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And there's no monthly fee to erode your earnings.Presented by Navigation Center Consumer Action5 Ways to Unload a Gas Guzzling SUV How to quickly unload your gas guzzler without taking too much of a financial hit. Autos College Planning Consumer Debt Management Elder Care Estate Planning Health Care Insurance Life Stages Marriage & Divorce Real Estate Retirement Short-Term Investing Small Business Tax Planning Travel Columns: Ask SmartMoney | Consumer Action | Deal of the Day | Me & My Money | Tax Matters | 10 Things Videos: Deal of the Day | Retiring Right | Smart Advice Worksheets & Calculators: Autos | College Planning | Debt Management | Elder Care | Estate Planning | Health Care | Insurance | Marriage & Divorce | Real Estate | Retirement | Short-Term Invest. | Taxes MORE STORIES Deal of the Day Students Face Steep Lending Curve By AnnaMaria Andriotis Private lenders are tightening requirements. Here's what students need to know. A Crash Course in Credit Cards for College Students Consumer Action Weathering the Downturn By AnnaMaria Andriotis & Kelli B. Grant Use these four tips to bolster your finances during tough economic times. 5 Tips for Navigating Troubled Markets SmartMoney Magazine 3 Open Enrollment Tips By Angie C. Marek Health care costs are rising (again). Here's how to get the most out of your 2009 benefits. The Best Way to Save on Health Care Costs Deal of the Day Beating the Budget Crunch By Kelli B. Grant How to scale back on regular expenses without feeling like you're doing without. How to Save on (Almost) Everything Deal of the Day Help Wanted By Kelli B. Grant How to handle a layoff and get yourself back into the work force. Five Best Cities for Job Hunting SmartMoney Magazine The Latest Luxury Coupes By Paul Ingrassia Audi and Infiniti roll out sporty models, hoping baby boomers bite even in a tough economy. BMW Review: The New 1-Series Deal of the Day The Cost of Securing Your Money By Lisa Scherzer Raising FDIC insurance limits may result in unfavorable rates and fees for consumers. What FDIC, SIPC, NAIC and More Really Do Ticked Off 3 Safe Harbors for Your Cash By Dan Burrows The stock market upheaval has many investors seeking shelter from the financial storm. Banks Sweeten CD Rates to Attract Cash The Tax Guy Short-Term Gain, Less Tax Pain By Bill Bischoff Reduce the tax hit on short-term bets by investing in broad-based equity index options. Take Advantage of 0% Capital Gains While They Last Deal of the Day Trade Ya By Kelli B. Grant With the economy faltering, more folks are turning to barter as a means of trade. Top 5 Times to Haggle for a Better Deal Deal of the Day Lock in That 0% Rate Now By Kelli B. Grant New restrictions may result in the end of 0% credit card offers. Get in while you can. Banks Lowering Credit-Card Limits Rip-Off of the Week The Seven-Year Headache By Stacey L. Bradford The popular seven-year auto loan seems like a good idea — until you do the math. Finding a Good Deal on a Leased Car Not Easy Ticked Off Sweet CD Rates By Paulette Miniter Yields are climbing as banks try to attract savers' cash to shore up balance sheets. What FDIC, SIPC, NAIC and More Really Do Deal of the Day Goodbye, Wachovia By Kelli B. Grant What does consolidation in the banking industry mean? Here's the good and the bad. Credit Unions Offer a Smart Banking Option SmartMoney Magazine 10 Private Eye Secrets By Shahryar Motia Forget Sam Spade. Today's PI is more likely to troll the Internet than the urban jungle. 10 Things Archive: Airlines, Tax Preparers and More Deal of the Day Will the Bailout Help Homeowners? By Lisa Scherzer We ask the experts what it means for mortgage rates, home prices and loan availability. Pain of Deleveraging Will Be Deep and Wide The Tax Guy The Refundable AMT Credit By Bill Bischoff If you exercised incentive stock options and got socked by the AMT, here's some relief. The Alternative Minimum Tax RATES & YIELDS Product Today's Rate 1 MonthAgo 6 MonthsAgo $30K HELOC 5.49% 5.56% 4.88% 1 yr CD 3.62% 3.69% 2.91% 30 yr fixed mtg 6.16% 5.78% 5.62% 48 month new car loan 6.56% 6.49% 6.78% Last Updated October 10, 2008 Data provided by Bankrate.com SmartMoney University   SmartMoney University Ready to take control of your financial life? We're here to show you how. Introducing the Web's best guide to investing All you have to do is click... 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