Refinancing mortgage often smart even if you have to pay

(USATODAY.com)-- At the height of the housing boom, refinancing was doubly rewarding: You could lower your monthly payment and extract some cash to spiff up the kitchen.

With mortage rates at record lows, refinancing still offers the promise of lower monthly payments. But forget about that Sub-Zero refrigerator. Instead of taking cash out, you may have to pay cash upfront when you refinance.

'Liar Loans' to Save the Day?

Could one small lie save a big economy?

Read Ann Brenoff's latest article and let us know what you think.

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Plastic Making Online Banking More Secure?

Despite the best efforts of banks and security experts, Internet fraud continues to cost consumers millions of dollars every year. But a new credit card sized piece of plastic has the potential to stop one of the most popular forms of online fraud; fooling consumers or their banks into handing over information that can be used to empty accounts...

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