Go to virtually any other major city and enjoy rich cultural encounters with the locals on subways, crowded streets, and buses. But come to Los Angeles, and you get to sit in traffic. So how is it that if LA is so densely populated with vehicles and people w...

If you are among the majority who are not saving for emergencies first determine how you are spending. Go back through check stubs and credit card statements and determine how you are spending. Then look for areas where spending can be reduced. While energy costs are going up, you may be able to save some on your utility bills through conservation efforts. A combination of tax credits and fuel savings might make a new furnace a cost saver over the long term, provided it is significantly more efficient than your existing furnace.