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Gail MarksJarvis

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SPENDING SMART

Gregory Karp is a personal finance writer for The Morning Call, a Tribune Co. newspaper in Allentown, Pa.

GETTING STARTED

Carolyn Bigda writes the Getting Started column. E-mail her at yourmoney@tribune.com.

Tax scams: New spin on old tricks

What's worse than paying taxes?

THE JOURNEY

Janet Kidd Stewart if Your Money columnis.

Have a retirement question? Write to yourmoney@tribune.com, or via mail at Your Money, Chicago Tribune, Room 400, 435 N. Michigan Ave., Chicago, IL 60611. If your letter is selected, we may include you and your question in a future column.

Andrew Leckey: Target Corp. focusing more on prices

QI am surprised that discount chain Target Corp. hasn't done better in the economic downturn. What are your thoughts?

Time to assess risk, then re-enter investment pool

Think at least some of the dust has settled and you're ready to position your retirement portfolio for the future?

GAIL MARKJARVIS

Gail MarkJarvis is a financial columnist at the Chicago Tribune. E-mail her at gmarksjarvis@tribune.com.

College graduates facing tough job market should be flexible

Few things are more frustrating than a long job search. But for students finishing college this spring, the tough economy could delay not only a steady paycheck, but also the start of a much-anticipated career.

The week ahead

Tuesday

Thinking about lending money to a friend or relative?

With banks being so tightfisted these days, you might find friends or relatives falling on hard times and turning to you for a loan.

Target date funds took too many risks for near-retirees

The nation's experiment with simple 401(k) investing didn't turn out to be so simple after all, as millions of workers have lost large chunks of their life's savings when they can least afford it—on the verge of retirement.

In this economy, bankruptcy may be an answer for many

You can't make your mortgage payment. Or maybe you've lost your job and are faced with a mountain of credit card debt. Either way, you're a casualty in the nation's economic avalanche and you find yourself contemplating the last resort—bankruptcy.

Roth IRA a good choice if company ends 401(k) match

The steep decline in the stock market isn't the only hit to 401(k)'s. A growing number of employers are suspending matching contributions to workers' accounts as the recession drags on.

BP, other oil firms to take on added debt as revenues fall

QPlease comment on the prospects for stock of BP PLC. I did not envision its decline.

Need a game plan for 2009? Look to your tax return

Rather than merely something to be pushed aside as quickly as possible, your 2008 tax return should be the template for your 2009 financial game plan.

Big tax refund means you cheated yourself during the year

I'm amazed by the size of the refunds countless American taxpayers receive year after year. The average amount back to those receiving refunds was $2,429 last year, up from $2,324 in 2007, according to the Internal Revenue Service.

Inside look offers investing clues

The results were OK, but mutual fund manager Anthony Marchese wanted to see some money behind the promises.

Dividend cuts by corporate giants add insult to injury in bear market

For investors, one encouraging note in President Barack Obama's budget proposal was his commitment to retain most of the Bush administration's tax break on dividends.

Recession shows the power of saving—and the price of debt

The discounts and sales at the mall have been terrific. I needed new shirts and bought four at 60 percent off. I also replaced a worn-out pair of shoes and got a second pair at half price.

Predicting economic recovery timetable difficult

Providing investors with a signal as to when and how current economic and market problems will end is an inexact science.

Surviving layoffs may mean new job responsibilities

Congratulations--you dodged layoffs, at least this time around. So why is the boss at your elbow wanting to talk? Because the job you've kept may not be the same job you've been doing.

Microsoft faces prolonged slide on sales, profit

QI am disappointed with my Microsoft Corp. shares. What are the prospects?

If you see these red flags, beware

Given the unemployment rate, more workers are concerned about whether they could be the next one out of a job.

Thinking honestly about savings

It's time for an uncomfortable conversation about the facts of life.

International stock expectations remain cautious

What a difference a year makes.