![](\"http://www.chiff.com/graphics2/buy-shop.gif\")
Watch for competition in an annual "Christmas clearance" smackdown for the holidays. At the mall, keep an eye out for those gift sets of perfume, cologne, or toiletries sets that go on sale before and after the holidays, (which may make great birthday or anniversary gifts later on) ....
![\"Identity](\"http://www.chiff.com/graphics/magnifyingglassthu.gif\")
It's probably the most frightening issue facing consumers today. Check out how you can protect yourself against identity theft with a few common sense suggestions and links to further resources. While it probably can't be prevented entirely, there are a few identity theft safeguards that have proven effective ....
Cut Your Heating Bills : Fifty Ways to Save Your Money
![\"How](\"http://www.chiff.com/graphics/fireplace_thu.gif\")
Besides using traditional wood burning fireplaces and ensuring proper insulation throughout the house, consider installing solar panels and other new age devices that will save money in the long run. Yes, there must at least 50 ways to save your money and most are simple, inexpensive and easy to do ....
![\"Finacial](\"http://www.chiff.com/graphics2/benfranklin.gif\")
Every year millions of students in the U. S. apply for and receive financial aid and almost half of all students eceive some kind of financial aid. Because college means an investment in our most precious resource—our kids—no child who wants to go to college should be prevented by financial need ....
Advice for the Graduate - Think Twice Before You Swipe
![](\"http://www.chiff.com/pictures/student-credit.jpg\")
A wake up call for students with their first credit or ATM card: hey! that's real world cash money you're spending. For the recent graduate, going into debt is a clear and present danger. Out of school with their first real "grown-up" job and paycheck, new graduates are at high risk for overspending ....
Watch for competition in an annual "Christmas clearance" smackdown for the holidays. At the mall, keep an eye out for those gift sets of perfume, cologne, or toiletries sets that go on sale before and after the holidays, (which may make great birthday or anniversary gifts later on) ....
How To Get Back on Your Feet After A Layoff
![](\"http://www.chiff.com/pictures/laid-off.jpg\")
The reality is that jobs are just not as secure as they used to be no matter where you work. Have you been downsized? Laid off? Know that there are a legion of workers who have recovered and gone on to find even better jobs. No reason you can't ....
Health Insurance When You Lose Your Job?
![](\"http://www.chiff.com/pics/health-insurance2.jpg\")
Fortunately, if you find yourself unemployed with no health coverage there are several things you can do to keep getting the services you need. The following five tips may help keep you insured and reduce stress in an already stressful situation ....
Every year millions of students in the U. S. apply for and receive financial aid and almost half of all students eceive some kind of financial aid. Because college means an investment in our most precious resource—our kids—no child who wants to go to college should be prevented by financial need ....
![](\"http://www.chiff.com/pics/meals-budget.jpg\")
It's a struggle to make veggies appealing and keep junk food off the family menu. Now, as money gets tighter and food prices continue to rise, many parents are left wondering how to provide healthy food options while shopping on a budget ....
Making Sure Payments Get Credited On Time
![](\"http://www.chiff.com/pics/payments22.jpg\")
Check out expert tips and advice to make sure your payments are always on time to avoid late payment fees. With credit scores becoming the test for jobs, mortgages and most other financial arrangements, having late payments counted against you is not a good thing ....
How To Get Back on Your Feet After A Layoff
The reality is that jobs are just not as secure as they used to be no matter where you work. Have you been downsized? Laid off? Know that there are a legion of workers who have recovered and gone on to find even better jobs. No reason you can't ....
Diamond Engagement Ring Buying Guide
![](\"http://www.chiff.com/graphics2/diamond.jpg\")
There are so many choices when it comes to shopping for engagement rings. Let's go through some of the available options and identify the pros and cons. This should help you both figure out what the best options are when you start shopping for your engagement ring ....
Are You Protected from Bad Bosses?
![](\"http://www.chiff.com/graphics2/bad-boss.jpg\")
Did you ever have to deal with a bad boss? Ever have a manager who harrassed you, took credit for your work or was just plain crazy? Worldwide statistics aren't available, but surveys show that 40 percent Americans have worked for someone who they classified as "bad"....
It's a struggle to make veggies appealing and keep junk food off the family menu. Now, as money gets tighter and food prices continue to rise, many parents are left wondering how to provide healthy food options while shopping on a budget ....
Top Ten Sites with Tips & Advice for Investors
![](\"http://www.chiff.com/graphics/money.jpg\")
Whether your goal for investing is to provide a good base for the business you plan to start, the house you plan to buy, the baby you plan to put through college or the dreams for your retirement, you want to find the best way to make your money grow ....
Health Insurance for Your Dog?
![](\"http://www.chiff.com/graphics2/dog-training-2.jpg\")
For the majority of dog owners - is it worth it? Depends. Like health many policies for humans, it pays to shop around for varying rates in annual premiums and deductibles when it comes to insuring your beloved pet ....
Diamond Engagement Ring Buying Guide
There are so many choices when it comes to shopping for engagement rings. Let's go through some of the available options and identify the pros and cons. This should help you both figure out what the best options are when you start shopping for your engagement ring ....
![](\"http://www.chiff.com/graphics/scam.gif\")
People are using the Web to shop, pay bills, do banking, keep up with the news and the latest in health and entertainment. There are thousands more entering the online world every day. The opportunities are endless, but so are the risks. Risks as in dot con ....
3 Important Moving Insurance Tips
![](\"http://www.chiff.com/graphics/money_house_thu.gif\")
Because of problems that can occur when your possessions are transported, moving companies are required to have some basic insurance for your goods. Even with this minimal insurance, however, purchasing additional coverage might be a good idea ....
Top Ten Sites with Tips & Advice for Investors
Whether your goal for investing is to provide a good base for the business you plan to start, the house you plan to buy, the baby you plan to put through college or the dreams for your retirement, you want to find the best way to make your money grow ....
7 Tips to Buying a Quality Car Online
![](\"http://www.chiff.com/pics/internet-cars.jpg\")
Half of us use the Internet to help buy a car. The reasons are obvious -- we can research and compare inventory and pricing all from the comfort of our homes. However, to protect your purchases and hard-earned money, you should take the same common sense approach just as with classified ads ....
Home Remodeling: How Much Is Too Much?
![](\"http://www.chiff.com/graphics/whitehouse_thu.gif\")
When should you decide to stop sinking money into a home and buy a bigger place? And how much rehab is too much when it comes time to recovering remodeling costs through a home sale? Just remember when remodeling, LESS is more ....
People are using the Web to shop, pay bills, do banking, keep up with the news and the latest in health and entertainment. There are thousands more entering the online world every day. The opportunities are endless, but so are the risks. Risks as in dot con ....
Buying A Digital Camera for Your Kids
![](\"http://www.chiff.com/pictures/kds-digital-camera.jpg\")
When you want to buy a digital camera for your little kids, there are lots of things to keep in mind that will help you (hopefully!) to get the right camera for your child. Four factors to keep in mind are colorful and flashy - but still durable - and at the right price ....
Ten Tips for Working with Contractors
![](\"http://www.chiff.com/pictures/contractor2.jpg\")
This is the year you're going all out. You're going to build a deck, add a porch, erect a gazebo or lay a patio. But if it isn't a do-it-yourself project, how can you find the right person to do it for you? Here are ten tips for hiring and working with a local contractor ...
7 Tips to Buying a Quality Car Online
Half of us use the Internet to help buy a car. The reasons are obvious -- we can research and compare inventory and pricing all from the comfort of our homes. However, to protect your purchases and hard-earned money, you should take the same common sense approach just as with classified ads ....
![](\"http://www.chiff.com/pictures/used-cars.jpg\")
What with the costs of gas, insurance and upkeep, more prospective car buyers are shopping smart. They take the initial cost of buying a car and cut it by more than a third — by buying a used car from a list of top makes best known for their reliability, safety, fuel efficiency and, affordability ....
12 Ways to Save Money on Homeowners Insurance
![](\"http://www.chiff.com/graphics/insurance_thu.gif\")
The price you pay can vary depending on a number of factors, including the company you buy your policy from. Here are 12 steps you can take to help you SAVE MONEY on your homeowners insurance .....
Buying A Digital Camera for Your Kid
When you want to buy a digital camera for your little kids, there are lots of things to keep in mind that will help you (hopefully!) to get the right camera for your child. Four factors to keep in mind are colorful and flashy - but still durable - and at the right price ....
![](\"http://www.chiff.com/graphics/newspaper.gif\")
Keep up-to-date with the latest from the IRS as well as from local and state IRS tax offices across the country with this handy guide to staying current as current tax time rolls around ....
Your Equity: Getting the Best Loan Possible
Whether you have excellent credit or not-so good credit, you want the best possible loan you can get. Don't be fooled by loan offers you see on television or receive in the mail. They don't tell the full story. Be a smart borrower by following these steps to getting the best loan possible ....
How to Buy a Used Car
What with the costs of gas, insurance and upkeep, more prospective car buyers are shopping smart. They take the initial cost of buying a car and cut it by more than a third — by buying a used car from a list of top makes best known for their reliability, safety, fuel efficiency and, affordability ....
An Accounting Expert 's Top Five Tax Tips
![](\"http://www.chiff.com/pictures/taxes.jpg\")
A nationally known expert on taxation, John McGowan says earlier is better when it comes to working on your taxes. Early filers avoid the last minute rush and get their refunds sooner.If you live in the USA, McGowan offers five easy ways to get a good jump on your taxes before the April 15 deadline arrives ....
Legal Penalties for Tax Evasion
![](\"http://www.chiff.com/pics/tax-evasion2.jpg\")
When done on a grand scale, it usually makes for breathtaking reading and scandalous headlines. But the most typical occurrence is when people attempt an unlawful tax avoidance scheme (like charitable contributions or home office deductions) to reduce the amount of taxes they pay ....
Keep up-to-date with the latest from the IRS as well as from local and state IRS tax offices across the country with this handy guide to staying current as current tax time rolls around ....
![](\"http://www.chiff.com/images/tax-audit.gif\")
An audit may result in paying extra tax, penalties or interest — or a complete audit of your present or prior years' returns. Take a tip from professional accountants and IRS tax examiners who offer valuable advice on tax deductions that usually set the red flags flying ....
![](\"http://www.chiff.com/pictures/april-15.gif\")
If you seriously need an extension of time to file this year, the IRS allows you to take up to six months to complete your taxes (that is, if you don't owe anything) without penalties. Find out more about filing a tax extension along with additional tax extension filing advice from top sites on the subject ....
An Accounting Expert 's Top Five Tax Tips
A nationally known expert on taxation, John McGowan says earlier is better when it comes to working on your taxes. Early filers avoid the last minute rush and get their refunds sooner.If you live in the USA, McGowan offers five easy ways to get a good jump on your taxes before the April 15 deadline arrives ....
There are no actual "tricks" to tax filing. However, these basic nuggets of advice & how to's from professional accountants will make filing your own taxes seem like magic. And don't forget to check out more tax advice from top sites on the subject ....
IRS Advice on Home Office Deductions
![](\"http://www.chiff.com/pictures/office.jpg\")
If you work from your home or use part of your rental apartment as a home office for your business, you may be able to deduct the cost as a business expense. Be careful with this deduction, however. If you claim a space that is used for both personal and business purposes, you can get burned ....
An audit may result in paying extra tax, penalties or interest — or a complete audit of your present or prior years' returns. Take a tip from professional accountants and IRS tax examiners who offer valuable advice on tax deductions that usually set the red flags flying ....
![](\"http://www.chiff.com/pictures/hov-lane.jpg\")
Besides the obvious savings in fuel costs, many U.S. states have encouraged carpooling by instituting HOV express lanes on highways, to help cut down on commuting time during rush hour. Throughout the US there are carpooling resources online you can use to find a carpool in your area ....
How to Turn an Auto Repair Hobby Into a Career
![](\"http://www.chiff.com/pics/car.jpg\")
For car enthusiasts who spend hours playing around under the hood of their car, or who find friends, family, and even perfect strangers picking their brain for advice on do it yourself car repairs, a career in car maintenance and repair might be the perfect way to transition into a profitable career ....
There are no actual "tricks" to tax filing. However, these basic nuggets of advice & how to's from professional accountants will make filing your own taxes seem like magic. And don't forget to check out more tax advice from top sites on the subject ....
Start Your Marriage on Firm Financial Ground
![](\"http://www.chiff.com/pics/just-married.jpg\")
Numerous studies have found that newly married couples aren't spending enough time planning their financial futures. Here's a list of the five most important things you should do as soon as possible after saying "I do" to protect your financial future ....
![](\"http://www.chiff.com/pics/car-repairs.gif\")
Change your oil, fix a flat, and learn more do-it-yourself car repair tips with our guide to keeping your car up to speed. Find tool tips, safety guides, related diagrams and - by the way - you do carry your car owner's manual in your car don't you? ....
Besides the obvious savings in fuel costs, many U.S. states have encouraged carpooling by instituting HOV express lanes on highways, to help cut down on commuting time during rush hour. Throughout the US there are carpooling resources online you can use to find a carpool in your area ....
Things to Know Before You Move
![](\"http://www.chiff.com/pictures/texas.gif\")
What does it cost to live there compared to the cost of living in your area? What are the schools, churches, cultural events and other area institutions like? Is the weather the same? There are so many things you need to know before deciding on where to move – and that's just step one! ....
Before You Move... Get Moving Online!
![](\"http://www.chiff.com/graphics2/distance-learning.gif\")
Online, you can read expert guides and visitor reviews, take advantage of interactive tools & calculators, and get help with practically everything else you need — from U.S. change-of-address forms to cyber greeting cards that announce your move to the world ....
Start Your Marriage on Firm Financial Ground
Numerous studies have found that newly married couples aren't spending enough time planning their financial futures. Here's a list of the five most important things you should do as soon as possible after saying "I do" to protect your financial future ....
![](\"http://www.chiff.com/pictures/traffic-cop.jpg\")
First, there's the sudden wail of a siren and red flashing lights just behind you. Then ... there's a traffic cop on your tail, the nightmare scenario of any motorist anywhere in the world. The first rule of thumb (and easy to advise when you're not in the situation yourself) is - DON'T PANIC ....
![](\"http://www.chiff.com/pics/comparison-shopping2.jpg\")
Why do we love the Net? Comparison shopping sites — where you can see many stores prices in one place, compare prices, shipping charges, check out what other shoppers have to say about the customer service and reliability ....
Things to Know Before You Move
What does it cost to live there compared to the cost of living in your area? What are the schools, churches, cultural events and other area institutions like? Is the weather the same? There are so many things you need to know before deciding on where to move – and that's just step one! ....
![](\"http://www.chiff.com/pics/budget-meals21.jpg\")
Living on a tight budget has never been easy, except for people who have never tried it — but you can do it!So pick a time when everyone is home, gather your family, your store sales flyers and give out the pens and paper. It's time for some family budget menu planning ....
US Senior Travel Discounts
![](\"http://www.chiff.com/graphics/senior-travel-2.jpg\")
Now more than ever, major tourist destinations, hotels and airlines are realizing the economic power of the over-55 crowd and are making a special point of offering bargain travel discounts to lure the senior adventurer....
First, there's the sudden wail of a siren and red flashing lights just behind you. Then ... there's a traffic cop on your tail, the nightmare scenario of any motorist anywhere in the world. The first rule of thumb (and easy to advise when you're not in the situation yourself) is - DON'T PANIC ....
What You Need to Know Before You Buy a Boat
![](\"http://www.chiff.com/graphics2/boat-buying.jpg\")
Boaters have different priorities when choosing a new boat. They look at the size, determine how much they can spend and decide which boat is the best for their lifestyle. They also need to consider safety ....
Keep Your Tires Inflated to Save on Gas - And Your Tires
![](\"http://www.chiff.com/pics/tires22.jpg\")
There are lots of reasons to keep your tire properly inflated, especially during travel season. Tire inflation affects not only safety, but handling and performance as well. In addition, low inflation leads to reduced tire miles, reduced retreadability and poor fuel economy ....
Living on a tight budget has never been easy, except for people who have never tried it — but you can do it!So pick a time when everyone is home, gather your family, your store sales flyers and give out the pens and paper. It's time for some family budget menu planning ....
Tips to Know Before You Buy or Shop for Pearls
![](\"http://www.chiff.com/pics/pearls21.jpg\")
The birthstone for June, the third and thirtieth wedding anniversary gem, the symbol of a happy marriage, the emblem of purity, chastity, and modesty. When buying pearls there are a number of things to consider besides just the quality of the pearls, so here are a few tips you should consider ....
10 Best Kids Activities at Disney World
![](\"http://www.chiff.com/pics/disney-kids.jpg\")
Sure, there are amazing rides and entertainment. Still, most families still don't know about the many free or reasonably priced activities that are on offer in their world class family-centered resorts. Here are some of the best ....
What You Need to Know Before You Buy a Boat
Boaters have different priorities when choosing a new boat. They look at the size, determine how much they can spend and decide which boat is the best for their lifestyle. They also need to consider safety ....
Opting for Nearby Hotel Locations Can Help You Save
![](\"http://www.chiff.com/pics/cheap-hotels21.jpg\")
For most travelers the first place to look for a hotel is right in the heart of high priced tourist areas. While location is important, experts advise that if you widen your choices you'll have a more affordable trip. Don't be surprised if you find that cheaper accommodations can also mean a more pleasant vacation ....
![](\"http://www.chiff.com/pics/healthy-meals22.jpg\")
It's always been a struggle to make veggies appealing and keep junk food off the family menu. Now, as money gets tighter and food prices continue to rise, many parents are left wondering how to provide healthy food options while shopping on a budget ....
Tips to Know Before You Buy or Shop for Pearls
The birthstone for June, the third and thirtieth wedding anniversary gem, the symbol of a happy marriage, the emblem of purity, chastity, and modesty. When buying pearls there are a number of things to consider besides just the quality of the pearls, so here are a few tips you should consider ....
![](\"http://www.chiff.com/graphics/pearl-necklace.jpg\")
In order to make the best decision when buying pearls, it is important to know the differences between pearls and why some are more expensive than others. Check out the different types of cultured pearls - Tahitian, Japanese, fresh water and South Sea pearls - and how they are cultured ....
![](\"http://www.chiff.com/pics/frugal-meals21.jpg\")
Food takes a big bite out of everyone's budget. The good news is you're not alone. Save money and time with these basic tips for shopping, creating make-ahead meals and making do with what you've got! ....
Opting for Nearby Hotel Locations Can Help You Save
For most travelers the first place to look for a hotel is right in the heart of high priced tourist areas. While location is important, experts advise that if you widen your choices you'll have a more affordable trip. Don't be surprised if you find that cheaper accommodations can also mean a more pleasant vacation ....
![](\"http://www.chiff.com/pics/budget-travel21.jpg\")
As fuel and travel costs increase, more travelers are discovering the beauty and the benefits of low cost travel hot spots. Here are a few top alternatives from a top travel expert who also offers related tips and advice on saving big on hotels and other accommodations ....
Five Affordable World Travel Destinations
Have you always wanted to take an international vacation but thought you couldn’t afford it? Check out these destinations in the US, Europe, Mexico, South America and more very popular destinations where competition for customers usually drives costs down for everything from lodging to tour packages ....
In order to make the best decision when buying pearls, it is important to know the differences between pearls and why some are more expensive than others. Check out the different types of cultured pearls - Tahitian, Japanese, fresh water and South Sea pearls - and how they are cultured ....
How to Recover from a Bad Credit Rating Report
![\"Secured](\"http://www.chiff.com/pictures/credit-cards2.gif\")
As dire as it may seem when you first find yourself strapped for credit, bouncing back from a bad credit rating may, in fact, be easier than you think. A secured credit card can help you recover from a bad credit report within a year if you know how to apply for one - and use it to your best advantage ....
Ten Tips for Working with Contractors
This is the year you're going all out. You're going to build a deck, add a porch, erect a gazebo or lay a patio. But if it isn't a do-it-yourself project, how can you find the right person to do it for you? Here are ten tips for hiring and working with a local contractor ...
As fuel and travel costs increase, more travelers are discovering the beauty and the benefits of low cost travel hot spots. Here are a few top alternatives from a top travel expert who also offers related tips and advice on saving big on hotels and other accommodations ....
How to Plan a Happy Family Reunion
![](\"http://www.chiff.com/pics/family-reunion22.jpg\")
Vacationing with a large group can be a wonderful experience. Feeling part of a family is especially important for children. But don't kid yourself - a family reunion can be a lot of work! If you're planning a family reunion vacation this summer, here are a few tips to follow ....
Buying A Digital Camera for Your Kids
When you want to buy a digital camera for your little kids, there are lots of things to keep in mind that will help you (hopefully!) to get the right camera for your child. Four factors to keep in mind are colorful and flashy - but still durable - and at the right price ....
How to Recover from a Bad Credit Rating Report
As dire as it may seem when you first find yourself strapped for credit, bouncing back from a bad credit rating may, in fact, be easier than you think. A secured credit card can help you recover from a bad credit report within a year if you know how to apply for one - and use it to your best advantage ....
![\"home](\"http://www.chiff.com/pics/home-security22a.jpg\")
Taking steps to prevent theft can save you from the heartbreak of losing items that are worth more to you than money. Whether it's a family heirloom, or a special item that you bought on your honeymoon, they can't be replaced if they are stolen. These expert tips from will help make your home more burglar-proof ...
Does Life Insurance Still Matter?
![](\"http://www.chiff.com/pics/life-insurance22.jpg\")
It's important to have a plan in place to protect your assets. That's what estate planning is all about. Before making any decisions, it's important to separate fact from fiction regarding estate taxes and their impact on your need for life insurance ....
How to Plan a Happy Family Reunion
Vacationing with a large group can be a wonderful experience. Feeling part of a family is especially important for children. But don't kid yourself - a family reunion can be a lot of work! If you're planning a family reunion vacation this summer, here are a few tips to follow ....
Turn Your Home into a Sanctuary
![](\"http://www.chiff.com/pics/home38.jpg\")
There really is no place like home. When the day's hectic business is done, home should be our retreat, the place where we can decompress, relax and recuperate. Here are five low- or no-cost ways to make your home a relaxing refuge ....
![](\"http://www.chiff.com/pics/pregnant213.jpg\")
In today's economy, millions of women are still working well into their pregnancy. Find out how to plan a happy and healthy pregnancy by learning when to schedule your doctor's visits, whether it's safe to travel, or how to deal with morning sickness ....
Taking steps to prevent theft can save you from the heartbreak of losing items that are worth more to you than money. Whether it's a family heirloom, or a special item that you bought on your honeymoon, they can't be replaced if they are stolen. These expert tips from will help make your home more burglar-proof ....
Health Insurance When You Lose Your Job?
Fortunately, if you find yourself unemployed with no health coverage there are several things you can do to keep getting the services you need. The following five tips may help keep you insured and reduce stress in an already stressful situation ....
Tips & Advice on Moving with Kids
![](\"http://www.chiff.com/pics/moving-kids2.jpg\")
If you think moving is stressful, just add kids to the mix! Get help with tips and advice in our guide to reducing stress, scouting the new neighborhood, safety and budget considerations, and how to get kids involved in the big move so they don't feel left out ....
Turn Your Home into a Sanctuary
There really is no place like home. When the day's hectic business is done, home should be our retreat, the place where we can decompress, relax and recuperate. Here are five low- or no-cost ways to make your home a relaxing refuge ....
![](\"http://www.chiff.com/pictures/gas.jpg\")
Around the Web, check out top online guides with the latest reviews and updates on where you can locate the best price of gas in the U.S.A. and worldwide, along with feature articles offering money saving tips on getting the best bang for your buck at the pump ....
Successful Budgeting for Students
Managing a budget is not as hard as it sounds. Making the initial commitment to live according to your budget is the hardest part. If you have done that, you are well on your way to wise spending and saving ....
Health Insurance When You Lose Your Job?
Fortunately, if you find yourself unemployed with no health coverage there are several things you can do to keep getting the services you need. The following five tips may help keep you insured and reduce stress in an already stressful situation ....
Secrets to Kitchen Remodeling - Tips from the Experts
![](\"http://www.chiff.com/pics/kitchen22.jpg\")
Upgrading your kitchen is a sure-fire way to increase your home's value. You'll love your knew kitchen, and guests will be wowed. But here's the dirty secret of kitchen remodeling: There will be men in your kitchen for a few weeks, sometimes even longer ....
What with the costs of gas, insurance and upkeep, more prospective car buyers are shopping smart. They take the initial cost of buying a car and cut it by more than a third — by buying a used car from a list of top makes best known for their reliability, safety, fuel efficiency and, affordability ....
Around the Web, check out top online guides with the latest reviews and updates on where you can locate the best price of gas in the U.S.A. and worldwide, along with feature articles offering money saving tips on getting the best bang for your buck at the pump ....
Buying School Backpacks - With Safety in Mind
![](\"http://www.chiff.com/pics/backpack78.jpg\")
As kids head back to school, six out of 10 students will suffer health problems related to heavy backpacks. That means more than half of the school aged population is struggling with a load that's too heavy or not sitting correctly on their backs ....
![](\"http://www.chiff.com/graphics/labor-day.gif\")
What's the average salary by occupation? How long do Americans take to commute to work? How many people work at home? Plus more fun facts and trivia about the end of summer holiday first celebrated in the US in 1882 ....
![](\"http://www.chiff.com/images/checklist.gif\")
With the first day of school drawing near, parents and children across the country are getting set for their return. Focused on ensuring parents and kids have everything they need for school, the following checklist will help families get ready for the big day ....
Cost Saving Tips for Homeowners
Costs of home ownership such as mortgage payments, taxes and insurance are unavoidable. However, smart consumers know where to find the best cost-saving options to help lighten the financial load. The following are tips to help homeowners get the best for their home - for less ....
HMO, PPO, POS? The state of health care insurance and the US economy has resulted in more families purchasing health insurance coverage on their own, leaving many confused over what coverage to get. Take charge of your health and those you love with 10 tips on how to choose the most affordable plan that works for you ....
Buying School Backpacks - With Safety in Mind
As kids head back to school, six out of 10 students will suffer health problems related to heavy backpacks. That means more than half of the school aged population is struggling with a load that's too heavy or not sitting correctly on their backs ....
Advice for the Graduate - Think Twice Before You Swipe
A wake up call for students with their first credit or ATM card: hey! that's real world cash money you're spending. For the recent graduate, going into debt is a clear and present danger. Out of school with their first real "grown-up" job and paycheck, new graduates are at high risk for overspending ....
Making Sure Payments Get Credited On Time
Check out expert tips and advice to make sure your payments are always on time to avoid late payment fees. With credit scores becoming the test for jobs, mortgages and most other financial arrangements, having late payments counted against you is not a good thing ....
Cost Saving Tips for Homeowners
Costs of home ownership such as mortgage payments, taxes and insurance are unavoidable. However, smart consumers know where to find the best cost-saving options to help lighten the financial load. The following are tips to help homeowners get the best for their home - for less ....
Health Insurance When You Lose Your Job?
Fortunately, if you find yourself unemployed with no health coverage there are several things you can do to keep getting the services you need. The following five tips may help keep you insured and reduce stress in an already stressful situation ....
Keep Your Tires Inflated to Save on Gas - And Your Tires
There are lots of reasons to keep your tire properly inflated, especially during travel season. Tire inflation affects not only safety, but handling and performance as well. In addition, low inflation leads to reduced tire miles, reduced retreadability and poor fuel economy ....
Advice for the Graduate - Think Twice Before You Swipe
A wake up call for students with their first credit or ATM card: hey! that's real world cash money you're spending. For the recent graduate, going into debt is a clear and present danger. Out of school with their first real "grown-up" job and paycheck, new graduates are at high risk for overspending ....
Make Your Newlywed Dream Home Real
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When considering your living accommodation after you're married, there's nothing quite like owning your own home together. It's not yours or mine; it's ours, and maybe a place to start a family .....
Your Equity: Getting the Best Loan Possible
Whether you have excellent credit or not-so good credit, you want the best possible loan you can get. Don't be fooled by loan offers you see on television or receive in the mail. They don't tell the full story. Be a smart borrower by following these steps to getting the best loan possible ....
Health Insurance When You Lose Your Job?
Fortunately, if you find yourself unemployed with no health coverage there are several things you can do to keep getting the services you need. The following five tips may help keep you insured and reduce stress in an already stressful situation ....
Home Remodeling: How Much Is Too Much?
When should you decide to stop sinking money into a home and buy a bigger place? And how much rehab is too much when it comes time to recovering remodeling costs through a home sale? Just remember when remodeling, LESS is more ....
Top Ten Sites with Tips & Advice for Investors
Whether your goal for investing is to provide a good base for the business you plan to start, the house you plan to buy, the baby you plan to put through college or the dreams for your retirement, you want to find the best way to make your money grow ....
Make Your Newlywed Dream Home Real
When considering your living accommodation after you're married, there's nothing quite like owning your own home together. It's not yours or mine; it's ours, and maybe a place to start a family .....
Money Savers: Buying Halloween Costumes Online
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Browse our guide to top online stores — offering cheap and affordable Halloween costumes, makeup, accessories, and party supplies. ALL come highly recommended for good selection and great customer service to help keep you from going all hairy this Halloween ....
It's always been a struggle to make veggies appealing and keep junk food off the family menu. Now, as money gets tighter and food prices continue to rise, many parents are left wondering how to provide healthy food options while shopping on a budget ....
Home Remodeling: How Much Is Too Much?
When should you decide to stop sinking money into a home and buy a bigger place? And how much rehab is too much when it comes time to recovering remodeling costs through a home sale? Just remember when remodeling, LESS is more ....
Family Medical Leave - Your Rights as an Employee
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The current law provides for time away from work for personal family reasons such as maternity, adoption, sick leave and death in the family. Learn more about the rules governed by both federal and state governments with online FAQ's, factsheets and concise explanations of the Family Medical Leave Act ....
Happy Halloween! The Creepiest Travel Destinations
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If you are one of the millions who are interested in the supernatural and real apparitions, Halloween is no substitute for the real thing. Where are the places that let you experience ghostly apparitions all year long? Check out these sites offering the spooky details ....
Money Savers: Buying Halloween Costumes Online
Browse our guide to top online stores — offering cheap and affordable Halloween costumes, makeup, accessories, and party supplies. ALL come highly recommended for good selection and great customer service to help keep you from going all hairy this Halloween ....
Secrets to Kitchen Remodeling - Tips from the Experts
Upgrading your kitchen is a sure-fire way to increase your home's value. You'll love your knew kitchen, and guests will be wowed. But here's the dirty secret of kitchen remodeling: There will be men in your kitchen for a few weeks, sometimes even longer ....
It's probably the most frightening issue facing consumers today. Check out how you can protect yourself against identity theft with a few common sense suggestions and links to further resources. While it probably can't be prevented entirely, there are a few identity theft safeguards that have proven effective ....
Family Medical Leave - Your Rights as an Employee
The current law provides for time away from work for personal family reasons such as maternity, adoption, sick leave and death in the family. Learn more about the rules governed by both federal and state governments with online FAQ's, factsheets and concise explanations of the Family Medical Leave Act ....
Around the Web, check out top online guides with the latest reviews and updates on where you can locate the best price of gas in the U.S.A. and worldwide, along with feature articles offering money saving tips on getting the best bang for your buck at the pump ....
7 Tips to Buying a Quality Car Online
Half of us use the Internet to help buy a car. The reasons are obvious -- we can research and compare inventory and pricing all from the comfort of our homes. However, to protect your purchases and hard-earned money, you should take the same common sense approach just as with classified ads ....
Secrets to Kitchen Remodeling - Tips from the Experts
Upgrading your kitchen is a sure-fire way to increase your home's value. You'll love your knew kitchen, and guests will be wowed. But here's the dirty secret of kitchen remodeling: There will be men in your kitchen for a few weeks, sometimes even longer ....
Consumers Gobble Up Organic Turkeys
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In response to growing concerns regarding antibiotics in poultry, Americans are consuming organic turkeys in record numbers. Organic birds are raised without antibiotics, are fed 100 percent organic feed, and packaged without artificial flavors or colors ....
Five Affordable World Travel Destinations
Have you always wanted to take an international vacation but thought you couldn’t afford it? Check out these destinations in the US, Europe, Mexico, South America and more very popular destinations where competition for customers usually drives costs down for everything from lodging to tour packages ....
Around the Web, check out top online guides with the latest reviews and updates on where you can locate the best price of gas in the U.S.A. and worldwide, along with feature articles offering money saving tips on getting the best bang for your buck at the pump ....
Insurance Checklist Makes Filing a Claim Easier
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If you had to make a claim on your home insurance, would you have the information you need at your fingertips, or would you be asking yourself “how much did I pay for that sound system?” Making up a price list of your possessions NOW will be invaluable if you should ever need to file a claim ....
In today's economy, millions of women are still working well into their pregnancy. Find out how to plan a happy and healthy pregnancy by learning when to schedule your doctor's visits, whether it's safe to travel, or how to deal with morning sickness ....
Consumers Gobble Up Organic Turkeys
In response to growing concerns regarding antibiotics in poultry, Americans are consuming organic turkeys in record numbers. Organic birds are raised without antibiotics, are fed 100 percent organic feed, and packaged without artificial flavors or colors ....
In order to make the best decision when buying pearls, it is important to know the differences between pearls and why some are more expensive than others. Check out the different types of cultured pearls - Tahitian, Japanese, fresh water and South Sea pearls - and how they are cultured ....
![](\"http://www.chiff.com/pics/thanksgiving-turkey.jpg\")
For cash-strapped families who want to keep costs down on this year's Thanksgiving celebration, there is a cornucopia of ways to plan and organize a fun-filled feast without breaking the bank. Just follow these money-saving and time-saving ideas for a cheap, cheap Thanksgiving ....
Insurance Checklist Makes Filing a Claim Easier
If you had to make a claim on your home insurance, would you have the information you need at your fingertips, or would you be asking yourself “how much did I pay for that sound system?” Making up a price list of your possessions NOW will be invaluable if you should ever need to file a claim ....
In order to make the best decision when buying pearls, it is important to know the differences between pearls and why some are more expensive than others. Check out the different types of cultured pearls - Tahitian, Japanese, fresh water and South Sea pearls - and how they are cultured ....
For cash-strapped families who want to keep costs down on this year's Thanksgiving celebration, there is a cornucopia of ways to plan and organize a fun-filled feast without breaking the bank. Just follow these money-saving and time-saving ideas for a cheap, cheap Thanksgiving ....
Insurance Checklist Makes Filing a Claim Easier
If you had to make a claim on your home insurance, would you have the information you need at your fingertips, or would you be asking yourself “how much did I pay for that sound system?” Making up a price list of your possessions NOW will be invaluable if you should ever need to file a claim ....
Gift Ideas for the Health Conscious
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Besides a bottle of multivitamins, or a pair of barbells — what else do you get the health-conscious as holiday gifts ? Here are a few great ideas to show you care, with gifts that will sure to be appreciated ....
For cash-strapped families who want to keep costs down on this year's Thanksgiving celebration, there is a cornucopia of ways to plan and organize a fun-filled feast without breaking the bank. Just follow these money-saving and time-saving ideas for a cheap, cheap Thanksgiving ....
In order to make the best decision when buying pearls, it is important to know the differences between pearls and why some are more expensive than others. Check out the different types of cultured pearls - Tahitian, Japanese, fresh water and South Sea pearls - and how they are cultured ....
Tips to Know Before You Shop for Jewelry
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Are you planning a gift of jewelry? Whether it's for yourself or for someone you love, build in time to get a good background on the subject. Learning more about jewelry is a fascinating subject even if you're not in the market right now ....
Tips & Advice for a Happy Holiday Road Trip
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If you have a big family, you know that it's count-down time for preparing the Christmas travel itinerary. The kids are excited, and looking forward to seeing all their cousins and relatives, but to ensure everybody arrives safely here are a few tips to help make holiday travel fun and memorable ....
Gift Ideas for the Health Conscious
Besides a bottle of multivitamins, or a pair of barbells — what else do you get the health-conscious as holiday gifts ? Here are a few great ideas to show you care, with gifts that will sure to be appreciated ....
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Tread carefully when buying a treadmill! Treadmills are expensive, and they're complex. A bad buying decision could leave you with one more inactive exercise hulk that will likely serve as another clothes hanger in a corner of your basement ....
How to Plan a Happy Family Reunion
Vacationing with a large group can be a wonderful experience. Feeling part of a family is especially important for children. But don't kid yourself - a family reunion can be a lot of work! If you're planning a family reunion vacation this summer, here are a few tips to follow ....
Tips to Know Before You Shop for Jewelry
Are you planning a gift of jewelry? Whether it's for yourself or for someone you love, build in time to get a good background on the subject. Learning more about jewelry is a fascinating subject even if you're not in the market right now ....
HMO, PPO, POS? The state of health care insurance and the US economy has resulted in more families purchasing health insurance coverage on their own, leaving many confused over what coverage to get. Take charge of your health and those you love with 10 tips on how to choose the most affordable plan that works for you ....
Diamond Engagement Ring Buying Guide
There are so many choices when it comes to shopping for engagement rings. Let's go through some of the available options and identify the pros and cons. This should help you both figure out what the best options are when you start shopping for your engagement ring ....
Tread carefully when buying a treadmill! Treadmills are expensive, and they're complex. A bad buying decision could leave you with one more inactive exercise hulk that will likely serve as another clothes hanger in a corner of your basement ....
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With the holiday shopping season heating up, more people are using their computers to finish up their gift buying this year. Whether you are shopping online or at the mall, there are some easy ways to protect yourself and make sure that the holidays are merry ....
Buying A Digital Camera for Your Kids
When you want to buy a digital camera for your little kids, there are lots of things to keep in mind that will help you (hopefully!) to get the right camera for your child. Four factors to keep in mind are colorful and flashy - but still durable - and at the right price ....
HMO, PPO, POS? The state of health care insurance and the US economy has resulted in more families purchasing health insurance coverage on their own, leaving many confused over what coverage to get. Take charge of your health and those you love with 10 tips on how to choose the most affordable plan that works for you ....
I'm Dreaming of a Cheap Christmas ...
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Check out how to have a cheap and affordable Christmas for already overstretched budgets, including some of the best time-tested tips and ideas for saving big on gift giving, family get-togethers, or holiday entertaining ....
Tips to Know Before You Buy or Shop for Pearls
The birthstone for June, the third and thirtieth wedding anniversary gem, the symbol of a happy marriage, the emblem of purity, chastity, and modesty. When buying pearls there are a number of things to consider besides just the quality of the pearls, so here are a few tips you should consider ....
With the holiday shopping season heating up, more people are using their computers to finish up their gift buying this year. Whether you are shopping online or at the mall, there are some easy ways to protect yourself and make sure that the holidays are merry ....
Turn Your Home into a Sanctuary
There really is no place like home. When the day's hectic business is done, home should be our retreat, the place where we can decompress, relax and recuperate. Here are five low- or no-cost ways to make your home a relaxing refuge ....
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Sounds, sights, smells, tastes and the way toys feel are just the discoveries that feed your little one's eager senses and help developing brains to make all the right connections. Find out how to choose the best toys for your baby's rapid development ....
I'm Dreaming of a Cheap Christmas ...
Check out how to have a cheap and affordable Christmas for already overstretched budgets, including some of the best time-tested tips and ideas for saving big on gift giving, family get-togethers, or holiday entertaining ....