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Tuesday, May 21, 2013 | 4:32 a.m.

Personal Finance

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I-Team Investigation: Lottery Targets Retailers Who Steal Winning Tickets

Dayton -For some people working at Ohio Lottery outlets, the lure of easy money is too much to resist. In the last two years, 24 workers at gas stations and carryouts statewide have been caught stealing winning tickets from unsuspecting lottery players. The stolen prize money ranged from $5 to ...

What to do when you have to call in sick

The U.S. Center For Disease Control reports heavy flu activity around the country, with 29 pediatric deaths attributed to what doctors are calling a"severe" flu season. For workers who begin experiencing flu symptoms, the CDC advises staying home and not contaminating their colleagues. That seems like sound advice, but way too ...

Your home mortgage payment is likely the biggest monthly expense in your household. Use your income tax refund to make an extra payment, or two! Making one extra mortgage payment every year could reduce the lifetime of your loan by up to 5 years.

What is mortgage forgiveness?

The current housing market is full of foreclosed homes and properties that have plummeted in value. In fact, it has been reported that the real estate market has a negative equity gap of about $3.7 trillion, with millions of homeowners underwater on their mortgage loans. The good news is that ...

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Ask Jane: What happened to my Social Security tax cut?

Two years ago, the government cut the Social Security tax by 2 percentage points. It gave the average taxpayer around $1,000 more to spend, which helped the economy recover. You still get the tax cut on the returns you’re filing now, for 2012. Employees owe 4.2 percent of their wages up to ...

Free breakfast at Chick-fil-A (select locations) and lots of beauty items

There are some great freebies this week! If you live in D.C., VA, NC or CA you can grab a free breakfast. If you don't, there are tons of beauty freebies this time around! Gillette is giving away several different free full size products during the next 7 days, 5,000 ...

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Q&A: What are the basic steps to building a budget?

With the increase in social security taxes taking a bite out of everyone’s paycheck, most of us are reducing expenses and reworking our personal budgets. It’s tempting to begin scrimping on the necessities, but you must continue to allot enough money for the most important items in your budget – housing, ...

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Q&A: Should kids get credit cards for emergencies?

It depends on your child’s maturity level, but I do think it’s a good idea for an at least fairly responsible high schooler to have a credit card for emergencies. One of our biggest responsibilities as parents is to teach our children good money habits, and working with them on an ...

Consumer debt in the Dayton region is among lowest in U.S.

Consumers in the region have one of the lowest average debt burdens in the nation, and residents continue slowly to pay down their financial obligations, according to data from one of the largest credit-reporting agencies. Falling debt levels among consumers in the Dayton metro area may mean they have more ...

Freebie Corner: Free pizza at Sbarro & 1 yr. subscription to Ladies Home Journal

My favorite offer this week is the window cord retro safety kit. Just about everyone has blinds or shades of some kind in their home. This kit will help make the cords safer if children are near them and some of the available kits fix up to 4 windows. If ...

Freebie Corner: Birthday freebies, including a free Sprinkles cupcake

It's a new year and a great time for everyone to sign up for their birthday freebies! All you have to do is sign up for the offers that you like below. Sometime during your birthday month you'll receive an email with instructions on how to claim your freebie, you ...

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