Taking advan- tage of lower interest rates

Can you negotiate a lower interest rate? You can often get your credit card interest rate lowered with just one phone call. Bankrate (www·bankrate·com) and Fiscal Agents (www·fiscalagents·com/learningcentre/credittips·shtml).

Determining your financial health

Do you know where you're spending your money? BYG Publish- ing (www·pygpub·com/fnance/cashflowcalc·htm)·

Managing your money

Are you tracking income and expenses by banking and paying bills online? MsMoney.com (www·msmoney·com) and Spending Profile (www·spendingprofile·com)·

Protecting your assets

Do you have enough insurance? InsWeb (www·insweb·com), Ensurance.com (www·ensure·com), and Progressive (www·progressive·com).

Planning for retirement

Do you know how much to expect in Social Security benefits? Social Security Administration (www·ssa·gov/planners/calculators·htm).

Rebuilding your nest egg

Do you know how much you'll need to live on when you retire? Yahoo! Finance (http://finance·yahoo·com/ how-to-guide/retirement/18303) and MainStreet. com (http://mainstreet·com/beginning-your-retirement).

Investing in your future

Does your employer match your contribution to your retire- ment fund? How do you plan to invest the money? 401k. com (http://401k·fidelity·com/public/content/401k/Tools/ContributionCalc) and Kathleen Sindell's Online Investment Program (www· kathleensindell·com/twelve_point_investing_program.htm). Or purchase Investing Online For Dummies, 6th Edition, by Matt Krantz (Wiley)

The continuation/full version of this article read on site www.cassiie.com - Managing Your Money All-in-One For Dummies