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From CNN and Money magazine, CNNMoney.com combines business news and in-depth market analysis with practical advice and answers to personal finance questions.

Relax - your pension is safe With the stock market cratering, and once-venerable financial institutions biting the dust, you might be wondering about the safety of your traditional pension plan. I've got some good news and some bad news. Where pros are putting their cash Money magazine asked several financial experts: What are you doing with your own portfolio in the wake of the financial crisis? Making money in this market? Here's how How bad is this bear market? Out of thousands of offerings, only one mutual fund focusing on U.S. stocks is up this year. You read that right - one! How to buy a car - even now Auto dealers are hungry for customers: Worried consumers are putting off buying big-ticket items, and buyers on the market are finding it harder to get a loan. So if your credit is solid, now is a great time to say, Let's make a deal. The hottest commodities you don't know As gold prices rocketed upwards in September, sophisticated commodities investors started looking at minor metals as potentially less volatile alternatives. Here's five hot rocks, and how to invest in them.

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Benefits of Negotiation

    * Avoid the embarrassment of bankruptcy and long term debt consolidation loans.
    * Reduce your personal, business and medical debt.
    * Our clients have saved thousands of dollars with our debt negotiation program.
    * One of the quickest and most sensible ways to reduce unsecured debt compared to other debt management options.
    * Helps to reduce annoying collection calls.
    * Credit Report analysis.

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