What's your biggest money question?

I think the problem is one of timing. Back in 2007, it would probably have worked. But now we are in a period of time when credit card issuers are running scared. Prior to 2008, the focus was on getting & keeping customers. As recent as 2005 even cats and dogs could get cards. I myself have been successful in getting rid of Annual Fees with a phone call to the credit card issuer. But with the Credit crunch in full swing, the credit card companies are more concerned about safety than they are about keeping customers. Quite a few credit card holders are seeing their interest rates move up, even those with decent credit. Another tactic is to cut credit limits. That happened to one of my cards.

In the February 2009 issue was a article "Keep More of Your Cash!". The topic "Reduce your credit card interest rate" got my attention. I set aside time today to callmy credit card company and department store credit card companies. I ask to have my interest rate lowered based on my excellent payment history which did not work. I then did as the article suggested and explained that I would take my business elsewhere. What a waste of time. The credit card companies said we have no lower rates to offer at this time or your getting prime now. The department store said that is the lowest rate for department stores. I've seen this suggestion before and this time I decided to do it. This does not work. I am so disappointed. Also I will get rid of the department store cards.

There's not much you can do with your IRA, but you can self-direct your IRA. You need to set stoplosses and get out and stay out as long as the stoplosses keep getting hit. When the time comes to start buying again, there will be plenty of promising opportunities proving themselves. You just need to be observant to see them.

What should I be doing with my 401K and IRA right now? I keep hearing that I shouldn't touch my 401K allocations but it's now been steadily losing money for more than a year. Aren't there some small changes I can make?

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