Suze Orman, financial adviser...

is giving away a free download of her book. Go to Oprah's web site and download, "Women and Money," free until tomorrow at 5:00. I love anything about her and thought I'd share this! Free stuff is also good!

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Neither would I. I'm in with the pay the house off contingent. My feeling is if your house is paid off and something happens and you lose your job, you never have to worry about your mortgage being late or something happening that would mean you lose the house. I want that security for myself.

To refi just for the sake of having $$ in the bank is self defeating. You won't earn interest on it to make up for the interest that you're paying and the deduction you get on your taxes also won't off set the interest that you're paying. It's a lose/lose proposition. If you can refi the same amount that you still owe down to a lower interest rate and possibly down to a shorter term, that would be something that would make sense. My sis just took 10 years off of her mortgage with a lower interest rate and her payment only went up by $8 a month.

Now, if you're going to refi and take some $$ out to do home improvements that will increase that value of the house, that's another thing. Again, though, you have to consider the long term effect and how are you going to handle those additional payments for the next 5 to 10 to 15 years of the loan term.

When you say you backed them financially, are you a part of the organization's structure, or are you basically doing it as a donation? I could be really wrong, so you definitely need to check with the IRS, but I think to be able to deduct those expenses, you either need to be part of the organization's corporate structure or the organization needs to be a 501 non profit.

head on your shoulders. Your little one is lucky to have you. I don't wish ill on anyone and hope I didn't come across as sounding as though single parents don't deserve the EIC. They certainly do. Public assistance is another story though and that's why I distinguished between the 2 in my statement. Too many get it that shouldn't.

It's not stressful to have the savings; for me, it's stressful getting it in there. We also do a lot of pre-tax savings, but I still like a refund. Thanks for the well wishes. We're hoping to start rebuilding this month. Houses cost a lot more now to build than they did 10 years ago and we've got 2 kids more than we had then, too.

Like many, we are really suffering. My husband's employer filed Chapter 11. He kept his job, but his salary has been cut in half.

I have been out of work and looking for months, though I do get a few hundred dollars every month. All that goes toward our household expenses.

We are so far behind in our rent that the landlord's kindness is all that stands between us and eviction, but it's coming.

I know the only solution is more income. My husband WAS persuaded that he would have to find a second job, then I had two interviews. He felt optimistic that I would get on or the other, but I didn't.

Now he says he shouldn't have to get a second job if I don't have one. I understand how unfair that must feel, but his job hasn't paid our rent for nine weeks. Fair seems kind of beside the point.

In previous relationships I've gone through hard financial times, and the men really rose to the occasion. I don't know what to do. My husband plays video games several hours a day while we are going under.

We could have eviction filed on us within two weeks and I'm scared to death. I haven't even been able to get a minimum wages job. I feel that he's just going to ride it down and live in his car.

What should I do? What should I say to him?