Join the Do Not Call List

If you're a regular visitor to our web site or listener to our radio program, you know that we have strongly suggested you join the millions of other Americans who have put their names on the government's "do not call list." It's really easy and it's still not too late to do so.

Just call 888-382-1222 or go to www.donotcall.gov it only takes a minute.

It won't stop all unsolicited calls because the law exempts political organizations, nonprofits, survey takers and companies with which you have a relationship.

But this helpful government service is not free of scamsters. The FTC has received numerous complaints about shady individuals offering to help consumers register, for a fee, or asking to confirm a registration in order to gain access to personal information.

Be aware that the government doesn't allow private companies or third parties to register anyone on the "do not call" list.

Check out www.ftc.gov to learn more.

If you want to get smarter about everything-money, here's what we want you to do: Sign up for our FREE email tip-letter, Smart Money Moves with the Dolans. It's loaded with advice to make your life simpler and more rewarding - and it's FREE. Click here.

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Child Savings Accounts

When opening a savings account for your child, make sure their Social Security number is used as the account's tax identification number. That way, as long as your child is under age 14, interest earned will be taxed at your child's lower tax rate, not at your tax rate. This rule holds true as long as your child earns less than $1,300 a year in interest.

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