Homeowners struggling with mortgage debt are looking for answers. This week, certified financial planner Pamela Christensen offers some advice. She's one of our three new "Ask the Experts" writers who offer free financial advice online at www.sacbee.com/ask.

Here are highlights of the Credit Card Accountability Responsibility and Disclosure Act of 2009:

Some call it California's cash advance. Effective today, the amount of state income taxes withheld from California workers' paychecks will increase 10 percent.

If you've got a credit card, you've likely been zinged already.

California's plan to implement a "cash for appliances" program with federal stimulus funds focuses on three meat-and-potatoes appliances used by millions of residents.

The recession has run a few drivers off the road, at least when it comes to keeping their auto insurance coverage.

Nothing like a Wall Street rally to pump up investors. Eager to recoup losses from last year's market plunge, many recession-battered consumers could be eyeing the Dow's recent recovery as a chance to dive back in.

Here's a sample of Web sites offering tips on how to steer clear of investment scams:

Contrary to popular wisdom, the typical victim of investment fraud is not a senior living alone or someone who's financially unsophisticated. According to two studies, the typical victim is:

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