DEAR BRUCE: I need help. I am a 75-year-old widow with little income. My modest home is paid for. I have $40,000 in CDs, but interest rates are dropping to the point where I can't live on the small checks anymore. I have had several salesmen trying to sell me annuities, which will pay a higher interest rate, but are they safe? They are not federally insured. I hope you can help me. - Reader in ...

With credit crunch, location does matter (Courier-Post)
You've heard about how the credit crunch has made it harder for many types of buyers to afford a home or qualify for a mortgage.