Economic upheavals punctuate history. Confucius' observation, "He who does not economize will have to agonize," is as applicable today as it was in 500 B.C.

"Gotcha Capitalism" by Bob Sullivan reveals how consumers can detect and avoid hidden fees on cell phones, bank cards, gift cards and credit cards. He discusses the best approaches to get a refund, negotiate a lower interest rate and get a manager on the phone when stonewalled by customer service. The consumer advocacy groups listed are a great resource for resolving problems.

If you are feeling overwhelmed by finances and debt, Nolo Press' legal companion titled "Solve Your Money Troubles" is an invaluable guide to your rights and responsibilities under the law. Packed with practical information and written by lawyers, it covers myriad topics from repairing your credit and improving your credit score to renegotiating your debt and regaining financial freedom Read Full Article...

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