OSCPA Dollars and Sense Articles

Take Steps Now to Save Money on Vacation

2/8/2012 8:12:11 AM

The calendar says it's still winter, but many of us are dreaming of spring break or summer excursions. There are ways to save while having an adventure and creating memories. Here are some ideas to make travel planning easier and spending your hard-earned dollars right where you want them.

What is the Kiddie Tax?

1/31/2012 3:12:29 PM

We all know that everyone has to file a tax return and pay their taxes due, but does that apply to children, too? Many people may have heard of what is often referred to as the "kiddie tax." Learn what it may mean for your own family's tax planning.

Tax and Other Financial Considerations after a Natural Disaster

1/24/2012 4:46:48 PM

2011 was a tough year in Oklahoma for natural disasters, with tornadoes, wildfires, even earthquakes. If you were affected by a natural disaster this year, you should be aware of Internal Revenue Service rules on casualty losses, as well as other financial considerations.

Tax Tips for Those Serving in the Military

1/18/2012 11:35:19 AM

Are you or a loved one serving in the military? If so, you may not be aware there are many tax laws generally designed to make it easier to meet your tax obligations while serving your country. Find out some of the key tax regulations affecting those in the armed forces.

Banks vs. Credit Unions � Which is Better for You?

1/10/2012 2:44:34 PM

You may not give the financial institution where your money is stashed much thought, but banks and credit unions offer different benefits, so it's wise to consider what you need. And, you might be better off making a change.

Five Mistakes People Make in Choosing a Tax Preparer

1/3/2012 3:56:13 PM

Did you know that you are legally responsible for everything on your tax return, even if another person prepared it for you? Find out what common mistakes people make in choosing a tax preparer and learn some helpful solutions.

Creating Financial Resolutions for the New Year

12/27/2011 3:12:58 PM

The New Year has arrived and now is the perfect time to make some financial resolutions to help you ring in 2012 with confidence.

Smart Holiday Gifts for Kids

12/27/2011 3:09:56 PM

Gifts that teach the importance of sound money management and investing can provide valuable lessons that will serve your children or grandchildren for years to come.

Essential Questions to Ask Your Favorite Charity

12/13/2011 1:46:38 PM

It's very gratifying to make donations to a worthy charity, but you want to know your money is being used wisely. Learn what questions you should ask before you give.

Make Money Last During Retirement

12/6/2011 1:54:21 PM

Careful budgeting and planning probably helped you develop your retirement nest egg. Continued budgeting and planning can help you enjoy your retirement just like you planned.

10 Tips for Safe Online Holiday Shopping

11/29/2011 3:42:51 PM

The holiday season is in full swing and shoppers across the nation are making online purchases in record numbers. These hints can keep an online Grinch from ruining your holiday cheer (and the rest of the year, too).

Four Ways to Save on Black Friday

11/22/2011 8:25:27 AM

Though many stores are shifting toward actually opening on Thursday, Black Friday is finally upon us! Here are some ways you can save some money on this busy holiday.

Six Tips for Saving Money this Thanksgiving

11/15/2011 12:46:02 PM

Without careful planning, the holidays season can be expensive and stressful.Here are a few tips for saving some money this Thanksgiving.

Plan for Your 2011 Tax Return Now

11/9/2011 11:00:30 AM

It's more likely that you're thinking of turkey rather than taxes at this point in the year, but you can make some decisions now that could keep some of your hard-earned money in your pocket when April 2012 rolls around.

Five Ways to Teach Kids Important Lessons About Money

10/25/2011 6:18:08 PM

Are you happy with your child's understanding of money? Parents want to ensure their children learn positive values when it comes to money, but they are not always sure how to instill them.

Don't Let Halloween Play Tricks on Your Budget

10/18/2011 3:20:42 PM

This Halloween, Americans plan to spend an average of $72.31 per person on costumes, candy and decorations. Before spooky splurges leave cobwebs in your wallet, use these tips to slash your spending without sacrificing fun.

Take Steps Now to Save Money this Winter

10/11/2011 11:08:33 AM

Leaves are falling and soon the mercury will, too. Know how to save on heating costs before a cold front hits.

What College Students Need to Know About Credit Cards

10/11/2011 11:03:33 AM

The Credit CARD Act placed limits on the ability of those under 21 to get credit cards. It also set strict limits on card companies' ability to market to college students. However, whether they get credit cards now or later, young adults should learn good credit habits early. Get started with these tips.

Six Tips for Saving Money on the First Year of College

9/27/2011 3:11:51 PM

Everyone knows that college tuition and fees are high-cost items, but what about the many other expenses associated with higher education? Parents of freshmen are often very surprised by the price of books, travel, dorm accessories and other college necessities.

Five Smart Questions to Ask When Starting a Business

9/20/2011 3:53:01 PM

Every year, entrepreneurs launch roughly 600,000 new small businesses in America, according to the U.S. Small Business Administration. For those who dream of running their own shop, the OSCPA recommends asking these questions to be sure you get off on the right foot.

Retirement Planning Options for the Self-Employed

9/13/2011 3:33:13 PM

More than 9 million self-employed people are not covered by a retirement plan, according to the U.S. Small Business Administration. Many of these people are business owners who may be hoping to retire on the profit they will make from selling their companies down the road, but they could be in for a disappointment if their plans do not pan out as expected.

Financial Fraud Targets Elderly

9/8/2011 7:32:59 AM

Financial fraud affecting the nation's elderly population isn't merely a story you see on the evening news. It's a growing problem and could easily happen to you or someone you know.

How to Prepare and Recover When Mother Nature Wreaks Havoc

8/30/2011 4:11:41 PM

It has been a year of epic natural disasters, and Hurricane Irene serves as a reminder to ask yourself, are you prepared should a sudden disaster strike?

Prepare for the Holidays Now

8/23/2011 3:39:22 PM

The temperature outside may not make you think of winter holidays, but 2011 has flown by and we are three months away from the holiday season.

How the Tax Laws Can Help Lower Education Costs

8/16/2011 3:42:50 PM

It's no secret that sticker shock sets in quickly when you're looking at education expenses. The price for yearly tuition alone can range from nearly $8,000 at public four-year colleges for in-state students to an eye-popping $35,000 or more at private four-year institutions, according to the College Board. And those amounts don't include the cost of room and board as well as other expenses. The good news is that the tax laws offer a number of opportunities to minimize your out-of-pocket education costs, if you know how to make the most of them.

How's Your Financial Health?

8/9/2011 3:44:21 PM

In the midst of busy schedules, many people forget to step back and take stock of their financial situations, which can be a costly mistake.

Go Back-to-School without Going Broke

8/2/2011 3:33:42 PM

It's time to plan the back-to-school shopping budget. With children wanting the latest trendy clothing, and families trying to continuously clothe their growth spurts, the price tag can really add up.

Choose an Eldercare Facility Carefully

7/25/2011 3:15:38 PM

According to U.S. Census Bureau statistics, one in five Americans will be older than 65 by the year 2050. As these people grow older, many will choose to continue living on their own or may decide to move in with family. However, some will prefer to reside with people closer to their own age or will, by necessity, need to live in a facility that can cater to their changing medical needs.

Smart Financial Steps for Unmarried Couples

7/20/2011 9:29:25 AM

U.S. Census department figures show a recent increase in unmarried couples living together, possibly due in part to job loss or other consequences of an uncertain economy.

Five Questions to Ask During a Financial Tune Up

7/12/2011 3:24:04 PM

Everyone knows that it's important to get your oil changed regularly and to keep your tires properly inflated, but have you thought about performing the same kinds of maintenance on your finances?

Understand Mutual Fund Expenses

7/6/2011 3:26:43 PM

About 44 percent of U.S. households - or roughly 90 million investors - have a mutual fund investment, yet many do not understand fees associated with those investments.

Summer Child Care Could House Tax Deductions

7/6/2011 3:25:49 PM

During summer, many working parents may incur additional expense with regards to child care, especially for certain school-age children out for the summer break. Learn how you might be able to lessen the sting of summer child care.

Four Steps for Paying Down Your Debt Once and for All

6/21/2011 3:57:53 PM

According to the National Foundation for Credit Counseling, the top financial new year's resolution for consumers in 2011 is cutting back on debt. Now that the year is more than halfway over, how many people have kept that pledge?

Social Security made $8 Billion in Improper Payments in 2009

6/21/2011 12:26:33 PM

The administration forked over $6.5 billion in over-payments while underpaying some to the tune of $1.5 billion, an investigator told Congress.

Keep Wedding Bells Ringing and Plan Now for Newlywed Taxes

6/14/2011 3:04:54 PM

Getting married brings joy - and a few unexpected challenges. One such test is filing a tax return. Preparing before tax season will help couples transition to filing as husband and wife smoothly.

Mortgage Closing Costs: What You Need to Know

6/8/2011 2:29:03 PM

Closing on a home often involves signing on the dotted line on a tall stack of paperwork, much of which is confusing and difficult to understand. It's no wonder that many people are surprised by some of the charges that make up mortgage closing costs.

Take the Worry Out of Future Finances

6/8/2011 2:27:26 PM

More than a quarter of U.S. workers say they're "not at all confident" about their ability to afford a comfortable retirement. That statistic has reached its highest percentage in two decades, according to an Employee Benefit Research Institute report.

Tornado Season Arrives -- Be Prepared

5/24/2011 2:44:04 PM

Do you have a plan for you or your family if a crisis occurs? Imagine not being able to contact your friends or family members. How would you know if everyone was safe? Does your family have a list of basic steps and information to follow?

Use These Tips to Keep Costs from Rising with the Heat

5/17/2011 3:58:43 PM

As the seasons change, the Oklahoma Society of Certified Public Accountants advises that you take a look at your budget and adjust it for any new or changing expenses. Here are a few things to keep in mind for planning your summer budget.

How to Be a Stealth Saver

5/10/2011 3:48:41 PM

Americans save a little more than 5 percent of their personal disposable income, according to the Department of Commerce's Bureau of Economic Analysis. Use these six easy tips to easily boost your savings without really trying.

Financial Considerations for Retirement Relocation

5/3/2011 1:54:09 PM

This year, the first of the nation's 78 million baby boomers will begin turning 65. Once they stop working, many retirees consider pulling up stakes and moving elsewhere.

Your Financial Records: Making Order Out of Chaos

5/3/2011 1:51:10 PM

Are your file cabinets overflowing? Are you awash in a sea of old checks, bank statements and pay stubs? Get organized with a plan that purges the unnecessary and ensures you've saved what you need to keep the IRS happy, should they come calling.

Free Financial Kits Offered Statewide

4/19/2011 2:51:30 PM

Joining in the statewide effort to promote financial education, the Oklahoma Society of Certified Public Accountants is offering free Financial Fitness Kits through public libraries and Tinker Federal Credit Union branches across the state and online.

Frequently Asked Questions about Filing Amendments Answered

4/12/2011 3:32:08 PM

Some taxpayers file their returns on time and later realize they made mistakes. However, you can file an amended return to correct your error.

April is Financial Literacy Month

4/5/2011 3:28:06 PM

Last Friday began Financial Literacy Month, as announced in Thursday's presidential proclamation. President Obama called upon Americans to boost their understanding of their personal finances in April, as the country continues to pull itself up from 2008's financial crisis.

Reader Question of the Month

4/5/2011 3:06:38 PM

A reader asked, "I purchased a home in February 2009 and received the $8,000 Homebuyer Tax Credit. If I sell before the three years is up, do I have to pay back the entire amount, or a prorated amount based upon the two years I have already lived there?"

More Taxpayers Get Tangled in AMT Net

3/22/2011 3:52:24 PM

Even if you don't think you're rich, the government may feel otherwise when it comes to collecting taxes. Find out why more people are getting caught by the alternative minimum tax.

Mitigate the Financial Impact of Disasters

3/15/2011 3:42:27 PM

Spring time in Oklahoma can be beautiful, but it can also be dangerous. The upcoming storm season remind us that disasters -- natural or manmade -- can strike at any time. While your family's health and security are the most important considerations, regaining order in your finances is essential for returning to normal life.

How the Tax Laws Can Help Lower Your Education Costs

3/8/2011 3:08:16 PM

Got kids ready to head to college in the fall? The price for yearly tuition alone can range from nearly $8,000 at public four-year colleges for in-state students to an eye-popping $35,000 or more at private four-year institutions, not including room and board or other expenses. Find out how to take the sting out of a college bill.

Know the Tax Implications of Starting Your Own Business

3/1/2011 2:07:00 PM

Whether it's the result of mass layoffs during the economic crisis or just the ongoing pursuit of a dream, individuals continue to break from convention and take a chance on starting their own businesses. Before you dive in the deep end, brace yourself for the tax shock.

Use Tax Refunds Wisely

2/22/2011 4:35:45 PM

A spring vacation, game console or new TV all sound like fun ways to spend a tax refund, but not the wisest ways. Putting this advice into play could save you tons of cash down the road.

Are You Eligible to Take Advantage of the Homebuyer Credit?

2/15/2011 3:13:36 PM

Before you file your taxes, make sure you know if you're eligible to take this tax credit, especially if you've moved in the last three years. Hint: It's not just for new homeowners anymore.

What You Need to Know About Estate Taxes

2/10/2011 7:45:03 AM

If you are handling the disposition of an estate, you are probably already aware that there was an unexpected reprieve from taxes on the estates of those who died in 2010. But if you're involved in future estate planning for a loved one or yourself, it's important to know that high estate tax rates have come back in force this year and beyond.

Choosing a Tax Professional: What You Need to Know

1/31/2011 4:19:01 PM

Taxes seem to get more complicated every year, and they also seem to take a bigger bite out of your wallet. That's why it's important to get the best advice when you're ready to tackle your annual tax return.

Have No Fear, Tax Help is Here

1/25/2011 2:42:40 PM

While thoughts of tax season can conjure up feelings of anxiety and stress for many people, there is help available.

Workers Get a Withholding Bonus for 2011

1/18/2011 10:49:52 AM

A two percent decrease in Social Security withholding for 2011 will leave all American workers with extra cash. Learn some smart ways to use that extra money.

Five Smart Questions to Ask At Tax Time

1/11/2011 3:28:00 PM

While there's no guarantee that you will receive a refund, there are steps you can take at this time of year that could not only potentially lower your tax bill, but could also enhance your overall financial situation.

How to Select a Professional Tax Preparer

1/4/2011 12:43:30 PM

If you decide to pay someone to help you prepare your tax return, it is important to choose that preparer carefully.

Prepare Your Car for Winter

12/30/2010 3:18:25 PM

Winter weather can take a toll on your vehicle, so being prepared will help you save money in the long run.

Ten Financial Resolutions for the New Year

12/21/2010 2:51:41 PM

Each year on January 1, millions of us make resolutions to change our lives in the coming year. Losing a few pounds and quitting smoking are some of the most common New Year's resolutions. This year, how about making a pledge to improve your finances?

How to Celebrate the Season without Breaking the Bank

12/14/2010 3:44:10 PM

Whether you're short on cash this year or not, the holidays don't have to break the proverbial bank. Sometimes the gifts that are appreciated the most are the ones that are smaller, carry sentimental value or are simply the gift of time.

Five Tips to Lower Home Heating Costs

12/7/2010 2:30:33 PM

Whether home heating expenses surge up or inch down, they always seem to take a significant bite out of the family budget.

Start an Emergency Fund before Winter Weather Hits

11/30/2010 4:06:20 PM

Ice and snow wreaked unexpected havoc on Oklahoma last winter and delivered a timely reminder to create emergency funds. When power goes out and food and shelter must be sought -- and paid for -- elsewhere, will you have enough money to cover unexpected expenses?

Six Smart Ways to Save Money during the Holidays

11/23/2010 3:46:53 PM

The holidays are a joyous -- and potentially expensive -- time of year. In fact, last year, consumers said they to spend an average of $699 on gifts, but they admitted to shelling out an average of $811 instead, according to a Consumer Reports survey.

FSA vs. HSA: Making Sense of the Choices

11/9/2010 4:56:24 PM

Everyone is aware of the high costs of health care. In fact, health care spending accounts for $2.3 trillion per year -- or $7,681 per person -- based on a recent government analysis.

Don't Settle Yourself Short

10/26/2010 3:36:42 PM

The struggling economy over the past few years has left many floundering in credit card debt. Accordingly, companies spring from seemingly nowhere claiming to be able to get you out of debt -- in the blink of an eye. But don't let yourself be fooled. Settling can end up costing you in the long run.

Five Tips for Cutting Commuting Costs

10/19/2010 4:41:40 PM

Commuting can be an expensive proposition. Not only do you have to deal with unpredictable gas prices, there are also tolls, parking and car maintenance to consider.

Financial Reform and Consumers: What to Expect

10/12/2010 4:58:15 PM

In July, President Obama signed into law a new financial regulatory reform bill that will have an impact everywhere from Wall Street to Main Street. While many of the law's provisions will not take effect immediately, consumers should be prepared to see changes in the credit arena and elsewhere now and in the future.

Celebrate National Financial Planning Week -- Control Your Finances

10/5/2010 4:56:18 PM

The week of October 4 is National Financial Planning Week. What are you doing to keep your financial plans in check? One of the biggest financial concerns for consumers is controlling their debt.

Explore Financing Options for Your Small Business

10/4/2010 2:32:17 PM

Where can you turn if you need to borrow money for a growing business? It's often a smart idea to take out a loan to finance an expansion or upgrade, to consolidate debts and lower borrowing costs or for any number of other reasons. However, in a recession, many of the usual sources of cash have dried up.

Don't Let Financial Woes Ruin Adoption Joys

9/28/2010 4:50:45 PM

While adoption is more common for couples, it isn't restricted to couples. A trend among single men and women adopting is on the rise. Typically, it is more difficult financially on these parents to go through with the adoption process.

Staying Fiscally Wise When Renting an Apartment

9/21/2010 4:40:25 PM

Given the current state of the economy and the challenge of being approved for a mortgage, more and more people are choosing to rent their houses, condos and apartments instead of buying. Use these tips to rent wisely.

Save Money with these Top Deductions for Small Businesses

9/7/2010 4:57:00 PM

There are nearly 30 million small businesses in the United States, according to the U.S. Small Business Administration. If you own one of these dynamic companies or are hoping to start one, you are surely aware that running your own show can be an exhilarating and challenging experience. Among the many challenges you face will be figuring out which deductions you qualify for when tax time comes around.

Don't Leave Home without a Contingency Plan

8/31/2010 2:47:36 PM

Start Planning for the Holidays Now

8/24/2010 3:55:51 PM

The temperature outside may not make you think of winter holidays, but 2010 has flown by and we are officially more than half-way to the holiday season. Planning now can save a bundle down the road.

Save on Back to School Supplies

8/17/2010 10:50:19 AM

According to a poll released today by Chase Card Services, 38 percent of parents reported having a budget for back-to-school shopping � and 41 percent of them said their budgets are lower this year than last year. That's not surprising in these tough times, but buying school supplies doesn't have to feel like you sent your budget to detention.

Home Inventory Necessary in Case of Emergency

8/3/2010 9:50:43 AM

Would you be able to list all the contents of your home if you had to? Most people could not, which is why it's a good idea to put together a written home inventory.

Procrastination and Your Finances -- Delays Can Cost Dollars

7/27/2010 3:07:55 PM

There is a natural tendency to procrastinate in doing stressful activities that you don't enjoy. Combined with a busy, hurried lifestyle and competing demands, procrastination can create its own problems, such as stress, guilt, and panic. These feelings may increase as the deadline approaches and tasks remain undone.

Career Tips for College Graduates

7/27/2010 12:05:23 PM

Many college graduates will soon begin their first career jobs. Here are some tips to help them become more financially independent.

Five Ways to Fund Your Child's Athletic Pursuits

7/13/2010 3:49:16 PM

While many parents love seeing their children involved in sports, some may find the bouncing from sport-to-sport every season can put a hole in their wallet. Between registration fees and sport-specific equipment, all the switch-hitting can easily get expensive.

New Credit Card Rules and What They Mean to You

7/6/2010 3:41:58 PM

Did you know that there are new rules governing the fees and penalties that credit card companies can charge you? The provisions in the Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 should save consumers at least $10 billion a year, according to the Pew Foundation.

Tax Deductions Could Make Summer Child Care More Affordable

6/29/2010 3:16:04 PM

Many working parents may incur additionalchild care expenses during summer. Find out if those costs can net you some tax breaks.

Keep Wedding Bell Bliss and Plan Now for Newlywed Taxes

6/22/2010 4:43:38 PM

Getting married brings joy -- and a few unexpected challenges. One such test is filing a tax return. Preparing before tax season will help couples transition to filing as husband and wife smoothly.

Dealing with Parents' Financial Problems

6/16/2010 10:47:00 AM

Many nest eggs have raveled in recent years, which can be particularly difficult on adult children of older parents.

Questions to Ask About Life Settlements

6/8/2010 4:55:20 PM

Do you own a life insurance policy, but need the cash now? If so, there are a number of options available to you, including surrendering the policy to receive the cash value or letting it lapse.

It Pays to Know--And Understand--the Score

6/2/2010 4:24:05 PM

Since an update in the Fair Credit Reporting Act that took effect in 2004 and 2005, all Americans have the right to receive free copies of their credit files annually from credit reporting agencies.

Record Retention for Small Businesses

5/25/2010 4:58:26 PM

As America celebrates National Small Business Week, May 23-29, the Oklahoma Society of Certified Public Accountants reminds small business owners good record retention is not only it is required by law, it is also a key to efficiently running a business.

Money-Saving Gifts for Mom

5/4/2010 5:01:44 PM

In a tight economy, it can be tough to shower your mom with gifts for Mother's Day. However, most moms agree that the best gifts that show the most love are those that come from the heart, rather than the wallet.

Saving Some Green by Going Green

4/20/2010 10:31:20 AM

Earth Day is April 22 and it seems everyone is going green. Learn which environmentally friendly moves can put some cash back in your wallet.

Tax Issues to Consider When You're Unemployed

4/6/2010 4:43:07 PM

Many Americans have experienced tough times in the last year or so, including the loss of a job.

Does Your Small Business Have a NOL?

3/30/2010 4:57:14 PM

In the current economy, it's safe to say that many small businesses might have chalked up a net operating loss (NOL) during the last year or two. Find out how a NOL can reduce your business taxes.

Tax Relief for Ponzi Scheme Losses

3/23/2010 4:38:16 PM

The name Bernie Madoff will forever be associated with investment fraud. Unfortunately, however, Madoff is not the only bad apple involved in handling the money of trusting investors. With the softening in the stock market, fraudulent investment schemes across the country have come tumbling down like card houses.

Get Money for Higher Learning

3/16/2010 4:54:18 PM

A college education remains a big-ticket item. In fact, the average annual tuition at a private four-year college is now $26,273, up 4.4 percent from last year, while annual tuition at public four-year colleges jumped 6.5 percent to $7,020. That's why it's important to take advantage of any chances to lower the impact on your wallet, including tax credits that apply especially to education expenses.

Should You Convert to a Roth IRA?

3/9/2010 5:06:58 PM

Converting a traditional IRA to a Roth IRA can offer greater flexibility in retirement. And, beginning this year, more taxpayers are eligible to make this conversion. However, there are both potential benefits and drawbacks to this step.

Understand the ABCs of AMT

3/2/2010 4:35:23 PM

Are you aware of all the tax laws that affect you? Many people are often surprised to find themselves subject to the AMT, which is short for the alternative minimum tax. Although this tax was originally intended for a narrow group of taxpayers, it is now estimated to have an impact on millions of people.

What the COBRA Subsidy Extension Means To You

2/23/2010 5:02:59 PM

Those who have been laid off in the troubled economic climate clearly face many challenges, such as paying their bills and finding new employment. If you are out of work, maintaining your health insurance may be a little easier, however, because of a new law signed late last year.

Getting Organized at Tax Time

2/16/2010 5:14:50 PM

During the last month, you've probably received a flurry of important tax-related documents in the mail. They serve as a reminder that the deadline for submitting your tax return is looming ahead on April 15. Do you have everything you need?

What Makes a CPA Different?

2/16/2010 4:27:25 PM

After April 15, will your tax preparer be around to help with all your financial planning decisions? Find out why letting a CPA handle your family's money is the best peace-of-mind option.

Questions to Ask Your CPA at Tax Time

2/9/2010 5:08:52 PM

Tackling your tax return can be a challenging task. That's why it's a good idea to arrive at your tax return preparation appointment ready with questions that will help clarify the issues that concern you most.

The Tax Advantages of Home Ownership

2/2/2010 5:02:33 PM

If you don't own your own home yet, there are some significant tax advantages that can make the prospect more affordable.

Avoiding Overdraft and Bounced Check Fees

1/26/2010 3:08:15 PM

Have you ever been hit by a hefty charge for accidentally withdrawing more money than is in your checking account?

To Borrow or Not to Borrow?

1/19/2010 5:07:30 PM

People use debt to finance any number of purchases, and borrowing money for a worthwhile purchase is not always a bad idea.

Safe Online Banking

1/12/2010 4:49:34 PM

Many people enjoy the convenience of doing all their banking over the Internet, but some consumers worry about the safety of their online transactions.

Four Financial New Year's Resolutions to Keep This Year

1/5/2010 2:02:55 PM

As you make your list of resolutions, don't forget to consider wise financial goals for the year ahead.

Avoid Debt Management Mistakes

12/30/2009 8:25:50 AM

Trying to trim the financial fat in 2010? Follow these tips to stick to your debt diet.

Five Questions to Ask When You Join a Gym

12/21/2009 4:53:01 PM

As the new year draws near, many people resolve to lose weight or get into better physical shape. But if you're not careful in choosing a fitness facility, you could lose more money than weight.

Don't Get Scammed When Making Travel Plans

12/15/2009 4:43:24 PM

Many people take vacations or visit family this time of year. That's the good news. The bad news is that there are a number of scams that unsuspecting travelers can fall victim to if they are not careful.

Smart Holiday Shopping Tips

12/8/2009 5:57:30 PM

The holidays are an exciting time, but they can also be an expensive one. Many people have tightened their belts this year because of the troubled economy, but that doesn't mean you have to miss the joy of giving presents to loved ones or indulging in fun celebrations.

Five Costs You Should Not Cut

12/1/2009 3:55:40 PM

Cutting back on unnecessary outlays is always a good idea, but make sure you don't chop out important budget items in the process.

A Recession Bright Spot? Paying Less for Big Ticket Items

11/23/2009 4:58:44 PM

Even in a tough economy, there are some bright spots. For example, many expensive purchases have gotten a lot less costly because of industry problems, a steep decline in consumer spending or both.

Questions to Ask Before You Donate

11/17/2009 5:09:03 PM

Even in a bad economy, people still reach deep into their pockets to help out those who are less fortunate, especially as the holidays draw near. However, in good times or bad, it's important to know that the money you are giving to a charity is truly being put to good use.

Home Ownership: Are You Ready?

11/10/2009 4:48:13 PM

The purchase of a first home can be an exciting, but stressful time in someone's life. It's also a large financial undertaking, a fact that leaves many people wondering whether they're prepared for this big step.

Tips on Working Into Retirement

11/2/2009 4:17:54 PM

Retirement once meant quitting work forever at age 65. Today, that description no longer applies to many of the millions of Americans who are at or near traditional retirement age.

Getting a Better Price on a New Car

10/28/2009 3:37:52 PM

In recent months, the news has been full of stories about struggling auto makers and declining car sales. While that's bad news for the economy, it can be good news for consumers looking to make an auto purchase because car dealers are anxious for your business.

Avoid Magazine Subscription Scams

10/28/2009 3:36:17 PM

If something sounds too good to be true, it almost certainly is. That's the case with many offers for magazine subscriptions that you may receive over the phone or from someone selling door to door.

Recession Shouldn't be an Excuse for Low Financial Aid Offers

10/13/2009 5:17:09 PM

College costs are an enormous expense for any family, and the price tag seems to increase every year. Learn how to ensure full financial consideration from your college.

Don't let Your 529 Savings Slip Away in an Uncertain Market

10/7/2009 4:22:44 PM

Many families were surprised to find they had lost money in their college funds with recent stock market declines. Find out what you can do to protect your higher-ed investments.

Managing Staff Issues in Troubled Economy

9/30/2009 7:24:36 AM

Managing a staff through a recession can be a tough challenge. Whether it's keeping anxious employees focused on work or making hard decisions about layoffs, company owners often find themselves wondering what the best steps may be.

Avoid Costly Mistakes When Running a Family-Owned Business

9/22/2009 6:23:40 PM

If you work in a company run by your family or plan to start one, then you're not alone. It is estimated that up to 90 percent of all businesses in the U.S. are family owned. They range in size from the corner store to large corporations. These dynamic businesses are a great opportunity for relatives to work together, but they also come with some special challenges.

Cutting Health Care Costs for Small Businesses

9/16/2009 1:42:14 PM

According to a study by the National Small Business Association, more than one-forth of businesses surveyed said their health care insurance rates had jumped more than 20 percent in the past year. Learn how to save money on your employee's healthcare without cutting back on their benefits.

Starting a Business in Uncertain Times

9/10/2009 8:20:35 AM

People who get laid off often entertain the idea of going into business for themselves. But is a recession the best time to start a new company? Find out the fundamentals for business survival.

Five Easy Cost-Cutting Tips

9/1/2009 12:18:11 PM

With everyone feeling the pinch of economic uncertainty, many are searching for ways to cut back on spending. Use these tips to help save your family's green.

Tips for Lowering Mortgage Payments

8/25/2009 4:49:38 PM

As a result of the economy, many people are struggling to pay their home loan bills. If you are one of them, don't despair. There are many options that can help make it easier to keep up with monthly mortgage payments.

Don't Let a Loan Ruin Your Relationship

8/18/2009 4:02:06 PM

Now that banks have tightened their lending standards, it is more difficult�� even for those with strong credit histories �� to borrow money. Many people are turning to friends and family to borrow funds. Be sure to take some smart steps to prevent a loan from damaging your good relationship.

Smart Tips for Holding On To Your Job in a Recession

8/11/2009 8:37:04 AM

Recently the news has been filled with reports of layoffs and job cuts. If you're concerned about job security, there are some steps you can take to recession-proof your career.

Getting a Job in Tough Times

8/5/2009 8:15:38 AM

If you are among the thousands of people seeking work, use these tips to improve prospects and ensure employers see you as the best person for the job.

Five Tips for Shopping At Liquidation Sales

7/23/2009 4:14:25 PM

Everyone wants to avoid wasteful spending and get the most for each dollar, especially in a bad economy. These tips can help you spend your money more wisely.

Choose an Eldercare Facility Carefully

7/21/2009 11:14:23 AM

According to U.S. Census Bureau statistics, one in five Americans will be older than 65 by the year 2050. Some will, by necessity, need to live in a facility that can cater to their changing medical needs. Use these tips to make choosing an eldercare facility for yourself or a loved one easier.

Avoiding Investment Scams

7/14/2009 11:28:18 AM

With the stock market in flux in recent months, many people are looking for ways to earn back the funds they've lost on stocks or to get some positive returns on the money they have left. Learn what questions to ask to save your family from falling victim to a scam.

Is A Reverse Mortgage Right For You?

7/8/2009 8:19:22 AM

Reverse mortgages have become a popular option for seniors who want to reap some of the benefits of the equity built up in their homes. However, it's important to know the pros and cons first.

Is Bankruptcy The Right Choice?

6/29/2009 4:49:38 PM

When bills pile up and times become desperate, many people begin to question whether declaring bankruptcy is a viable option for them. Consider these options first.

Is This A Good Time To Refinance?

6/23/2009 3:35:20 PM

When interest rates fall, it's a good time to consider refinancing a mortgage loan. However, it is important to consider these questions first.

Smart Steps When Renting an Apartment

6/16/2009 4:56:25 PM

This month, many new graduates will be taking the monumental step of renting their first apartment. Learn how to get off to the right start.

Great Gifts for Grads

6/10/2009 11:06:58 AM

Graduation is an important rite of passage for young adults. Use these savvy tips to get the grad in your life off on the right financial foot.

Cutting Wedding Costs

6/2/2009 10:23:23 AM

With the average U.S. wedding cost hovering around $28,000, many couples may give up hope on having the ceremony of their dreams. However, there is hope. Use these savvy tips to have a beautiful wedding on a budget.

Smart Steps for Funeral Planning

5/26/2009 4:24:05 PM

Many people experience anxiety at the thought of planning for a funeral, but a little forethought can ensure that a loved one receives what he or she desires while minimizing unnecessary expenses and stress during a difficult time. Learn how these simple steps can ease your worries during a stressful time.

How to Lower Your Prescription Drug Costs

5/19/2009 8:56:59 AM

Many people struggle to meet the steep price of medications for their families, particularly in a tough economy. Use these tips to make this necessary expense more affordable.

Avoid Mistakes When Borrowing from a Company Retirement Plan

5/12/2009 11:52:42 AM

The troubled economy has taken its toll on many consumers, resulting in job losses, home foreclosures and stricter lenders. Faced with a financial emergency, many people scramble to find available cash. If your family is faced with this situation, learn what to look out for when borrowing money from a retirement plan.

Protecting Your Retirement Savings

5/5/2009 4:11:41 PM

According to Congressional Budget office estimates, retirement accounts have lost somewhere in the neighborhood of $2 trillion. Use these steps now to help protect your investments.

New Parents: Avoid These Financial Mistakes

4/28/2009 1:55:09 PM

A new baby is a joyous addition to any family, but children also bring added financial responsibilities. Learn how to make the right financial choices for your new bundle of joy.

Helping Aging Family Members through Tough Economic Times

4/23/2009 11:16:18 AM

The downturn in the economy has taken a toll on everyone, but senior citizens are often hardest hit by a recession. Learn what you can do to help a struggling loved one.

Dealing with Debt Collectors

4/16/2009 10:39:52 AM

It's not uncommon to fall behind on debt payments, particularly in a troubled economy. If you have missed a payment or two, make sure you know how to handle a debt collector.

Procrastinators Take Heart �� File a Tax Extension

4/13/2009 1:10:43 PM

Taxpayers who procrastinated on filing their taxes this year, now have an easier way to postpone filing without penalty.

Three Scams to Avoid In Tough Times

4/9/2009 12:31:55 PM

While many honest workers have lost jobs in this economic crisis, scam artists are finding ways to stay fully employed by feeding on those in tough situations.

Made a Tax Return Mistake? Answers to Questions about Filing Amendments

4/8/2009 4:28:50 PM

Some taxpayers file their returns on time and later realize they made mistakes. Find out how to fix a tax return boo-boo.

Qualifying For a Mortgage in a Tough Economy

3/31/2009 8:18:32 AM

Getting a mortgage has become increasingly challenging during recent months. Take these steps to increase your chances for approval.

Electronic Tax Payment Options Offer Convenience

3/30/2009 4:34:01 PM

Investigate the three convenient and secure ways to settle tax liabilities without writing a check.

Five Ways to Stretch Your Dollar

3/26/2009 1:00:25 PM

Use these tips to help to get the most out of every dollar.

Smart Ways to Spend Your Tax Refund

3/24/2009 1:57:42 PM

Use your refund check as a second chance to do something smart with your money.

Which Medical Expenses Can Lower Your Tax Bill?

3/17/2009 8:58:08 AM

With healthcare costs skyrocketing, even Oklahomans with health insurance face big medical bills. One form of relief might be in tax deductions for qualified expenses.

Anticipating a Refund? Tweak W-4's and Never Overpay Taxes Again

3/10/2009 1:38:43 PM

Refunds were issued to more than 100 million taxpayers who overpaid their taxes last year. Learn how to keep what's yours and take home a fatter paycheck.

Avoiding a Tax Audit

3/3/2009 8:24:16 AM

While filing taxes may be a chore, taxpayers dread the prospect of facing an audit more. Fiind out how to reduce your family's chances of being audited.

Understanding the Child and Dependent Care Tax Credit

2/24/2009 10:45:27 AM

The child and dependent care credit benefits parents and caregivers who, in order to work or look for work, pay someone to provide care for a child under age 13 claimed as a dependent or for a spouse or dependent of any age who is physically or mentally incapable of self-care. Learn the rules so you can get the maximum credit.

Tax Breaks Help With Disaster Recovery

2/17/2009 11:04:44 AM

When disasters like the February tornadoes strike, taxes usually aren't the first thing victims think about. However, it should be reassuring to know when property is damaged, destroyed or stolen, individuals may qualify for tax relief on losses not covered by insurance.

Talking To Your Kids about Tough Economic Times

2/9/2009 2:13:08 PM

The nation is facing uncertain economic times, a fact that has had an impact on most Americans. It means that many families have tightened their budgets and cut back on spending. Use these tips to help your child learn from this troubled time.

Filing Status Determines Deductions

2/4/2009 8:31:08 AM

Choosing the right filing status is important. It can determine the tax rate that applies to taxable income and how many deductions a person is eligible for.

Don't Overlook Investment and Tax-Related Deductions

1/30/2009 9:16:12 AM

Taxpayers getting ready to file 2008 tax returns will want to be sure they're taking advantage of all the deductions to which they are entitled. Be sure not to over look these most-commonly overlooked deductions.

Five Steps to Take If You're Laid Off

1/21/2009 4:18:36 PM

In a troubled economy, many companies cut back on jobs. Whether you've been laid off or may be in the future, these tips will come in handy to get your family back on a firm financial footing.

How to Choose the Best Bank for You

1/21/2009 4:12:22 PM

When opening a checking or savings account, security and convenience top most consumer lists. Learn how to find the right banking fit for your family.

How to Save On Gasoline Costs

1/14/2009 4:21:26 PM

Whether gas prices drop or hit record peaks again, every driver can benefit from these savvy tips.

How to Set - And Keep - Financial Goals

12/30/2008 8:38:35 AM

What's on your family's wish list for the future? Dreaming of a special vacation? Buying a home or retiring to an exotic location? With these financial planning tips, most of your family's financial goals can be within reach.

Questions to Ask about Service Contracts

12/22/2008 9:43:09 AM

With the holidays over, many stores are slashing prices to clear out older inventory for newer models. While this is a great time to get a deal on big ticket items, it's also a good time to investigate service contracts for those items. Be sure to know what questions to ask before going to the store.

Smart Tips about Gift Cards

12/16/2008 8:57:56 AM

Gift cards can be convenient and thoughtful way to allow friends and family to choose their own presents for holidays and birthdays. However, many times there are hidden fees that can put a damper on the receiver's spending ability.

Be Smart about Holiday Spending

12/10/2008 2:38:45 PM

Showing someone you care doesn't have to break the bank. Use these tips to give without going broke.

Five Quick Steps to Keep More Money in Your Pocket

11/24/2008 5:09:55 PM

These simple money tricks can ease the financial burden on your checkbook this holiday season and for the year to come.

Don't Miss These Last-Minute Tax Breaks

11/24/2008 5:05:36 PM

With Thanksgiving this week and Christmas around the corner, the tax deadline is the last thing most of us want to think about right now. However, now is the time to make sure you've taken advantage of tax breaks available to you before you run out of time.

Legal Documents You Need To Have

11/19/2008 9:06:19 AM

Life is full of uncertainties, so it's a good idea that everyone has these three documents to ensure that their wishes are carried out in case of a serious illness or death.

Making the Most of Education Tax Credits and Deductions

11/14/2008 8:47:01 AM

No matter the approach to funding college tuition, there is financial relief available for qualifying taxpayers footing the school bills.

Making the Most of Student Loans

11/5/2008 8:13:02 AM

This is the time of year when many high school seniors finalize their decisions about college applications. That means their parents are giving serious consideration to how they are going to pay for college education. Follow these simple financing guidelines to ease the monetary burdens of higher education.

Great Ideas for Cutting Your Heating Bills

10/28/2008 1:21:18 PM

Don't let the first winter frost freeze your check book. These four easy tips can help.

Don't Be a Victim of Consumer Fraud

10/22/2008 9:17:03 AM

Consumer fraud is big business. An estimated 13.5 percent of American adults have fallen victim to fraud, according to one Federal Trade Commission study. To avoid losing your hard-earned cash to thieves, take these six basic precautions.

Be Prepared Financially For a Death in the Family

10/22/2008 9:15:33 AM

What would happen to your family's finances if you or your spouse were to die unexpectedly? Would it be easy for the surviving loved ones to get back on their feet financially? Use these tips to protect your family's finances.

Be Prepared For a Disaster

10/8/2008 3:24:35 PM

Last month's hurricanes remind us that natural or manmade disasters can strike at any time. While your family's health and security are the most important considerations, regaining order in your finances is essential for returning to normal life.

Creating Your Small Business Exit Strategy

10/2/2008 5:05:47 PM

Worried about what will happen to your business when you retire? Use these basic tips to lay the proper groundwork a successful succession plan.

Entering the International Markets

9/25/2008 8:51:29 AM

The global marketplace offers tremendous business opportunities, and a growing number of small businesses are taking advantage. Before your business takes the plunge, be sure you have all the facts.

Family Businesses Face Common Challenges

9/9/2008 12:12:26 PM

Unlike large corporations, family businesses carry a list of unique challenges. If you are involved in a family business or plan to start one, use these CPA-recommended tips to overcome issues.

Writing a Plan for a Successful Business

9/5/2008 9:38:24 AM

Many thriving businesses begin with someone's great idea for a product or service. However, it is also necessary to have a solid roadmap for the future. That's why every company - whether a start-up or a long-standing operation �� must to have a business plan.

How Long Should You Retain Financial Records?

9/5/2008 9:35:34 AM

Every year, taxpayers wade through piles of documents to find the information needed to file tax returns. But what happens to all that paperwork once the return is mailed? Knowing how long keep your records can be confusing. Follow these guidelines to keep your records straight.

Understanding Mutual Fund Fees

9/5/2008 9:33:33 AM

Are you overlooking the value of keeping your savings in a mutual fund? There is nearly $12 trillion invested in the nation's mutual funds.

When Should You Begin Taking Social Security Payments?

8/20/2008 3:57:44 PM

Choosing when to retire and start drawing Social Security benefits is an important decision and one that is as unique as the individual who is considering it. It's a decision that shouldn't be taken lightly because it could affect your ability to get a full payment in the future.

Understanding Mutual Fund Fees

8/19/2008 5:41:00 PM

Mutual funds allow you to buy into a diverse pool of investments, including short-term securities, stocks and long-term bonds, among other options. However, before you invest, beware of hidden fees that may affect your investment.

How to Protect Your Financial Privacy

8/6/2008 4:35:54 PM

Identity theft is a growing problem. On any given day, concerns about consumers' privacy being breeched hits the news. Use these simple tips to help keep your personal information private.

Go Back-to-School without Going Broke

8/4/2008 12:57:53 PM

With children wanting the latest trends in clothing, and families trying to continuously clothe growth spurts, the price tag of back-to-school can really add up. These tips can help kick off the school year with some extra cash in your wallet.

Smart Steps to Repair Your Credit Score

7/22/2008 8:51:58 AM

Need to bump that number up a bit? Learn how to give your credit a boost.

Is Your Credit Score Costing You Money?

7/15/2008 2:42:18 PM

Do you know your credit score? In uncertain financial times, even individuals with excellent credit histories may have trouble getting a mortgage or other type of loan. That's why it's important to know your credit score and the effect it may have on your checkbook.

Smart Tips for Getting a Raise

7/10/2008 2:35:25 PM

Are you earning the salary you deserve? In a tight economy, many people are finding that they aren't receiving impressive salary increases when evaluation time rolls around. Find out how to maximize your chances for a fatter paycheck.

Tackling Money Concerns in Remarriage

7/1/2008 2:06:55 PM

Money can be a source of tension in any relationship, but remarried couples often face more trouble. Remarrying couples can these take steps to preserve wedded bliss.

Finances for Two: Newlyweds and Money

6/24/2008 11:04:57 AM

Summer is a popular time for many couples to tie the knot, but before they do, they should make sure they get off on the right financial footing. A total of 84 percent of couples said that money causes arguments in their marriages, according to a magazine survey. Taking the right steps toward financial matrimony now can save a lot of tension and disagreement later.

Avoid Money Mishaps When Children Move Back Into the Nest

6/18/2008 8:16:32 AM

In an uncertain economy, many young adults have decided to spend a few years living with Mom and Dad until they have a stronger financial foundation. CPAs say to be aware of the financial challenges in this situation.

Money-Wise Advice for New Grads

6/4/2008 8:43:18 AM

This time of year, many recent graduates are leaving collegiate life behind and embarking on their first "real" career. It is an exciting time, but it's also a time of new financial responsibilities. Use these handy tips to make sure your grad gets off on the right financial foot.

Don't Let Your Teen Get Caught In a Credit Crunch

5/27/2008 3:04:49 PM

Explaining to your teen the good and bad about credit is necessary in today's world. Learn what, when and how to teach them.

Experts Say Start Early to Raise Money-Smart Children

5/22/2008 2:11:42 PM

Teaching your children the value of a dollar is one of the most important lessons you can teach them. Use these techniques to get a head start on raising money savvy children .

How to Avoid Scams When Searching For Scholarships

5/7/2008 10:28:06 AM

Tuition and fees for almost all universities have been rising drastically. With scholarship dollars often hard to come by, and parents anxious to get them, it's no surprise that scholarship fraud is also on the rise.

Protect Your Child Against Identity Theft

4/29/2008 2:27:35 PM

According to the Federal Trade Commission, the number of cases of identity theft committed against children is on the rise. Using these helpful tips should keep your child's identity safe.

Five Ways to Save On Energy Costs

4/25/2008 10:33:28 AM

Whether you're preparing for the scorching heat of an Oklahoma summer or looking to lower fuel expenses, these simple tips are sure to help you save money.

Oops! Made a Tax Return Mistake? Answers to Questions about Filing Amendments

4/22/2008 1:41:41 PM

Some taxpayers file their returns on time and later realize they made mistakes. However, you can file an amended return to correct your error. Get answers to some of the most frequently asked questions about filing an amended tax return.

Procrastinators Take Heart -- File a Tax Extension

4/22/2008 1:40:42 PM

Taxpayers who insist the April 15 deadline "crept up on them," now have an easier way to postpone filing.

Understanding Medicare Advantage Plans

3/31/2008 10:24:07 AM

While Medicare Advantage plans can be an excellent choice in some circumstances, Congress and many states have investigated abusive sales tactics employed by marketers selling private fee-for-service Medicare Advantage plans. Learn what questions to ask to avoid being taken by fraudulent claims.

Tips for First-Time Home Buyers

3/25/2008 5:00:28 PM

With the mortgage crisis seemingly growing worse by the day, many first-time buyers may be wondering if this is a good time to enter the market. Learn how to ensure your investment in an unsure time.

Tax Tips for Members of the Military

3/13/2008 5:01:00 PM

Tax Time maybe especially troublesome for those who are serving in the armed forces. Find out what special tax breaks and programs available to you.

Best Ways to Spend Your Tax Refund

3/11/2008 2:52:56 PM

Before you run out and by that new Wii, learn some financially healthy ways to spend that refund.

CPAs Answer Tax Time FAQs

3/4/2008 3:29:28 PM

Get expert advice on the most commonly asked tax questions.

Five Signs Your Finances Are In Trouble

2/26/2008 1:26:04 PM

Often people make small mistakes that add up over time to create big financial problems.

Protect Yourself from Tax Preparer Fraud

2/26/2008 11:54:50 AM

While most preparers provide excellent service to their clients, the IRS urges taxpayers to be very careful when choosing a tax preparer. Use these tips to make the right choice.

No Sweat Tax-filing Tips

2/26/2008 11:37:49 AM

As the April 15 tax deadline draws closer, many taxpayers face unnecessary stress about filing 2007 income tax returns. Use these tips to reduce your tax stress this year.

Understanding Medicare Advantage Plans

2/26/2008 11:27:21 AM

Financial Advice for the "Sandwich Generation"

2/21/2008 2:56:50 PM

Many baby boomers are trying to balance caring for an elderly parent while also tending to the needs of their own children. People are living longer, so there's a greater chance that this trend will continue. Use these simple tips to ease the burden.

Oklahoma CPAs Suggest Alternatives to Traditional Valentine's Day Gifts

2/13/2008 10:00:22 AM

This Valentine's Day, consider giving your sweetheart more than candy, flowers and dinner. Find out how to say "I Love You" in a unique way.

Minimize Your Health Care Costs

2/12/2008 11:23:47 AM

The National Coalition on Health Care says typical out-of-pocket expenses consumers pay has jumped more than 115 percent since the year 2000. Learn what you can do to minimize your costs.

Why You Can't Afford To Overlook Tax Credits

1/31/2008 4:29:25 PM

Tax credits can cut your IRS bill in half. Learn which ones your family qualifies for.

Business Deductions Offer a Chance for Lower Taxes

1/31/2008 1:57:53 PM

Employees who pay business-related expenses not reimbursed by their companies may be entitled to valuable tax deductions. Learn what you need to do to qualify.

Tax-Smart Retirement Planning

1/31/2008 11:13:13 AM

Employers are increasingly shifting the responsibility for retirement savings to the employee. Learn simple rules to master your retirement planning.

Sure Steps to Achieve Financial Goals

1/15/2008 3:56:25 PM

Whatever your financial savings objectives are this year,you can turn your financial dreams into realistic goals.

Ring In the New Year with These Financial Resolutions

1/8/2008 10:54:19 AM

Saving money and paying off debt are two of the most common resolutions made for New Year's. Get easy tips to help you keep your money resolutions.

Three Ways to Protect Yourself from Identity Theft.

1/8/2008 10:52:07 AM

Identity theft costs consumers millions of dollars each year. Save yourself the trouble and the money by following these easy steps to help keep you from becoming a victim.