Say no to tax-rebate gift cardsHand over your check to a retailer and you'll get a 10% bonus to spend. It's tempting. But wouldn't you rather buy your freedom than power tools or a few extra groceries?Foreclosure nearby? It's your problemThink the foreclosure crisis isn't your worry? Think again. If your neighbors lose their houses, you can expect more broken windows, drugs and crime.Should parents bail out their kids?They're always your children, even long after they're adults. Saying no might be one of the hardest things you could do -- and possibly the smartest.Will medical bills ruin retirement?Projections of how Americans will fare in retirement don't even include their huge health-care costs. The bottom line? You need to take action to cut your risks.
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