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 As the calendar winds down for 2010, it's time for you to consider any donations you want to make that can affect your 2010 taxes. Taxable donations are very important, because they can change what your final tax payment - or rebate - is, come April 15, 2011.
Some of the traditional ways to claim a tax rebate include a direct payment to a non profit organization or donating items you already own to a non profit.
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 (ARA) - Not everyone who relocates has the luxury of doing it when school is out and the yard looks beautiful. If you're forced to sell your house and/or buy a new one outside peak season, you might have to work a little harder and think creatively.
Anyone who has bought or sold a home has heard the standard advice: Find a good agent, be aware of local home values, fix up the house you're selling and research school districts and crime rates where you're buying.
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If you just moved, are a new driver, or are in need of a new mechanic, you have plenty of options. You have the independent mechanics with their smaller shops, and the large dealerships that handle a lot of cars every day. So which one makes sense for you and your vehicle?
Depending on the work you need completed, the time you have available and the service you would like to see, either option could be a great match. DoItYourself.com gives the following advantages to using either for your automobile maintenance:
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 (ARA) - Which is cheaper - a monthly car payment for a new vehicle that will almost certainly have lower maintenance and repair costs than an older car? Or keeping on top of regular maintenance and repair of an older car, and saving yourself the monthly car payment?
If the numbers are any clue, it would seem more Americans believe holding on to an older car costs less than paying for a new one. The average age of passenger cars is now more than 9 years, according to data from R.L. Polk. And the average price of a new car tops $28,000, according to the Federal Trade Commission. What's more, older cars depreciate less and often cost less to insure.
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When was the last time you drove a new car off a dealer's lot? Can't remember, huh? With many Americans cutting their budgets and waiting to replace their older cars, the average age of a car on the road is now about 9.4 years.
Since more people are opting to repair their old vehicles, car repair shops around the country are seeing a boost in business. Here are five things you should make sure the mechanic is watching to help prolong the life of your vehicle:
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 Credit is an important tool used to measure how responsible an individual is. Banking and lending institutions use your credit score to determine the level of risk associated with making funds available to you. There are several ways any individual can help, hurt and establish credit. Keep these things in mind when you attempt to improve your credit.
Helping your credit:
You can significantly improve your credit score by paying bills on time. One can even take advantage of automated bill pay services to ensure that the bills are being paid on time. Minimizing the level of debt you acquire is also helpful in boosting your numbers.
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The ring of the school bell signals a lot of things for your children, but it should also be a good reminder to you that you may need to review your insurance policies. One reason is that your family dynamics probably change during the school year - older children leaving the house for college, younger children starting school or your teenager getting her driver's license, for instance.
Because so many changes are happening, you should review all your insurance policies to make sure they're accurate to your current living situation. Even if your policy isn't due for renewal, the start of the school year is one of the best times to review them.
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 If there are old merchant cards and other credit cards taking up space in your wallet, you may be tempted to close those accounts, since you don't use them anymore. However, that would be a bad move for your credit score. Even though you're not using them, those old credit cards are helping your credit score in a number of ways.
To better illustrate how and why those unused credit cards help, it's good to know how your credit score is calculated. Here's the breakdown on how credit scores are calculated:
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When you start looking over the family finances, that moment rarely coincides with the months your insurance policies, cable or cell phone contracts are set to renew. In fact, you're more likely to make this financial review during times of the year when you need to budget for events - like Christmas, or when school tuition bills come due.
Trying to schedule a time to review your budget just doesn't work. But the good news is, reviewing and switching auto insurance policies is easier than you think. So if you're reviewing your family budget due to a job change, life change or even an automobile change, you can compare car insurance quotes at any time of the year - even if your policy hasn't come due.
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