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Declare Financial Independence
[fireworks]
If you're like most Americans, you have no idea what it feels like to be financially free. Consider this: Saving just one dollar a day can get you a long way there.
 
Unlimited Access
More banks are slashing credit limits on our plastic. Six ways to keep the spigot open.
 

 
ROI By BRETT ARENDS
A Daring Play on the Auto Makers
If you're willing to bet that the U.S. car industry can somehow survive its current crisis, Wall Street is willing to quote you generous odds. Ready to gamble? Take a look at Ford call options.
 

 
Ditching the Motel 6
[small cheap motel]
A real vacation, like they show on TV, would cost real dollars. The Cheapskate recounts the highs and the lows of the all-expenses-spared family getaway.
 

 
Group Says Loan Delinquencies Rising
Cash-strapped U.S. consumers hurt by the weak economy continued to fall behind on credit payments during the first quarter, a trend one financial-industry group said is likely to continue.
 

 
SMARTMONEY STOCK SCREEN
Efficiency Experts
When growth investors sell, the saying goes, they sell to value investors. That is perhaps happening now with VimpelCom, a Russian cellphone-service provider.
 

 
Kids Get Money-Wise at Camp
[Go to article]
Ed Koren
With the country's uncertain economy, financial education is expanding to younger kids, even grade-school students. This summer, school-age children will attend finance camp, where they'll learn how to rebalance portfolios and invest in real estate.
 

 
TAX REPORT By TOM HERMAN
How to Cheat the Estate Tax
[Uncle Sam]
Congress and the next president are expected to reach a compromise on future estate tax rules. Here's a look at what tax plans could lie ahead and how families would be affected by them.
 

 
COMMON SENSE
Bear Market Brings New Opportunity to Buy
It's official: We're in a bear market. Things are not all that bad, at least not yet. This isn't yet cause for action according to the Common Sense system. The next buying threshold will be 2060 on the Nasdaq.
 

 
Swap and Save
[Trading for Goods]
Cash-strapped consumers are coming up with creative ways to fight higher costs. Gaining popularity: the ancient art of bartering.
 

 
ROI By BRETT ARENDS
It's a Great Time to Be an Investor. Yes, Really
At times like this, it's worth remembering: the market doesn't reward the timid. But those that can stomach the current turmoil should be well rewarded in the future.
 

 
Visa Stops Debit-Card Rule
[Visa cards]
Visa is dropping rules that required consumers to enter a four-digit personal identification number, or PIN, for debit-card purchases.
 

 
Princeton Receives $100 Million Gift
A Princeton alumnus and chairman of Andlinger & Co. investment firm is giving the university $100 million to create an engineering center to study energy and the environment.
 

 
ASK ENCORE
Social Security's 'Earnings Test'
Our columnist answers a question about Social Security's so-called earnings test for a reader in his first year collecting benefits.
 

 
PERSONAL FINANCE COLUMNS
Read the latest personal finance columns from the Journal's news and personal finance pages:
R.O.I. by Brett Arends
Declare Financial Independence
07/04/2008
FISCALLY FIT by Terri Cullen
That Sinking Feeling
06/25/2008
TAX REPORT by Tom Herman
How to Cheat the Estate Tax
07/02/2008
GREEN THUMB by Staff
What to Do to Survive This Market
06/28/2008
TODAY'S MARKETS8:32 a.m. EDT
   STOCKS LAST CHANGE %CHANGE  
  DJIA * 11288.54 73.03 0.65  
  Nasdaq * 2245.38 -6.08 -0.27  
  S&P 500 * 1262.90 1.38 0.11  
  DJ Wilshire 5000 * 12815.46 -26.87 -0.21  
   TREASURYS YIELD CHANGE  
  1-Month Bill * 1.8475 -1/32  
  3-Month Bill * 1.8483 1/32  
  6-Month Bill * 2.0844 Unch.  
  10-Year Note * 3.9847 -6/32  
  30-Year Note * 4.5377 -18/32  
Source: Reuters and Dow Jones* At close
Note: Closing quotes are preliminary
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Emergency Situation
Waiting times in ERs across the country continue to grow. Here's how to make sure you get the care you need.
 

 
Higher Prices, Higher Deduction
The IRS raises the business-mileage deduction rate, acknowledging the higher cost of gas.
 

 
Watch Yourself
In an uncertain economy, investors are more susceptible to scams.
 

 
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