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here. Straight talk from the money editor My grandma used to say: "If you don't ask, you don't get." Those words proved prophetic a few years ago when my daughter, Kaitlyn, was deciding which college to attend. She received several solid scholarship offers. That money, of course, was a factor in the decision process. Because of our family income level, I knew we wouldn't get any need-based financial aid. Goucher College offered Kaitlyn a $40,000 scholarship ($10,000 per year). While she had received other offers, Kaitlyn was very interested in Goucher. So, we rolled the dice and Kaitlyn e-mailed school officials to explain how much she wanted to attend but was also inquiring if they could do better with the offer. A week later, Goucher contacted us, upping the scholarship to $80,000. KA-CHING! My Italian grandma more than likely was smiling down on us. For more interesting stuff like this, follow me on Twitter @jimpavia. | | 'How I knocked $120,000 off our college tab' Richard Goldberg wasn't satisfied with the aid his daughter's college was offering. Here's how he got the school to sweeten the pot. | Three times when it's OK to borrow from your 401(k) Retirement plan savings are considered sacrosanct yet, in select cases, it may make sense to borrow from them. Here's how you can do it without messing up. | Savvy approaches to protecting retiree portfolios Financial advisors can help protect hard-earned retirement savings with an array of innovative approaches, from reverse mortgages to structured notes. | TAKE OUR POLL: Do you make minimum card payments? Not paying off credit card balances each month is a big mistake. Do you make only minimum payments to your credit cards? | Declaring war on financial abuse of older people Amy A. Lecoq shed her home-centered life to become an activist, traveling to lecture and testify about financial exploitation of older Americans. | Worried about retirement cash? Avoid rookie mistakes To make their money last, the newly retired should avoid making these three common errors. | Annuities: The good,the bad and the ugly Annuities often get a bad rap. Here's a primer on both the pros and cons of what can in fact be an effective retirement-income vehicle. | Trump's delay of this investor rule costs Americans $17 billion Postponement of the retirement-advice rule costs an estimated $17 billion a year, according to one tally. Here's what that money could otherwise buy. | Why millennials should not be afraid of credit cards Fear of falling into eternal debt keeps many young people from applying for credit cards, but properly managed, they are key to long-term financial health. | Cognitive clownshow "Can people truly be trusted to keep the infections of their biases away from their portfolio management? Not a chance ... " |  | Sharon Epperson | |  | Josh Brown | | | Feedback We value your input—use our simple form to let us know what you think. Click here for Real-Time data and top stories on your desktop or mobile device. |
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