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Viewers have been complaining almost since people first had TVs at home.

By Teresa Mears Dec 14, 2009 2:49PM

Since the 1960s, consumers have been complaining about loud TV commercials.


Finally, Congress and broadcasters seem to be paying attention (maybe consumers should have bought some loud commercials themselves?). Legislation filed two years ago by Rep. Anna Eshoo, a Democrat from California, may come to a House vote as early as this week.


It only took 45 years of consumer complaints, according to Consumers Union.


One reader said she even removes her diamond ring before entering the store.

By Karen Datko Dec 14, 2009 2:28PM

When you shop at thrift stores, do you feel guilt for depriving poorer folks of the items you purchased at bargain-basement prices?


Julia at Bargain Babe confessed that she does. She's felt bad about “sucking up a limited resource,” she wrote. “I can afford to pay more for clothes," her thinking goes. "Therefore I should, leaving the Salvation Army and Goodwill selection to the poor.”


Most readers advised her to get over it, and at least one thought Julia had lost her lid -- “You cannot be serious about this question,” Mimi said -- but others understood exactly what she was talking about.


We're negotiating all the time, so why not learn how to do it effectively?

By Karen Datko Dec 14, 2009 10:11AM

This post comes from J.D. Roth at partner blog Get Rich Slowly.


In May, I wrote about how to negotiate your salary. I argued that following the advice in Jack Chapman’s “Negotiating Your Salary: How to Make $1,000 a Minute” is one of the best ways to improve your financial well-being. I still believe it. If you’re looking for work or looking for a raise, you should absolutely read his book.


But negotiation is a skill you can use in other parts of your life, too. In fact, in “You Can Negotiate Anything,” Herb Cohen says that we negotiate constantly with our spouses, our children, our parents, our co-workers, and our friends.

The 3 crucial variables
In every negotiation, Cohen says, there are three crucial variables: power, time, and information.


California homeowners find strategic default and becoming renters the new American dream.

By Teresa Mears Dec 11, 2009 6:02PM

Is defaulting on your underwater mortgage and then renting a better house for less money the new American dream?


The Wall Street Journal this week wrote about several families in California who did just that and are happier for it.


"It's just a better life. It really is," says Shana Richey, a schoolteacher who gave up on a house in Palmdale, Calif., that had declined more than 50% in value since she and her husband bought it in 2004.


The people in the Snuggies marketing department are evil geniuses.

By Karen Datko Dec 11, 2009 2:41PM

This guest post comes from Andrea at Fools and Sages.


They’re everywhere!


Last year when the Snuggie commercial came out, it was just another silly product with a fun commercial -- although not nearly as fun as the ShamWow. When a parody went viral on YouTube, I was laughing along with everyone else. And when my neighbor admitted to actually owning one, I patted her on the arm and told her how much I appreciate her as a constant source of amusement.


Free Christmas songs for iTunes and Amazon, plus a free poinsettia.

By Teresa Mears Dec 11, 2009 1:22PM

It’s time for Friday freebies and food deals, but the deal makers seem to be settling down for a long winter’s nap, or at least a holiday hiatus. Some of last week’s deals are still good.


To make up for the lack of free food, we’ve found you some free music, free kids’ craft workshops, a free poinsettia and even a free bus trip.


Our blogger is hooked on hoofing it. She's saving money, too.

By Donna_Freedman Dec 11, 2009 11:45AM
My name is Donna, and I'm a walkaholic. It's been four hours since my last perambulation.

I've always liked walking to a nearby market or to the library. For the past three years there's been plenty of walking on the university campus. But I used the bus, too, and sometimes I even drove my car on errands. Back then, I was still in control. 

But you can find great deals on magazines, computers, jeans and travel to Mexico.

By Karen Datko Dec 11, 2009 11:32AM

This Deal of the Day is from Kelli B. Grant at partner site SmartMoney.


Visit your e-mail inbox this time of year, and it’s easy to think you’re being stalked by every retailer in the mall. Depending on how you handle the influx, those e-mails can be your best bargain or your worst budget-buster.


Looking back over the past week, I’ve received roughly 50 e-mails a day in my personal account touting sales and deals, including a few travel and shopping newsletters. Yet I pulled out my credit card for just one: a $300 Calphalon pan set. They’re on sale for $80 through Dec. 13, and I wanted to replace the warped hand-me-downs I’ve been using since college. Minus a $42 leftover gift certificate balance from last Christmas, I got them for $38 -- an 87% discount.



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