Despite the recent headlines, bank failures are extremely uncommon. But if you're concerned, here's what you need to know.

Consumer confidence is in the gutter, inflation is on the rise and the economy is struggling. But even as consumers cut back on spending, there are some things they refuse to give up.

Question: I'm about ready to retire and I'm worried about rolling over my pension and my 401(k). Do you recommend self investing with one of the low-fee investment companies like Fidelity, Charles Swab, etc. or one of the high-end fee companies like Smith Barney, UBS, AG Edwards etc. to get more for my buck in the long term and for the rest of my life? Is 1.4% to 2.5% a reasonable annual fee?

This is already one of the worst national housing downturns in half a century. But what's really scary is that judging from the still-huge overhang of unsold homes - one of the key indicators of the market's prospects - things could get worse. In fact, much worse if the economy slips into recession.

The chances are your bank is not going to shut down overnight.

Don't get discouraged by market losses and temporary setbacks. Long term retirement saving is usually a winning game.

This is one of those days you probably wished you stayed in bed.

Been turned down for a credit card lately? Probably not if you're a teenager with no job and no credit history.

With a little careful planning, you can still have a comfortable retirement. There are plenty of tools and resources to help you figure out where you stand.

The fate of Fannie Mae and Freddie Mac may be hanging in the balance but many mortgage borrowers already find themselves struggling to find affordable loans.

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The FDIC stressed Sunday that the takeover of failed bank Indymac is largely a "non-event" for most customers.

Question: I received a call from a broker who gave me a strong recommendation to buy a stock. While he told me I could buy it without him, he said we could make a lot of money going forward if I used him. Should I have listened to him? The stock he recommended hasn't done much since he called me.

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Finances can be a touchy subject among family members. If you try to offer help, proceed with caution, says Money Magazine's Walter Updegrave.

Bonds will occasionally outperform the stock market in the short run, but over the long haul, stocks still tend to come out on top.

With the 'R' word looming, a lot of investors are ready to jump ship to shield their retirement. Look before you leap, says Money Magazine's Walter Updegrave.

Don' be misled by advertisements promising a high cash value for a small premium. There are better steps you can take to secure your child's future says Money Magazine's Walter Updegrave.

Question: Each year my wife and I contribute the maximum to our retirement accounts. My question concerns the timing of our investments. Are we better off spreading out the money we invest over the entire year - or should we invest the money as soon as we can? - Eric, Seattle, Washington