Homeowners trying to avoid foreclosure should brace for lengthy delays, busy signals and copious paperwork. See rates from our national survey of mortgages, home equity products, auto loans, credit cards and CDs. Two heads are not much better than one when couples make these all-too-common money missteps. Sleazy con artists are more than a nuisance -- they cost businesses, government and consumers $45 billion a year. Security and better-than-expected pay make public service a promising career, but is the bureaucracy worth it? These services can make the car shopping experience less of a hassle. But will they get you a bargain?

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