Home & Family Finance

Save $9,242 Annually by Using Public Transit. Mantill Williams, director, advocacy communications, American Public Transportation Association 2. Does Your Credit Score Tell the Truth About You? John Ulzheimer, president, consumer education, Credit.com, and regular contributor to CNBC??s On the Money 3. Converting From a Traditional To a Roth IRA. Dennis Zuehlke, compliance manager, Ascensus IRA Services 4. Fair Debt Collection. Thomas Kane, senior attorney, Division of Financial Practices, Federal Trade Commission

AARP Tax-Aide: Tax Counseling for the Elderly. Bonnie Speedy, national director of AARP Tax-Aide and a vice president with AARP Foundation 2. 5 Things You Need to Know About the New Credit Card Rules That Start in February. Gerri Detweiler, credit expert and author, credit.com 3. Credit Card Connection: Finding the Best Credit Card for Your Needs. Ondine Irving, founder, Card Analysis Solutions and Credit Card Connection 4. Are You Ready for Change? (Getting a Handle on Your Finances) Susan Tiffany, director, consumer periodicals, Credit Union National Association

Check Your Financial Health & Other Timely Issues! 1. Earned Income Tax Credit: The IRS Says, "We're Gonna Give What You Deserve!" That is a GOOD thing! Eric L. Smith, national spokesman, Internal Revenue Service 2. Loan Modification Scams. Eileen Fitzgerald, COO, NeighborWorks America, Washington, DC 3. Mortgage Foreclosures: Who is to Blame; Who is Being Hurt; What is Being Done? Michael Calhoun, president and chief operating officer, Center for Responsible Lending, Durham, NC 4. Check Your Financial Health! Financially Speaking: Are You O.K? . . .Really? Pam Krueger, creator, executive producer and co-host, Public Broadcast System's MoneyTrack, and former stockbroker

CHILDREN??S SAVINGS ACCOUNTS ?? START ONE AT BIRTH! Reid Cramer, PhD, director of the Asset Building Program, New America Foundation, Washington, DC 2. FINANCIAL RESOLUTIONS FOR THE NEW DECADE. Madeleine Greene, accredited financial counselor, author, and retired tenured faculty, University of Maryland (Family and Consumer Science) 3. RED TO BLACK?? COLLEGE PEER-TO-PEER FINANCIAL PLANNING PROGRAM. Dottie Durband, PhD, associate professor, Personal Financial Planning, associate chair, Department of Applied & Professional Studies, director, Red to Black?? Program, Texas Tech University 4. RESOLVE TO DISSOLVE IDENTITY THEFT! Jay Foley, executive director, Identity Theft Resource Center 5. YOUR QUESTIONS ANSWERED: COBRA Health Coverage Extended; Freezing Credit; Nursing Home Medicare Coverage

CONVERTING TO A ROTH IRA. Mary Kay Foss, CPA and director - Greenstein, Rogoff, Olsen & Co. 2. YOU ARE HERE: EDUCATING KIDS ABOUT PRIVACY AND FRAUD. Jennifer Leach, consumer education specialist, Division of Consumer and Business Education, Federal Trade Commission (FTC) 3. THE 6-STEP DEBT DIET: TRIM YOUR POST-HOLIDAY HOLIDAY CARD FLAB. Andrew Housser, co-founder and co-CEO, Freedom Debt Relief 4. BE BOLD, THINK SMALL. (GETTING BIG THINGS DONE WITH SMALL STEPS) Susan Tiffany, director of consumer periodicals, Credit Union National Association 5. QUESTIONS AND ANSWERS FROM OUR LISTENERS. Guest Susan Tiffany joins host Paul Berry to answer your personal finance questions.

DEVELOP A NEW YEAR'S SPENDING PLAN. Cate Williams, vice president - financial literacy, Money Management International 2. KEY MONEY PROBLEMS FOR COLLEGE STUDENTS & YOUNG GEN Y-ERS: HOW FAMILY CAN HELP. Paul Goebel, director, Student Money Management Center, University of North Texas 3. THE "STEP-DOWN PRINCIPLE" OF REDUCING EXPENSES. Alena Johnson, accredited financial counselor, teacher - Utah State University (family finance, financial counseling, and balancing work and family) and co-director of USU's financial counseling center4. CHARITABLE GIVING: CHECKING UP ON CHARITIES. Samantha Paxson, vice president, marketing, CO-OP Financial Services 5. QUESTIONS & ANSWERS

AVOID THE "JANUARY DEBT HANGOVER" Adam Levin, chairman and founder, Credit.com2010 ECONOMIC FORECAST. Mike Schenk, vice president economics and statistics, Credit Union National Association, Madison, Wisc.STOPPING OVERSPENDING. April Benson, PhD, psychologist, New York

IT'S A WRAP! DO-IT-YOURSELF CHEAP, YET CHIC, HOLIDAY GIFT WRAPPING. Sue Perry, deputy editor, ShopSmart, from the publisher of Consumer Reports2. HOMEOWNERS 60% MORE LIKELY TO AVOID FORECLOSURE WITH FORECLOSURE COUNSELING. Eileen Fitzgerald, COO, NeighborWorks America3. AMERICAN RECOVERY AND REINVESTMENT ACT EXPANDED DOD HOMEOWNER’S ASSISTANCE PROGRAM - AN UPDATE. Joseph Sikes, director for housing and competitive sourcing, office of the deputy under secretary of defense for installations and environment, the Pentagon 4. 5 QUESTIONS TO ASK BEFORE DONATING TO A CHARITY. Bennett Weiner, CEO, Council of Better Business Bureaus Wise Giving Alliance

"FREE LUNCH" FINANCIAL FRAUD TARGETS ELDERLY. Brian Bullock, financial security expert for AARP and head of the national Free Lunch Monitor Program, AARP 2. HOME FORECLOSURES CONTINUE TO SOAR: WHAT TO DO IF YOU ARE AT RISK. Gerri Detweiler, national personal finance expert and co-author of Debt Collection Answers 3. SURVEY SHOWS CONSUMERS MISUNDERSTAND GIFT CARDS. Elisabeth Owen, president, National Association of Consumer Agency Administrators 4. CAPTURE THE SPIRIT OF THE HOLIDAYS WITH LITTLE OR NO CASH. Karen Mc Call, founder and CEO, Financial Recovery Institute 5. FREE HOLIDAY PLANNER HELPS BUDGET, TRACK AND ADJUST SPENDING. Karen Mc Call, founder and CEO, Financial Recovery Institute

YOUR IDENTITY IS NOT FOR SALE ON BLACK FRIDAY OR CYBER MONDAY. Scott Stevenson, founder and CEO, Eliminate ID Theft2. YOUR INCOME TAXES: WHAT TO DO BEFORE DECEMBER 31ST. Ethan Ewing, president, Bills.com, San Mateo, Calif.3. WHAT YOU SHOULD KNOW ABOUT INTERCHANGE. Caroline Lane, senior vice president, business development and marketing, CO-OP Financial Services, Rancho Cucamonga, Calif.4. FEDERAL TRADE COMMISSION PROPOSES REFORM OF DEBT SETTLEMENT INDUSTRY: HOW REFORM WILL HELP YOU. Michael Bovee, founder and president, Consumer Recovery Network, Sandpoint, ID5. Q & A: credit card verification codes; be a better on line coupon clipper; and trim your utility bill

2009 INCOME TAX CREDITS FOR ENERGY EFFICIENT HOME IMPROVEMENTS. Ronnie Kweller, director of media relations, Alliance to Save Energy2. IRS TAX TIPS ON DEDUCTIONS AND CREDITS NEW THIS YEAR. Eric Smith, national spokesman, Internal Revenue Service 3. SPENDING GREEN WITHOUT GOING IN THE RED THIS HOLIDAY SEASON. Ethan Ewing, president, Bills.com4. WHAT CONSUMER REPORTS KNOWS ABOUT THIS HOLIDAY SHOPPING SEASON THAT YOU DON??T??BUT SHOULD. Ed Farrell, director of market research, Consumers Union 5.Q & A: BUDGET YOUR WAY OUT OF DEBT; AND APPLYING FOR FEDERAL STUDENT FINANCIAL AID WITH FAFSA

Home & Family Finance, presented by America's credit unions, is a weekly one-hour radio show hosted by veteran television anchor and radio host Paul Berry. The program offers consumer finance information and advice to a general audience.

CUT THE COST OF PURCHASES WITH SERGEANT SHOPPER, a.k.a. Karen Jowers, staff writer, Military TimesU.S. BETTER BUSINESS MILITARY LINE - WHAT'S IT HAVE FOR YOU? Holly Petraeus, director, BBB Military LineVETERANS' BENEFITS. Keith Pedigo, associate deputy undersecretary for policy and program management, Department of Veterans AffairsNAVIGATING THE VETERANS BENEFITS MAZE. Shad Meshad, founder and president, National Veterans Foundation

CAN'T MAKE YOUR CAR PAYMENTS? FIVE TIPS TO KEEP YOUR WHEELS. Eric Hoffman, spokesman, AWARE (Americans Well-informed on Automobile Retailing Economics)TELLING YOUR FAMILY WHO GETS WHAT (& WHY) BEFORE YOU DIE. Tech tools help get the job done. Eric Aanes, founder and president, Titus Wealth ManagementFINANCIAL FITNESS: MORE THAN A GOOD CREDIT SCORE. Brad Stroh, co-founder, CEO, Bills.com10 TECHNIQUES TO MANAGE YOUR PERSONAL COST OF LIVING. Kathy Kristof, senior writer, Los Angeles Times & author of "Investing 101"

IRS Extends Deadline to Roll Over 2009 Required Minimum Distributions for IRAs. Dennis Zuelhke, Ascensus IRA Services 2. Home Heating This Winter: Temperatures, Fuel Costs & Tips. Ronnie Kweller, deputy director of communications, Alliance to Save Energy 3. Your Credit Report Card: Do You Make the Grade? New Online Tool! John Ulzheimer, president of consumer education, Credit.com and contributor to CNBC's One the Money 4. Tips for Happy Holidays without the Financial Headache. Michael Gutter, PhD, assistant professor and family financial management specialist, University of Florida 5. Q & A: Annuities as a retirement funding strategy; need help paying bills -- do you have to give power of attorney; increase insurance coverage when remodeling; paying bills on the web -- pay each company or pay from your financial institution or consolidated service?