You've heard the ads: call the credit fairy to fix your credit woes. The fairy will magically fix your late-fee problems and use her supernatural skills to get you lower credit card rates.

With one wave of her enchanted wand, she'll reduce your monthly payments, negotiate lower interest with your creditors, and take away the causes of your financial stress.

Do you believe in the Credit Card Fairy?

The Consumers Bankers Federation doesn't. Instead they've published free online step-by-step advice on how to handle credit issues and improve your credit scores.

Information Technology (IT) has become so integrated into business processes that the loss of hardware, software, or data can cost a lot of money to fix and even raise serious continuity issues.

Take a check around your business to make sure that you're protected against these common disasters.

The vast majority of investors should not abandon the equity markets, even if your gut is telling you to do just that, according to financial researcher Mark Riepe.

Over the long term equities have been the best defense against taxes and inflation, he says.

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