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Consumer bankruptcies jump in 2008

09.01.09

Bankruptcy filings by American consumers increased nearly a third in 2008, according to a new report.

Diversification, the notion of spreading your investments among different baskets of assets that don't rise and fall in unison, has long been considered one of the safest and surest moves you can make with your portfolio. After all, if any one basket falls apart, most of your brood should remain intact. Question: In your article in the January issue of Money, you recommend buying total market index ETFs. But I don't find being able to trade ETFs like stocks throughout the day to be an advantage for me. For example, if I buy the Vanguard Total Stock Market ETF I will have to pay commission when I buy and sell, whereas I can buy their Total Stock Index mutual fund with no fee. I don't understand why ETFs are better than mutual funds. As yet another bank faces collapse, consumers are worried about their cash.



Southwest is beating the air travel slump. The biggest U.S. discount airline surprised investors in January by posting earnings of $74 million (before one-time charges) after lower jet fuel prices made up for cheaper ticket prices. When Kimerby and Tony Simmons were married last month at a vineyard in the foothills outside Atlanta, they participated in the African-American tradition of jumping over a broom - an act symbolizing their entrance into a new phase of life together. Question: I'm 22 and want to get an early start on saving and investing for retirement, but I don't know where to begin. How do I start a retirement plan? --Jacklyne S., Kileen, Texas

Last year it looked as if the era of the celebrity fund manager was finally, definitively over. The best and brightest had not only failed to avoid the financial meltdown but did worse than the market as a whole. Now some are staging a comeback.

Constant news of layoffs, pay cuts, and stock declines has all of us tightening our belts: A recent Money poll found that in light of the financial crisis, 89% of us are changing the way we manage our finances, and 88% plan to be more frugal. This year you can score a rare recession-induced break on your energy bill: The combination of a weak economy and a production boom has dropped the cost of heating with natural gas to a six-year low and is keeping a lid on other heat sources as well. But you can still save more. These questions will help you figure out the most cost-effective ways to keep out the cold.

The Volt may get 230 mpg. GM says it will cost only 40 cents to fuel up the car from a household outlet. But it still may not be worth it to buy one. Happy new year and welcome to your new job. One that pays 30%, 50%, 70% less than your old one. Is the daily indulgence of Starbucks and McDonald's coffee replaceable? High-flying shares of Green Mountain Coffee Roasters seem to indicate so.



"Drill baby, drill" may have failed as a campaign slogan, but the mantra appears to be working for investors. After months of declines, municipal bonds look too cheap to pass up, and signs suggest the market may be ready to rebound. Question: My mother-in-law, who's in her early 60s, was recently widowed. She now has Social Security and approximately $300,000 from a life insurance policy to live on. She's not comfortable taking on much, if any, risk but she does need to generate income from the life insurance proceeds. Any recommendations for how she should invest this money? --Chris, Atlanta, Georgia

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