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Working from home takes research, effort, some capital, and the desire to see success. In other words, it's hard work.

By MSN Money Partner Feb 23, 2011 10:00AM

This post comes from Linsey Knerl at partner blog Wise Bread.


I've been working from home for more than three years. While I haven't paid a penny for online programs designed to teach you how to work from home -- or that promise to help you get rich quick -- I can smell them from a mile away.

Many of the letters I get from Wise Bread readers inquire about specific work-from-home programs, and while I don't have experience with any of them, it's usually possible to tell at a glance if they are legitimate. Examples of programs that get asked about most often include those that promise money for being a billing processor, Internet sales specialist or blogger.


In addition to perusing this fantastic collection of tips for finding legitimate work-at-home opportunities, here are my suggestions for spotting the scams:


Doubt undermines trusted data on home sales. And home prices slip again, near crash's lowest point.

By MSN Money Partner Feb 22, 2011 4:28PM

This post comes from Marilyn Lewis of MSN Money.


Yikes. It might be even worse than you thought.


The real estate crash, that is.


"The housing crash may have been more severe than initial estimates have shown," The Wall Street Journal reports.

The source? It's the National Association of Realtors, a lobbying and industry group. Its analysts are reviewing their work to find out if they over-counted U.S. home sales as far back as 2007.


Keeping tabs on what you're tossing away will focus on money leaks you're probably not aware of.

By MSN Money Partner Feb 22, 2011 3:12PM

This guest post comes from Jennifer Derrick at


One of the most frequent pieces of advice given to those wanting to save money is to write down all of your spending. Doing this exposes all the wasteful spending that often slips by unnoticed.


I have a corollary piece of advice: If you want to save money, start by examining your trash, both at home and at work. When you look at what goes into your trash, you not only see what you're spending money on, you start to get a picture of how much money is being wasted. While you may see cleaning wipes, for example, as a necessary expense, your trash sees them as wasted money -- something you used once and then threw away.


Here are 10 things you don't want to find in your trash if your goal is to spend less and save more:


Here are some common-sense notions to keep in mind when it seems like the sky is falling on your golden years.

By MSN Money Partner Feb 22, 2011 1:43PM

This post comes from David Ning at partner site U.S. News & World Report.


 U.S. News & World Report on MSN MoneyI am tired of reading all the doom and gloom reports explaining how our retirement is in danger. Yes, there may be high inflation in the future and average 401k balances should be much higher. But let's not scare ourselves just yet.


Here are five reasons your retirement will turn out just fine.


The use of credit doesn't deserve the bad rap it's gotten in recent years.

By MSN Money Partner Feb 22, 2011 1:33PM

This post comes from Jim Wang at partner blog Bargaineering.


One of the big lessons from the post-credit crisis era -- and you could argue we're still fighting through the crisis itself -- is the idea that cheap credit and cheap debt are bad for you.


In general, I'd agree that racking up double-digit interest rate debt is a very bad thing, but having access to that credit can be a very good thing.

It's been a while since I wrote a Devil's Advocate post but I think it's timely. There's been a huge backlash against credit and debt lately, in part because they were a cornerstone of the credit crisis. I think the anger and fear are a bit unfounded. For every irresponsible borrower, there's a responsible one taking full advantage of credit and using it in a way that enriches his or her life.


Today, we'll look at just a few of the reasons why you shouldn't abandon credit.


With 1 in 11 Americans officially unemployed, the rules of conversation have changed. Here are a few sentences to avoid.

By doubleace Feb 22, 2011 11:25AM

This post comes from Lynn Mucken at MSN Money.


It was 10 a.m. on a weekday and, technology being what it is, there was no doubt who was calling. So, instead of a simple "hello," the not-so-clever salutation was, "Why are you telephoning at this hour? Don't you have a job?"


A long three seconds of silence, then, "Well, actually, no."


Just another lesson learned on how to tread lightly in the minefield that is the U.S. economy. With at least 9% of working-age Americans unemployed -- some of them for two or three years -- there's a whole new protocol for conversations.


The future of the Borders bookstore chain seems dimmer than ever. But on the bright side, liquidation sales across the country mean great deals for customers.

By Stacy Johnson Feb 22, 2011 10:16AM

This post comes from Karla Bowsher at partner site Money Talks News.


What do a book about the F-word and a bottle of Dr Pepper-flavored gourmet jelly beans have in common? I bought both for 30% off when my local Borders bookstore went out of business in December. And your nearest store could be next.


Borders, now in bankruptcy, expects to close 204 stores by April, which means chances are high that you too may be able to cash in. Borders plans to hold liquidation sales in these stores.


Airline finally notices it has a problem relating to its customers.

By MSN Money Partner Feb 21, 2011 9:16PM

This post comes from Truman Lewis at partner site


It hasn't been a very good year for Delta Air Lines or its passengers. Hoping for a better year in 2011, the airline is sending all 11,000 of its customer-service agents back to school, hoping to retrain them to be at least civil, if not downright polite.


Cynics would say it's about time.



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