Facing a Cash-Strapped Retirement
A reader named Doris writes, "Help, I'm about $30,000 in debt. I have about $50,000 in my retirement. I will be 59½ years old in January ... I don't know what to do and am at my wits' end." BankRate expert Steve Bucci dives in. Read More...

Mortgage Rates Drop to All-Time Low
Mortgage rates dropped to a historic low, but hardly anyone is getting a home loan. The benchmark 30-year fixed-rate mortgage fell 13 basis points, to 5.06 percent, according to the Bankrate.com national survey of large lenders. That's the lowest rate on the 30-year fixed in the 24-year history of Bankrate's weekly mortgage index. Read More...

Not Your Father's Post Office
Online bill pay, electronic deposits, flashy e-cards and inexpensive long-distance phone rates have all put the screws to the Postal Service, which now faces cutbacks and layoffs to keep its 34,000 post offices open and its fleet of 220,000 trucks rolling. Read More...