: How to Avoid Them; How to Fight Back. Ron Burley, consumer activist and reporter, author, columnist, Eugene, Ore. Protecting Yourself from Data Breaches & Cyber Thieves. Scott Mitic, CEO, TrustedID, San Francisco, Calif. Feast-or-Famine Budgeting: Savings 101 for Consultants, Freelancers, Artists and the Self-Employed. Ethan Ewing, president, Bills.com, San Mateo, Calif. Your Questions Answered - IRS tax advice for self-employed; when you've lost your job; which ones to pay 1st with credit card debts

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SURVIVAL KIT: TIPS ON TAXES, ENERGY AND JOB LOSS - Today's economy calls for an arsenal of personal finance tools and knowledge. Don??t skip these tips about how to: save money with low-cost landscaping, take advantage of energy saving and vehicle-buying tax incentives, and keep your cool when faced with the dreaded pink slip. Energy Saving Tax Incentives in New Economic Stimulus Law. Ronnie Kweller, deputy director, communications, Alliance to Save Energy Landscape Your Home to Save Energy and Money. Lani Macrae, energy star director of communications, Department of Energy Will Vehicle-Buying Tax Incentives Get You Back in the Showroom? Eric Hoffman, spokesman, Americans Well-Informed on Automobile Retailing (AWARE) Keep Your Head When Facing Job Loss. Susan Tiffany, director of personal finance information for adults, Credit Union National Association's Center for Personal Finance Listener Q&A: Smarter sh

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Avoid Fake Check Scams. Susan Grant, director of consumer protection, Consumer Federation of America Mission of the Department of Veteran Affairs Center for Women Veterans. Irene Trowell-Harris, RN, EdD, Major General (USAF, retired), director, Center for Women Veterans, U.S. Department of Veteran Affairs Military Couples & Money. Money issues are the # 1 problem for many couples. Add to that the special circumstances for military families and agreed upon money management makes a positive difference. Katie Savant, National Military Families Association Getting an Excellent Credit Score Just Got Harder Than Ever. John Ulzheimer, nationally recognized credit expert and author, president of consumer education, Credit.com and contributor, CNBC's "On the Money" Credit Card Breaches -- Too Little Too Late. Adam Levin, former N.J. director of consumer protection, founder and chairman, Identity Theft 911

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TAPED BEFORE A LIVE AUDIENCE AT THE CREDIT UNION NATIONAL ASSOCIATION GOVERNMENTAL AFFAIRS CONFERENCE, WASHINGTON, DC The State of Our Economy and a Forecast from Bill Hampel, senior vice president, research and policy analysis, and chief economist, Credit Union National Association and Advice for Consumers During Difficult Times with Jack Gillis, consumer advocate, author, director of public affairs with the Consumer Federation of America and president of Gillis & Associates in Washington, DC. From the Audience: Questions and Comments

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AMERICA SAVES WEEK Start Saving Today with America Saves Program. Nancy Register, associate director of the Consumer Federation of America, tells how to take those 1st steps Everyone Can Save! Lower-Income Household Savings Initiatives: Saver's Bonus Act and AutoSave. Ray Boshara, vice president and director of Asset Building Program, New America Foundation Never Too Young to Save: Start Young Savers Off On the Right Foot. Eric Porter, executive vice president, Business Development and Marketing, Co-op Network, Rancho Cucamonga, Calif; and Build Your Emergency Savings Fund. Ethan Ewing, president of Bills.com in San Mateo, Calif. has a plan that's right for you

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Social Cost of Financial Illiteracy - Too many consumers lack basic money management skills. They make mistakes that cost them, but also cost our entire society and economy. Jack Gillis, consumer advocate, author, director of public affairs, Consumer Federation of America, and president, Gillis & Associates Foreclosure Rescue Scams. "We will stop your foreclosure & you keep your house!" Sound too good to be true? It might be! Barry Wides, deputy comptroller of community affairs, Office of the Comptroller of the Currency, Department of the Treasury Fair Debt Collection. What debt collectors can legally say and do to you. Thomas Kane, senior attorney, Division of Financial Practices, Federal Trade Commission

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COUPLES & MONEY Pre-Nuptial Agreements. What's in one? Do you need one? Do you want one? Katherine Stoner, author, educator, attorney, Stoner-Welsh, Pacific Grove, Calif. Divorce: Separating Your Credit While Separating Your Lives. Maxine Sweet, vice president of public education, Experian, Allen, Tex Military Couples and Personal Finance: Special considerations help manage your money. Karen Jowers, staff writer, Military Times, Arlington, VA Estate Planning: Making arrangements for the one you'll leave behind. Mary Randolph, attorney, author, vice president of editorial, NOLO, Berkeley, Calif

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Sustainable Homeownership: Future Role of Government. Lisa Ransom, vice president of federal affairs, Center for Responsible Lending, Washington, DC Low-Income and Minority Financial Services Concerns. Stephanie Bittner, consumer credit counselor, Consumer Credit Counseling Service of Delaware Valley, Philadelphia, Penn. Credit Card Reform. April Breslaw, director, Consumer Regulations, Office of Thrift Supervision, Department of the Treasury Turning Points - Think "Future" When Starting a Business. Susan Tiffany, director, personal finance information for adults, Center for Personal Finance, Credit Union National Association

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Countdown to Conversion: An Update on the Switch to Digital TV. Will Congress push the start date back to June12th? Dan Rumelt, outreach advisor, Federal Communications Commission Crisis at the Shelter: Pets and Foreclosure. Betsy McFarland, director of communications, Companion Animals Section, Humane Society of the United States, Washington, D.C. Earned Income Tax Credit. FREE money! Are you eligible? Eric Smith, spokesman, Internal Revenue Service (IRS) Community Outreach for Earned Income Tax Credits. Pam Swope, marketing manager, FinancialEdge Community Credit Union, Bay City, Michigan. My Credit Union Helped Me with My Taxes. Lee Ann, member, FinancialEdge Community Credit Union

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REBROADCAST OF EARLIER SHOW Apply NOW for Federal Student Loans. Anne Barton, regional director for business development, National Student Loan Program Organize Your Finances for the Year. Jason Alderman, director, issues management, Visa USA Shopping Secrets to Save You Big: 24 of the best money-saving and road-tested tips to prevent you from overspending. Sue Perry, deputy editor, Consumer Reports' ShopSmart Green Savings: Save Money, Save the Planet. Ethan Ewing, president, Bills.com Your Questions Answered: durable power of attorney for health care; buyers' market for new car purchases; mortgage foreclosure-rescue scams; investing in a volatile market

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Award-winning journalist Jean Chatzky on Paying off Holiday Debt. Chatzky is also a best-selling author and motivational speaker. What to Do When Your Income Decreases. Cate Williams, vice president of financial literacy, Money Management International Credit Card Reform. Gerri Detweiler, consumer advocate, author, and credit advisor, Credit.com Going Green with Financial Transactions. Caroline Lane, senior vice president, business development and marketing, Co-op Network

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Apply NOW for Federal Student Loans. Anne Barton, regional director for business development, National Student Loan Program Organize Your Finances for the Year. Jason Alderman, director, issues management, Visa USA Shopping Secrets to Save You Big: 24 of the best money-saving and road-tested tips to prevent you from overspending. Sue Perry, deputy editor, Consumer Reports ShopSmart Green Savings: Save Money, Save the Planet. Ethan Ewing, president, Bills.com Your Questions Answered: durable power of attorney for health care; buyers' market for new car purchases; mortgage foreclosure-rescue scams; investing in a volatile market

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Thief Discusses Identity Theft: Why Be Me When I Can Be You? Jim Stickley, founder, vice president of engineering and CTO of Trace Security, and author of "The Truth about Identity Theft: Why Be Me When I Can Be You?" How to Be the Family CFO. Kim Snider, CEO of Snider Advisors and author of "How to Be The Family CFO: 4 Simple Steps to Put Your Financial House In Order." Coupon Comeback - Saving You $$. Steven Gray, COO with Money Mailer, discusses the resurgence of coupons and how new varieties can save your family big bucks. Your Questions Answered: Credit card issuer shenanigans; have a hassle free move; durable power of attorney: a must-have for your family's security; and investing in small amounts.

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Thief Discusses Identity Theft: Why Be Me When I Can Be You? Jim Stickley, founder, vice president of engineering and CTO of Trace Security, and author of "The Truth about Identity Theft: Why Be Me When I Can Be You?" How to Be the Family CFO. Kim Snider, CEO of Snider Advisors and author of "How to Be The Family CFO: 4 Simple Steps to Put Your Financial House In Order." Coupon Comeback - Saving You $$. Steven Gray, COO with Money Mailer, discusses the resurgence of coupons and how new varieties can save your family big bucks. Your Questions Answered: Credit card issuer shenanigans; have a hassle free move; durable power of attorney: a must-have for your family's security; and investing in small amounts.

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CRISIS - Managing Personal Finances During a Crisis, John Ulzheimer, president of consumer education, Credit.com and contributor to CNBC's On the Money Creating Holiday Memories That Cost Little or Nothing. Alisa Cohn, executive coach and consultant Fresh Money Management Ideas from the Editors of Home & Family Finance, Susan Tiffany, director of personal finance information for adults, Credit Union National Association Gift Cards or Gift Horse? Is your gift card really a Trojan Horse? Anthony Giorgianni, associate editor, Consumer Reports Money Advisor Your Questions Answered: Protect your Social Security number against identity theft; buying groceries using three money-saving tips; interest rate hikes on credit cards.

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Don't like the gift you got? Give it to someone else! Regifting: Gifts That Keep On Giving. Kim McGrigg, community manager, Money Management International Click and Give: Contributing to Charities Online. Steve Delfin, executive director, National Credit Union Foundation and chairman, America's Charities Holiday Giving: Cash vs Gifts or Gift Cards. Eric Porter, executive vice president, Business Development and Marketing, Co-op Financial Services 5 Holiday Shopping Tips and Tools for Tough Times. Edgar Dworsky, consumer advocate and founder, ConsumerWorld.org and MousePrint.org Spendster.org and the Cost of Unnecessary Spending. Paul Golden, communications project manager, National Endowment for Financial Education (NEFE)

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America's # 1 Crime - Identity Theft Deter, Detect, Defend - Avoiding I.D. Theft. Joanna Crane, identity theft program manager, Division of Privacy and Identity Protection, Federal Trade Commission America's # 1 Crime: Identity Theft & Protecting Yourself. Gail Cunningham, senior director for public relations, National Foundation for Credit Counseling Synthetic I.D. Theft: The Toughest to Solve? Adam Levin, chairman, president, co-founder, Credit.com; and chairman and founder, Identity Theft 911 Security Breaches Affect Everyday People. Jay Foley, executive director, Identity Theft Resource Center Your Questions Answered - Safeguarding your Social Security number; identity theft email scams and phishing; tips to prevent identity theft; easy ways thieves get personal and financial information

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Check Up on Charities: Where's Your Money Going? Laurie Styron, analyst, American Institute of Philanthropy Are Your Deposits Federally Insured and Safe? Gigi Hyland, board member, National Credit Union Administration Military Families - Your Income Taxes. Eric Smith, national spokesman, Internal Revenue Service Your Income Taxes: What to Do Before Dec. 31st. Ethan Ewing, president, Bills.com Put Cash Flow on a Calendar. Susan Tiffany, director of personal finance information for adults, Center for Personal Finance, Credit Union National Association

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America's # 1 Crime - Identity Theft Deter, Detect, Defend - Avoiding I.D. Theft. Joanna Crane, identity theft program manager, Division of Privacy and Identity Protection, Federal Trade Commission America's # 1 Crime: Identity Theft & Protecting Yourself. Gail Cunningham, senior director for public relations, National Foundation for Credit Counseling Synthetic I.D. Theft: The Toughest to Solve? Adam Levin, chairman, president, co-founder, Credit.com; and chairman and founder, Identity Theft 911 Security Breaches Affect Everyday People. Jay Foley, executive director, Identity Theft Resource Center Your Questions Answered - Safeguarding your Social Security number; identity theft email scams and phishing; tips to prevent identity theft; easy ways thieves get personal and financial information

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VETERANS SHOWCut the Cost of Purchases. Sergeant Shopper a.k.a. Karen Jowers, staff writer, Military TimesU.S. Better Business Bureau Military Line. Holly Petraeus, director, BBB Military LineVeterans Benefits. Keith Pedigo, associate deputy undersecretary for policy and program management, Department of Veterans AffairsNavigating the Veterans Benefits Maze. Shad Meshad, founder and president, National Veterans FoundationYour Questions Answered: Executive order eases federal employment for military spouses; new tax benefits for military families

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Get a Good Deal on Your Next Car--Even in Hard Times. Warren Brown, columnist and author, Washington Post Correct Errors on Your Credit Report. John Ulzheimer, author, television host, and president of consumer education, Credit.com New Technology for Home-Based Businesses. Chris Kruger, national relationship manager, Co-op Financial Services Prevent Foreclosure--Even If It's Already Underway. Ethan Ewing, president, Bills.com Listener Q & A - driving less? Reduce your insurance premium; air fare fluctuations; and new and hefty surcharges on rental cars

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5 Questions to Ask About Any Credit Card. Ruth Susswein, deputy director of national priorities, Consumer Action 20 Ways to Save on Prescription Drugs. Edward Jardini, MD, chief of family practice, Twin Cities Community Hospital, Templeton, Calif. What Every Service Member Must Know to Build Credit, Step By Step. Ethan Ewing, president, Bills.com Build Kids' Money Skills With Halloween Fun. Jason Alderman, financial education director, Visa USA Q & A - buying foreclosed property; I.D. theft targets children; replacement cost and actual cash value homeowners' insurance policies; and find out if your home is at risk of flooding

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FORECLOSURE - Avoid It; Get Counseling. Rick Harper, vice president and director of housing, Consumer Credit Counseling Service BUYING FORECLOSED HOME - Not Always a Slam Dunk. Gary Painter, PhD, professor and director of research, Lusk Center for Real Estate, University of Southern California Cooperatives - Good for You, Good for the Economy. Paul Hazen, president and CEO, National Cooperative Business Association No Cost Ways to Keep Your Trick-or-Treaters Safe This Halloween. Scott Wolfson, deputy director, Office of Information and Public Affairs, Consumer Product Safety Commission How to Find Free Entertainment. Susan Tiffany, director of personal finance information for adults, Center for Personal Finance, Credit Union National Association

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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 AssociationGet 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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