KAUZ-TV: NewsChannel 6 Now | Wichita Falls, TXPersonal Finance

Can you refinance an underwater home without HARP?

A lot of homeowners with underwater mortgages would like to refinance, but they don't qualify for HARP (the federal Home Affordable Refinance Program). Do they have other options?

Purchases you should always make with a credit card

Credit cards aren't always bad possessions to have. There are certain perks associated with using credit cards as we make routine or irregular purchases.

Sleep deprived? Try taking a nap at work

Sleep deprivation is a huge productivity killer. One solution is to make naps normal at work.

Workaholic? Maybe you're really a successaholic

Think you're an incorrigible workaholic? A Harvard professor suggests you might actually be addicted to success. And that's a good thing.

Sweatwork: Bring your networking meetings into the gym

A new trend in business has people taking colleagues to the gym instead of out to lunch.

How to tell if you're cheap or frugal

Here are a few distinct character differences between those who understand value and those who don't.

Should you switch to a lower interest credit card?

Making a balance transfer may save you money, but it also could hurt you in the long run. Here are six steps to take before switching credit cards.

620, 680 or 720? What credit score do you need for a mortgage?

What kind of credit score do you need to qualify for a mortgage? A new survey of bank executives by the Federal Reserve provides some answers.

Insurance tips for homeowners

Use these simple ideas to save money and get better coverage for your house.

Answers to 10 top money and debt questions

Figuring out finances can be confusing... but it doesn't have to be.

Credit cards: How to save $400 at the pump

Credit cards with gas rewards can be a big help in coping with high gas prices. The most effective credit cards could save you $400 at the pump.

8 careers that pay less than you think

If you ever thought EMTs or architects make a lot of money, you'd be wrong.

Who's watching you on Facebook?

There are many people who could be watching you every move on Facebook. Here are the ones you should look out for.

The future of Medicare: Why you should be worried

Younger generations might want to start preparing for retirement now. Some things may not last that much longer

Building a professional work wardrobe on a tight budget

Shopping at outlet stores and signing up for mailing lists are just some of the ways you can dress well for work on a budget.

How women can take charge of their retirement

Ladies, you don't need a man to take care of your own retirement future. Read on to see how you can do it yourself. It's not too late to start today.

How to finance a home improvement project

Home improvement projects are popular these days, but getting financing for them can be difficult. So what are your options in today's tight credit market?

How to handle awkward money situations

Money conversations with friends or family are always awkward and it's difficult to know what to do in these situations.

Facebook passwords: Why companies don't use them to see your posts

Several states are considering laws to bar companies form asking for applicants' social media passwords. But the social-media world is easily mined even without passwords.

New CFPB borrower protections proposed

New rules to provide consumers with greater protections in dealing with their mortgage servicers have been put forward by the Consumer Financial Protection Bureau.

What it costs to die

Here's a rundown of what your funeral might cost. Make sure you're prepared so your family won't have to worry.

An in-depth guide to HARP 2.0

Known as HARP 2.0, the new rules for the government's Home Affordable Refinance Program are designed to make it easier for certain homeowners to refinance their mortgages.

To splurge, or not to splurge, that is the question

There are some things that are worth the extra money and some that aren't. We'll give you a few examples on when and when not to fork over the extra cash.

Finance tips for single women

Don't bend to the old convention or be a statistic. Take control of your financial well-being today. It's not too late!

Top 5 apps for job seekers

E-recruitment is becoming increasingly popular; find out about five apps to streamline your application process.

S&P: Home prices fall to new low

U.S. home prices fell again in January, dropping to their lowest level since the housing crash occurred, according to the Standard & Poor's/Case-Shiller Home Price Indices.

Spring cleaning for your pocketbook: 8 ways to make your finances shine

Get the mothballs out of your financial closets this spring with tips to spruce up debt and money.

Buying a home now cheaper than renting

If you've been thinking about buying a home, consider this: In virtually every city in America, it's now cheaper to buy a home than to rent.

How to detect and avoid work-from-home scams

Working from home can be a dream or a nightmare. Read on to discover what to watch out for.

Hispanics may drive housing recovery

When the housing market finally rebounds, Hispanic buyers will play a major role, according to a new report.

Job qualifications you need in 2012

With many looking to develop their existing skill set and strengthen their position in the job market, it is important to consider both academic and non-academic qualifications.

Financial Savvy for Women 101

Even in 2012, women have different financial needs than men. Here's what to know.

Top-paying part-time jobs

Find out how much these part-time jobs pay and how easy they are to get.

Bank of America may trim mortgage debt for some

Some underwater borrowers could see their mortgage balances reduced by an average of $100,000, thanks to an agreement between BofA and government officials.

3 ways banks are getting customers to spend

After failing to implement debit card fees, the major banks are increasing existing fees and finding craftier ways to increase revenue.

5 tips to cut wedding costs

Here are some tips to help you plan your wedding for a reasonable price.

The non-academic qualities job seekers need in 2012

With signs of an economic recovery becoming apparent, here are three crucial qualities that job seekers need.

$25B mortgage settlement may offer little help

Only 5 percent of underwater homeowners are likely to qualify for mortgage principal reductions under the recent $25 billion foreclosure abuses settlement.

4 basic facts to know about IRAs

Money in an IRA can work harder for you. Here's what you need to know first.

How to appeal a property tax assessment

One of the small comforts for homeowners whose property values have fallen is that property taxes usually go down as well. But you may have to appeal your assessment first.

How the credit CARD Act does not protect you

What to know about credit card debt protection policies -- and how to keep yourself safe.

Credit cards for kids

Giving your child a credit card can be an important lesson in money management.



5 expenses keeping you from retiring

Poor planning and the cost of raising children are just some of the expenses that could delay your retirement.

Should you roll over your 401(k)?

Before moving your retirement funds into another account, consider your options.

8 financial questions to ask before you say ‘I do'

Before you embark on a new relationship, or if you are seeking to make your partnership stronger, consider these eight questions couples should ask about love and debt.

10 steps to getting out of debt

Is your New Year's resolution to get out of debt already falling by the wayside? If so, try this 10-step process to resolve your money woes.

Will the $26B mortgage settlement help you?

Will you qualify for a piece of the $26 billion settlement to resolve claims against the nation's five largest mortgage lenders? Here are some of the details.

New HARP could help up to 6.7 million

Recent changes to HARP mean that some 6.7 million homeowners will be eligible to refinance their mortgage to a lower interest rate under the government-backed program.

How to regain your financial health after a disaster

Here are steps to take for financial recovery after health problems, fire or natural disaster.

The new Obama refinance plan

The White House has made available details of its newest proposal to help underwater homeowners refinance their mortgages to lower interest rates.

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