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Buying a car isn't exactly a fun experience for most people. Cars are an unusual product. Two customers can go to the same dealer on the same day and buy the same car. But one customer ends up paying a lot less than the other. The price of a car often depends on the customer and his ability to negotiate.  There's no polite way of saying this - car dealers fully expect to make the majority of their profits by inflating the cost of everything and bullying their way with pushover customers.  Even if you're well informed on prices, the dealer has a host of tricks to maximize its profits.  Here are 10 Tips to buy a new car cheaply.

There must be a thousand rackets out there to fleece consumers out of their hard-earned dollars. Everybody gets ripped off. It’s nothing to boast about but I’ll admit to being a victim to half of these scams. We’ve tried to whittle it down to the dirty dozen - the ones that should be considered high crimes and misdemeanors - highway robbery by any other name. OK, a few of these might not rise to that level, but they'll still put a dent in your wallet.

If you want to move ahead financially and stay ahead for life, there are a few major financial decisions that you need to nail down. The sooner you get them right, the more likely they will make a huge difference in your life style.   Here are 5 personal finance tips that you can follow that will give you a leg up for the rest of your life:

For some time now, I've been harping on the bogus government unemployment statistics. At the very minimum, 17%, if not 20% of the workforce is either out of work or seriously underemployed. These figures don't begin to tell half the story because the cast of characters who make up the pool of unemployed workers is constantly changing. What I mean by that, is that Joe Smith might be unemployed today but when he gets a job next week, chances are that another American, maybe his wife or his neighbor, will replace him on the unemployment line. This recession could very well inflict periodic unemployment on as many as one out of every three workers. So, given those odds, it's worthwhile to muse on how best to deal with a pink slip. Not to minimize the trauma of dealing with a major loss of income or having to put your career on hold, but there is a silver lining or those who have mastered the art of cheap living. If you've saved your pennies and have a low cost lifestyle, a few months off with unemployment insurance can end up being like a welcome sabatical.

Here's 7 ways to kick back and make the best of it.

15 year mortgage rates are 3.25% but does it makes sense to refinance from a 30 year mortgage?  Everyone has their opinion on how to  purchase or refinance a home but the choice is dependent on your situation and personality.  So should you pass up an on that ultra low fixed rate mortgage?  We weigh the benefits of lower interest rates versus the risk of making higher payments: