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" If you make any trades during the year, keep a record of each transaction for at least three years. "

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" Just because you can afford it doesn't mean you should buy it. "

" Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card. "

" The way to build your savings is by spending less each month. "

" Credit card issuers and HELOC lenders are like fair-weather friends: They cozy up to you in good times, but when the economy heads south, they abandon you faster than Usain Bolt runs the 100 meters. "

" I love, love, love that you want to use your debit card. But to keep your credit score solid, you still need to keep a few credit cards and use them at least once every few months. "

" The world needs another vehicle to get people to pay in cash. "

" If the only way you can build an emergency fund is to pay the minimum due on your credit card, that is what you need to do. "

" Structured settlements are a common way for people who have been injured to receive an insurance payout. The periodic payments provide ongoing income and reduce the risk of blowing a lump sum through poor financial choices. "

" To make the most of your money, I recommend sticking with mutual funds that don't charge a commission when you buy or sell. "

" I always knew that I would have to make it on my own somehow. "

" The world does not need another credit card. "

" If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance. "

" I have never been a fan of bond funds. Unlike a direct investment in an individual bond that you can hold to maturity and be assured you will get your principal back (assuming no default), a fund has no finite maturity date and most funds are actively traded. "

" For seven years after college, I was a waitress at the Buttercup Bakery in Berkeley, and from there I got a job at Merrill Lynch as an account executive, from where I went to vice president of investments for Prudential-Bache Securities. I started my own firm in 1987. "

" If there is anyone dependent on your income - parents, children, relatives - you need life insurance. "

" The new American dream is one of responsibility. What is the bottom-line number that you're going to be able to pay back toward a student loan responsibly if you're doing it yourself after you have a job? That dictates the amount of money you can borrow. That dictates the school you can go to, if you can even go to a four-year college at all. "

" Owning a home is a keystone of wealth - both financial affluence and emotional security. "

" Find $50 a month for savings. No excuses! "

" Give a portion of your money to others. By releasing an anxious grasp on your money, you will open yourself to receive all that is meant to be yours. "

" Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up. "

" Understand and accept the cycles of money. The setbacks you may have today or next year will not keep you from financial freedom. If you hold on to your goals and dreams, you will get there. "

" Many people are in the dark when it comes to money, and I'm going to turn on the lights. "

" Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as high as you think. "

" If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards. "

" The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts. "

" Time is key to building your financial security. "

" The less money you owe, the less income you'll need and the less you'll have to save for tomorrow. "

" For all your long-term investments, such as retirement accounts that you won't touch for at least ten years, you need a mix of stocks and bonds. Stocks offer the best shot at inflation-beating gains. But stocks don't always go up. That's where bonds come into play: They have less upside potential, but they also do not pack the same risk. "

" If you can't afford the upkeep of your home, it makes no sense to do a reverse mortgage. You will just end up having to sell eventually when you realize you can't afford the home, and whether you have any equity left after the sale depends on the size of the reverse loan that must be settled. "

" Your credit score affects the interest rates you're offered on credit cards and loans, can be used to vet your job application, and in some states may influence your insurance premiums. "