Top The Early Show: Ray Martin Stories from CBSNews.comhttp://www.cbsnews.com/track/rss/sections/earlyshow/contributors/raymartin/main500200.shtml??source=RSS&en-us(c) MMVIII, CBS Interactive Inc. All Rights Reserved.Thu, 08 May 2008 11:03:12 EDT15http://www.cbsnews.com/track/rss/sections/earlyshow/contributors/raymartin/main500200.shtml??source=RSS&http://wwwimage.cbsnews.com/common/images/v2/logo_cbsnews_small.gif13623Thu, 08 May 2008 13:00:02 EDThttp://www.cbsnews.com/stories/2008/05/08/earlyshow/contributors/raymartin/main4079279.shtml?source=RSS&attr=_4079279It's for the better in some ways, but not others, says Early Show money maven Ray Martin, who offers guidance to students and parents.Mon, 28 Apr 2008 06:00:01 EDThttp://www.cbsnews.com/stories/2008/04/26/earlyshow/living/hittinghome/main4048051.shtml?source=RSS&attr=_4048051They're turning more and more to credit cards and home equity loans to get by, but Ray Martin pointed to the pitfalls of such strategies, on The Early Show.Sat, 26 Apr 2008 11:00:01 EDThttp://www.cbsnews.com/stories/2008/03/14/earlyshow/living/hittinghome/main3938484.shtml?source=RSS&attr=_3938484The Early Show calls on its resident financial adviser, Ray Martin, and other experts try to help desperate homeowners, in a special series.Thu, 13 Mar 2008 09:00:04 EDThttp://www.cbsnews.com/stories/2008/03/13/earlyshow/contributors/raymartin/main3933701.shtml?source=RSS&attr=_3933701The Early Show's resident financial adviser, Ray Martin, advises strongly against it.Wed, 27 Feb 2008 12:00:07 ESThttp://www.cbsnews.com/stories/2008/02/27/earlyshow/contributors/raymartin/main3882339.shtml?source=RSS&attr=_3882339Ray Martin says access to many credit lines is being cut, but affected homeowners have some options.Thu, 07 Feb 2008 13:30:03 ESThttp://www.cbsnews.com/stories/2008/02/07/earlyshow/contributors/raymartin/main3800803.shtml?source=RSS&attr=_3800803Early Show financial guru Ray Martin shared words to the wise on how to avoid getting taken when seeking help.Thu, 24 Jan 2008 14:00:04 ESThttp://www.cbsnews.com/stories/2008/01/24/earlyshow/contributors/raymartin/main3748217.shtml?source=RSS&attr=_3748217Ray Martin crunched the numbers for you, and with interest rates continuing to fall, he says you should definitely think about it, even if you refinanced only a few years ago.Tue, 22 Jan 2008 14:30:02 ESThttp://www.cbsnews.com/stories/2008/01/22/earlyshow/contributors/raymartin/main3735706.shtml?source=RSS&attr=_3735706The Early Show's resident financial adviser, Ray Martin, pointed to some.Wed, 16 Jan 2008 12:02:24 ESThttp://www.cbsnews.com/stories/2008/01/16/earlyshow/contributors/raymartin/main3719955.shtml?source=RSS&attr=_3719955The Early Show's money maven, Ray Martin, helps you prepare to weather the possible storm.Sat, 22 Dec 2007 08:30:03 ESThttp://www.cbsnews.com/stories/2007/12/21/earlyshow/contributors/raymartin/main3639008.shtml?source=RSS&attr=_3639008If you're giving a charitable financial gift this holiday season, there are some ways to get more bang for your buck. Ray Martin has some advice on the best way to give a gift and trim your tax burden at the same time.Fri, 21 Dec 2007 09:30:02 ESThttp://www.cbsnews.com/stories/2007/12/21/earlyshow/contributors/raymartin/main3638636.shtml?source=RSS&attr=_3638636Early Show financial adviser Ray Martin offers tips on the best ways to hold onto your money once you ring in the new year. Bottom line: a lot of little steps can really add up!Fri, 21 Dec 2007 07:30:03 ESThttp://www.cbsnews.com/stories/2007/12/20/earlyshow/contributors/raymartin/main3634934.shtml?source=RSS&attr=_3634934Ray Martin says there are much better vehicles than cash for kids -- and he spelled them out, on The Early Show.Thu, 06 Dec 2007 10:00:03 ESThttp://www.cbsnews.com/stories/2007/12/06/earlyshow/contributors/raymartin/main3582864.shtml?source=RSS&attr=_3582864Ray Martin takes an early look at the changes President Bush is expected to announce that are designed to help many homeowners in trouble.Thu, 08 Nov 2007 11:00:02 ESThttp://www.cbsnews.com/stories/2007/11/08/earlyshow/contributors/raymartin/main3472145.shtml?source=RSS&attr=_3472145Ray Martin says it could be an important gift you could give yourself for the holidays. He explained the ins and outs on The Early Show.Fri, 26 Oct 2007 05:30:02 EDThttp://www.cbsnews.com/stories/2007/10/25/earlyshow/contributors/raymartin/main3407242.shtml?source=RSS&attr=_3407242Ray Martin spells out what owners of homes damaged by wildfires, or any fire, should do.Sat, 20 Oct 2007 16:30:02 EDThttp://www.cbsnews.com/stories/2007/10/19/earlyshow/contributors/raymartin/main3386900.shtml?source=RSS&attr=_3386900As millions of American homeowners reel from spiraling mortgage payments, many municipalities are also raising property taxes. To prevent being squeezed, personal finance expert Ray Martin tells how they can save some money.Wed, 10 Oct 2007 10:00:03 EDThttp://www.cbsnews.com/stories/2007/10/10/earlyshow/contributors/raymartin/main3351756.shtml?source=RSS&attr=_3351756The Early Show financial guru Ray Martin explains how you can tell whether staying home is workable.Thu, 27 Sep 2007 12:00:06 EDThttp://www.cbsnews.com/stories/2007/09/27/earlyshow/contributors/raymartin/main3304538.shtml?source=RSS&attr=_3304538Both online and in-persson, they're not just for foreclosed homes or fixer-uppers anymore, as financial maven Ray Martin explained, on The Early Show.Fri, 14 Sep 2007 05:00:11 EDThttp://www.cbsnews.com/stories/2007/09/12/earlyshow/contributors/raymartin/main3253611.shtml?source=RSS&attr=_3253611If they're misused, cards could lead to big problems after graduation, warns The Early Show financial guru Ray Martin, who offers Credit Cards 101 to help students start down the right credit path. Parents should take note, too.Thu, 30 Aug 2007 12:30:05 EDThttp://www.cbsnews.com/stories/2007/08/30/earlyshow/contributors/raymartin/main3219850.shtml?source=RSS&attr=_3219850Early Show money maven Ray Martin tells how to enhance your chances of getting a loan to buy or refinance a home at a time when, as he puts it, the party's over, for lenders and borrowers alike.Wed, 15 Aug 2007 12:30:08 EDThttp://www.cbsnews.com/stories/2007/08/15/earlyshow/main3169387.shtml?source=RSS&attr=_3169387Financial adviser Ray Martin explains what it is, why it matters, how to see it for free, and how to improve it, on The Early Show.Sat, 11 Aug 2007 17:30:02 EDThttp://www.cbsnews.com/stories/2007/08/10/earlyshow/contributors/raymartin/main3156565.shtml?source=RSS&attr=_3156565Ray Martin reviews the new types of extended warranties and tells you whether they're worth considering the next time you buy a large appliance, or even a small one.Sat, 28 Jul 2007 17:00:04 EDThttp://www.cbsnews.com/stories/2007/07/26/earlyshow/contributors/raymartin/main3100203.shtml?source=RSS&attr=_3100203More and more people are deciding to lease their car instead of buying it. Ray Martin explains why this trend is happening, and weighs the pros and cons of leasing a vehicle rather than owning.Wed, 18 Jul 2007 13:30:04 EDThttp://www.cbsnews.com/stories/2007/07/18/earlyshow/contributors/raymartin/main3070240.shtml?source=RSS&attr=_3070240401(k) plans today are the main vehicle workers have to save for retirement. But these plans have had several disadvantages. Ray Martin gives advice on how to deal with your 401(k).Wed, 04 Jul 2007 13:30:00 EDThttp://www.cbsnews.com/stories/2007/07/03/earlyshow/contributors/raymartin/main3011762.shtml?source=RSS&attr=_3011762If a fire or other natural disaster strikes, chances are your rebuilding efforts may not be fully covered. Ray Martin explains how you can figure out if your home and its contents are underinsured and what to do about it.Thu, 21 Jun 2007 12:30:06 EDThttp://www.cbsnews.com/stories/2007/06/21/earlyshow/contributors/raymartin/main2961274.shtml?source=RSS&attr=_2961274Ray Martin explains how "short sales" work, and says they can be better than foreclosures for homeowners in trouble, and home buyers, alike.Wed, 20 Jun 2007 11:30:05 EDThttp://www.cbsnews.com/stories/2007/06/20/earlyshow/contributors/raymartin/main2954613.shtml?source=RSS&attr=_2954613The Early Show financial adviser Ray Martin points out mistakes to avoid. First and perhaps foremost " refusing to face facts: These are hard times for housing.Tue, 19 Jun 2007 11:30:09 EDThttp://www.cbsnews.com/stories/2007/06/19/earlyshow/contributors/raymartin/main2947487.shtml?source=RSS&attr=_2947487Ray Martin sheds light on the best ways to get the best deals, in the first of a three-part Early Show series on buying and selling homes.Sat, 16 Jun 2007 16:30:06 EDThttp://www.cbsnews.com/stories/2007/06/15/earlyshow/saturday/main2937597.shtml?source=RSS&attr=_2937597Americans will spend about $228 billion shopping online this year. But that increased use means increased risks, too. Ray Martin looks at the different forms of online payment.Thu, 07 Jun 2007 06:30:01 EDThttp://www.cbsnews.com/stories/2007/06/06/earlyshow/contributors/raymartin/main2893614.shtml?source=RSS&attr=_2893614What kinds of insurance are worth the cost? Besides the obvious " health, auto, life, homeowners " should you insure your baby? Your pet? Your trip? How about your wedding? Ray Martin offers his evaluation.Wed, 23 May 2007 12:00:08 EDThttp://www.cbsnews.com/stories/2007/05/23/earlyshow/contributors/raymartin/main2840817.shtml?source=RSS&attr=_2840817The Early Show Financial Adviser Ray Martin suggests do's and don'ts, as another graduating class enters the work force.Sat, 19 May 2007 15:30:02 EDThttp://www.cbsnews.com/stories/2007/05/18/earlyshow/contributors/raymartin/main2826135.shtml?source=RSS&attr=_2826135The decision parents make about giving their children an allowance can have important ramifications in how their kids view money. The Early Show financial guru Ray Martin tells you how to teach your children well.Thu, 10 May 2007 12:30:03 EDThttp://www.cbsnews.com/stories/2007/05/10/earlyshow/contributors/raymartin/main2785428.shtml?source=RSS&attr=_2785428The answer, which may surprise you, is not necessarily, according to The Early Show money maven Ray Martin, who explores the financial pros and cons.Sat, 21 Apr 2007 18:00:00 EDThttp://www.cbsnews.com/stories/2007/04/20/earlyshow/saturday/main2712204.shtml?source=RSS&attr=_2712204There's a way to make some extra money in a difficult home-selling market: Be your own broker. But as The Early Show correspondent Ray Martin tells us, there are some tricks of the trade you should know first.Thu, 12 Apr 2007 12:30:04 EDThttp://www.cbsnews.com/stories/2007/04/12/earlyshow/contributors/raymartin/main2676123.shtml?source=RSS&attr=_2676123The Early Show's resident financial guru, Ray Martin, has advice for all you procrastinators.Fri, 30 Mar 2007 11:00:05 EDThttp://www.cbsnews.com/stories/2007/03/30/earlyshow/contributors/raymartin/main2627705.shtml?source=RSS&attr=_2627705The Early Show resident financial adviser Ray Martin wraps up his three-part series on tax matters with suggestions on putting that refund to work for you.Thu, 29 Mar 2007 14:00:04 EDThttp://www.cbsnews.com/stories/2007/03/29/earlyshow/contributors/raymartin/main2622401.shtml?source=RSS&attr=_2622401The Early Show money maven Ray Martin has pointers on how to steer clear of that unwanted extra attention from the IRS, as he continues his three-part series filled with tax tips for you.Thu, 29 Mar 2007 13:00:02 EDThttp://www.cbsnews.com/stories/2007/03/28/earlyshow/contributors/raymartin/main2618044.shtml?source=RSS&attr=_2618044As April 15 approaches, The Early Show money maven Ray Martin points to tax breaks you can take advantage of in the first of a three-part series aimed at helping your bottom line.Fri, 16 Mar 2007 04:30:01 EDThttp://www.cbsnews.com/stories/2007/03/15/earlyshow/contributors/raymartin/main2573159.shtml?source=RSS&attr=_2573159Ray Martin explains what led to the surge in homeowners having trouble paying their mortgages, and how to handle the monthly challenge.Thu, 01 Mar 2007 03:56:21 ESThttp://www.cbsnews.com/stories/2007/02/28/earlyshow/contributors/raymartin/main2523399.shtml?source=RSS&attr=_2523399Many taxpayers do just that, by not itemizing deductions, according to money guru Ray Martin. On The Early Show, he looked at the deductions landscape with an eye toward getting you the most bang for your tax return efforts.Thu, 15 Feb 2007 11:00:08 ESThttp://www.cbsnews.com/stories/2007/02/15/earlyshow/contributors/raymartin/main2480667.shtml?source=RSS&attr=_2480667Money maven Ray Martin offered a guide to preparing the critical document, on The Early Show. Mistakes could cost your heirs, and result your in assets going to recipients you didn't want to benefit.Sat, 10 Feb 2007 18:30:04 ESThttp://www.cbsnews.com/stories/2007/02/10/earlyshow/contributors/raymartin/main2458080.shtml?source=RSS&attr=_2458080What's the fastest way to get the income tax refund that you have coming to you? Financial adviser Ray Martin visited The Saturday Early Show to explain the fastest method and to explain why it's his favorite.Wed, 31 Jan 2007 12:30:11 ESThttp://www.cbsnews.com/stories/2007/01/31/earlyshow/contributors/raymartin/main2416629.shtml?source=RSS&attr=_2416629Millions of credit and debit card users should be worried about more than their holiday bills. They should be checking for errors or fraudulent charges.Thu, 18 Jan 2007 14:30:03 ESThttp://www.cbsnews.com/stories/2007/01/18/earlyshow/contributors/raymartin/main2371150.shtml?source=RSS&attr=_2371150Ray Martin boils down the latest IRS rules that can help you make college's bite a little less painful for your pocketbook.Wed, 03 Jan 2007 14:00:04 ESThttp://www.cbsnews.com/stories/2007/01/03/earlyshow/contributors/raymartin/main2326853.shtml?source=RSS&attr=_2326853The Early Show financial guru Ray Martin tells how to go about getting your financial house in order and suggests seven goals to set.Wed, 27 Dec 2006 11:30:05 ESThttp://www.cbsnews.com/stories/2006/12/21/earlyshow/contributors/raymartin/main2287478.shtml?source=RSS&attr=_2287478Early Show financial adviser Ray Martin says there are some important steps to take before 2006 so you can save money on taxes. His strategies can be used by almost everyone.Wed, 06 Dec 2006 15:30:03 ESThttp://www.cbsnews.com/stories/2006/12/06/earlyshow/contributors/raymartin/main2233896.shtml?source=RSS&attr=_2233896Gift cards are easy gifts to give. They cut down on wrapping and free the giver of having to think to hard. But as The Early Show financial contributor Ray Martin writes, they are full of sneaky terms and conditions.Mon, 16 Jul 2007 15:23:14 EDThttp://www.cbsnews.com/stories/2006/11/22/holidays/giftguide/main2206436.shtml?source=RSS&attr=_2206436The Early Show financial expert Ray Martin says there are many ways to save money while shopping during holiday season. Among them: Shop after 6 p.m. on days of the big sale, and visit Web sites for coupons.Sat, 11 Nov 2006 09:30:06 ESThttp://www.cbsnews.com/stories/2006/11/11/earlyshow/saturday/main2174318.shtml?source=RSS&attr=_2174318You can still get ready for retirement, even if you've already hit 50. The Early Show's financial adviser Ray Martin tells you how in the final installment of his money-planning series.Fri, 10 Nov 2006 12:00:09 ESThttp://www.cbsnews.com/stories/2006/11/10/earlyshow/contributors/raymartin/main2170852.shtml?source=RSS&attr=_2170852When you're raising a family, you can be too busy paying all your bills to save for retirement. But, in part two of his series on retirement planning, Ray Martin explains why it's important for people in their 30s and 40s to do just that.Thu, 09 Nov 2006 14:30:10 ESThttp://www.cbsnews.com/stories/2006/11/09/earlyshow/contributors/raymartin/main2166888.shtml?source=RSS&attr=_2166888In the first of a three-part series on retirement planning, The Early Show financial guru Ray Martin says most young workers aren't nearly as focused on their golden years as they should be, and tells them how to get on course.Fri, 12 Jan 2007 12:32:16 ESThttp://www.cbsnews.com/stories/2006/10/26/business/realestate/main2126262.shtml?source=RSS&attr=_2126262Rising interest rates are putting the squeeze on many homeowners, who are seeing their resulting mortgage payments increase. Ray Martin has details and tips for homeowners in trouble.Wed, 11 Oct 2006 11:00:03 EDThttp://www.cbsnews.com/stories/2006/10/11/earlyshow/contributors/raymartin/main2080349.shtml?source=RSS&attr=_2080349The Early Show financial expert Ray Martin said more retired women than men become poor. In his column, he offers tips for older women to secure their standard of living.Thu, 28 Sep 2006 14:00:06 EDThttp://www.cbsnews.com/stories/2006/09/28/earlyshow/contributors/raymartin/main2048412.shtml?source=RSS&attr=_2048412More and more don't have it, but Early Show money maven Ray Martin says there are numerous options available for them to get it, and he suggests several possibilities.Fri, 12 Jan 2007 12:39:46 ESThttp://www.cbsnews.com/stories/2006/08/31/business/realestate/main1955124.shtml?source=RSS&attr=_1955124Nearly two out of every three American homes are underinsured as homeowners, on average, have only enough insurance to pay for 78 percent of costs to replace or rebuild.Wed, 16 Aug 2006 12:00:41 EDThttp://www.cbsnews.com/stories/2006/08/16/earlyshow/contributors/raymartin/main1898773.shtml?source=RSS&attr=_1898773It's important for children to learn how to save and spend money. These days, that goes beyond allowances and shoeboxes. Some big financial institutions have started reaching out to kids, as Ray Martin explains.Fri, 12 Jan 2007 12:40:12 ESThttp://www.cbsnews.com/stories/2006/08/02/business/realestate/main1858905.shtml?source=RSS&attr=_1858905Once a no-brainer, it might not be a wise investment at the moment, according to Ray Martin, who says changing economic conditions mean you may not make back the money you put into the project when you sell your home, let alone make even more.Fri, 12 Jan 2007 12:40:28 ESThttp://www.cbsnews.com/stories/2006/07/19/business/realestate/main1817429.shtml?source=RSS&attr=_1817429If you have an adjustable rate mortgage (ARM), you need to know your options, what to do and when to do it. Personal finance adviser Ray Martin is ready with some advice on The Early Show.Thu, 06 Jul 2006 10:30:22 EDThttp://www.cbsnews.com/stories/2006/07/06/earlyshow/contributors/raymartin/main1779882.shtml?source=RSS&attr=_1779882"CLUE," explains Ray Martin, is short for Comprehensive Loss Underwriting Exchange, a database that contains information for the industry's version of a credit report on you. It can make a big difference in what you pay for coverage.Wed, 21 Jun 2006 10:00:50 EDThttp://www.cbsnews.com/stories/2006/06/19/earlyshow/contributors/raymartin/main1729244.shtml?source=RSS&attr=_1729244Specific information and targeted ideas on how to grow your money is what financial consultant Ray Martin is bringing to The Early Show this time around. Let him help you with your finances.Wed, 07 Jun 2006 12:00:26 EDThttp://www.cbsnews.com/stories/2006/06/07/earlyshow/contributors/raymartin/main1690567.shtml?source=RSS&attr=_1690567July 1 is a critical deadline if you intend to cut the cost of such loans, according to The Early Show financial guru Ray Martin. Bottom line? Miss that date and pay lots more.Wed, 24 May 2006 15:06:03 EDThttp://www.cbsnews.com/stories/2006/05/24/earlyshow/contributors/raymartin/main1649688.shtml?source=RSS&attr=_1649688If you are close to retirement, it may be tempting to start tapping into Social Security at age 62. But as The Early Show's financial adviser Ray Martin explains, waiting may be well worth it.Wed, 10 May 2006 11:05:51 EDThttp://www.cbsnews.com/stories/2006/04/25/earlyshow/contributors/raymartin/main1545794.shtml?source=RSS&attr=_1545794Computer acting up? Microwave on the blink? Maybe you're wishing you had an extended warranty. Financial adviser Ray Martin looks at when it's worth the extra cost " and when it's not.Wed, 29 Mar 2006 10:35:15 ESThttp://www.cbsnews.com/stories/2006/03/28/earlyshow/contributors/raymartin/main1447200.shtml?source=RSS&attr=_1447200Paying for higher education is an enormous challenge for millions of Americans. One increasingly popular way to set aside tuition costs is through 529 plans, which offer considerable tax benefits. Ray Martin has a look at the options.Fri, 17 Mar 2006 12:04:58 ESThttp://www.cbsnews.com/stories/2006/03/17/earlyshow/contributors/raymartin/main1415226.shtml?source=RSS&attr=_1415226As retirement approaches, workers in their final earning years should be thinking about making the absolute most of their savings. Ray Martin explains how, in the last installment of his three part series.Fri, 17 Mar 2006 11:04:55 ESThttp://www.cbsnews.com/stories/2006/03/16/earlyshow/contributors/raymartin/main1409927.shtml?source=RSS&attr=_1409927Financial pressure builds quickly for people in their 40s and 50s, when mortgages and college tuitions start to feel overwhelming. In the second of his three part series, Ray Martin has tips on how to maximize savings during middle age.Wed, 15 Mar 2006 12:35:26 ESThttp://www.cbsnews.com/stories/2006/03/15/earlyshow/contributors/raymartin/main1405272.shtml?source=RSS&attr=_1405272Saving for retirement should be practically a lifelong project. Even workers in their 20s can " and should be " feathering their nests for the future. Financial adviser Ray Martin explains how, in the first of a three-part series.Wed, 01 Mar 2006 10:34:45 ESThttp://www.cbsnews.com/stories/2006/02/28/earlyshow/contributors/raymartin/main1355747.shtml?source=RSS&attr=_1355747If you're used to sending your tax returns by mail, it might be hard to get used to electronic filing. But welcome to the modern era. Financial adviser Ray Martin says e-filing can be both fast and efficient.Thu, 16 Feb 2006 11:49:41 ESThttp://www.cbsnews.com/stories/2006/02/16/earlyshow/contributors/raymartin/main1322801.shtml?source=RSS&attr=_1322801The wage gap is well known in America, but financial adviser Ray Martin says women are also saving less than men. He has suggestions on how that can change.Sat, 21 Jan 2006 22:34:08 ESThttp://www.cbsnews.com/stories/2006/01/18/earlyshow/contributors/raymartin/main1218766.shtml?source=RSS&attr=_1218766From saving for retirement to negotiating a raise, your mistakes can haunt you for a lifetime. The Early Show personal finance adviser Ray Martin lists the most common pitfalls and how to avoid them.Thu, 19 Jan 2006 15:34:10 ESThttp://www.cbsnews.com/stories/2006/01/19/earlyshow/contributors/raymartin/main1220382.shtml?source=RSS&attr=_1220382You know the old adage, if it seems too good to be true it probably is. That may be the case with those tempting "no money down" mortgages. The Early Show's personal finance advisor Ray Martin has important advice.Mon, 16 Jan 2006 02:58:41 ESThttp://www.cbsnews.com/stories/2006/01/13/earlyshow/saturday/main1208717.shtml?source=RSS&attr=_1208717As more companies freeze their pension plans, more workers will need to boost their savings to make up for any shortfall in expected retirement income. Personal finance adviser Ray Martin has the story.Fri, 06 Jan 2006 23:03:57 ESThttp://www.cbsnews.com/stories/2006/01/06/earlyshow/contributors/raymartin/main1184663.shtml?source=RSS&attr=_1184663In the new year, credit card companies are requiring higher minimum payments. Personal finance adviser Ray Martin has some good advice and he's dropped by The Saturday Early Show to share it.Fri, 12 Jan 2007 12:40:46 ESThttp://www.cbsnews.com/stories/2005/12/15/business/realestate/main1129437.shtml?source=RSS&attr=_1129437If you're buying a house for the first time, the process looks daunting. But address it one issue at a time, and get input from such people as The Early Show personal finance adviser Ray Martin, and it might be a little easier.Fri, 09 Dec 2005 11:33:32 ESThttp://www.cbsnews.com/stories/2005/12/06/earlyshow/contributors/raymartin/main1100527.shtml?source=RSS&attr=_1100527If you're having difficulty figuring out whom to tip and how, then personal finance adviser Ray Martin has a list of points to bear in mind when trying to do the right thing by the people who help you all year.Mon, 16 Jul 2007 14:14:36 EDThttp://www.cbsnews.com/stories/2005/11/23/holidays/giftguide/main1071743.shtml?source=RSS&attr=_1071743Love it or not, it's that time of the year again. If you're planning to cut down on holiday stress by buying gift cards for the people on your list, then The Early Show's Ray Martin has some pointers for you.Fri, 11 Nov 2005 17:00:04 ESThttp://www.cbsnews.com/stories/2005/11/11/earlyshow/contributors/raymartin/main1039871.shtml?source=RSS&attr=_1039871As the year comes to an end, financial adviser Ray Martin explains on The Saturday Early Show the moves you need to make as an employer, employee and investor to reduce your taxable income.Wed, 09 Nov 2005 10:32:15 ESThttp://www.cbsnews.com/stories/2005/11/07/earlyshow/contributors/raymartin/main1020305.shtml?source=RSS&attr=_1020305As interest rates rise, financial adviser Ray Martin has put together a "to do" list for keeping your mortgage rate down, and your savings rate up.Thu, 27 Oct 2005 11:30:05 EDThttp://www.cbsnews.com/stories/2005/10/26/earlyshow/contributors/raymartin/main981363.shtml?source=RSS&attr=_981363In the wake of natural disaster such as hurricanes, many people are filing an insurance claim for the first time. Before you tackle the task, have a look at some specific advice from The Early Show financial adviser Ray Martin.Wed, 12 Oct 2005 11:00:04 EDThttp://www.cbsnews.com/stories/2005/10/11/earlyshow/contributors/raymartin/main933832.shtml?source=RSS&attr=_933832The high cost of oil and gas is bound to fuel higher bills this winter. The Early Show financial adviser Ray Martin offers tips for saving money at home and on the road.Sat, 24 Sep 2005 15:30:06 EDThttp://www.cbsnews.com/stories/2005/09/24/earlyshow/saturday/main882448.shtml?source=RSS&attr=_882448The winds and rain of Hurricane Rita are likely to slow down the economy and push up heating costs, interest rates, construction costs and travel fares. Ray Martin has some tips for how to cope.Wed, 14 Sep 2005 13:00:04 EDThttp://www.cbsnews.com/stories/2005/09/14/earlyshow/series/main845019.shtml?source=RSS&attr=_845019Among the many problems faced by victims of Hurricane Katrina is that important papers may be gone. Ray Martin has advice on which ones to try to get first and how to do it. Also, his tips are useful for everyone, not just Katrina's displaced.Sun, 11 Sep 2005 16:30:03 EDThttp://www.cbsnews.com/stories/2005/09/11/earlyshow/contributors/raymartin/main832642.shtml?source=RSS&attr=_832642Financial adviser Ray Martin advises victims of Hurricane Katrina on how to stay afloat financially with the help of government resources and gives tips on how to prepare financially for an emergency situation.Fri, 09 Sep 2005 08:30:08 EDThttp://www.cbsnews.com/stories/2005/09/09/earlyshow/contributors/raymartin/main829104.shtml?source=RSS&attr=_829104Victims of Hurricane Katrina dealing with its emotional toll also have to face the financial consequences. In Part Two of the series, "Rebuilding Your Life," financial adviser Ray Martin has tips to help them regain control of their finances.Thu, 08 Sep 2005 16:00:04 EDThttp://www.cbsnews.com/stories/2005/09/08/earlyshow/contributors/raymartin/main824708.shtml?source=RSS&attr=_824708More than a week after the disaster, Hurricane Katrina survivors are starting to think of how to rebuild their lives. Financial adviser Ray Martin offers advice to help victims get back on their feet.Fri, 02 Sep 2005 14:00:06 EDThttp://www.cbsnews.com/stories/2005/09/02/earlyshow/contributors/raymartin/main812574.shtml?source=RSS&attr=_812574If you're lucky enough to have evacuated a Katrina-ravaged area and be in a position to read this, or if you have relatives or know people whose lives were uprooted by the storm, financial adviser Ray Martin has some words to the wise for you.Thu, 01 Sep 2005 11:00:04 EDThttp://www.cbsnews.com/stories/2005/08/31/earlyshow/contributors/raymartin/main808188.shtml?source=RSS&attr=_808188Many of those who have lost their homes to Hurricane Katrina are getting a crash course in the limits of homeowners insurance. Financial adviser Ray Martin drops by The Early Show Thursday with more.Mon, 22 Aug 2005 19:00:03 EDThttp://www.cbsnews.com/stories/2005/08/19/earlyshow/contributors/raymartin/main788713.shtml?source=RSS&attr=_788713If you own a home, chances are that sooner or later, you are going to consider filing a homeowner"s insurance claim. Before you do, take heed to some advice offered by The Saturday Early Show financial advisor Ray Martin.Wed, 17 Aug 2005 13:00:07 EDThttp://www.cbsnews.com/stories/2005/08/17/earlyshow/contributors/raymartin/main781958.shtml?source=RSS&attr=_781958While the cost of homes continues to rise, so does concern that a housing bubble is about to burst. The Early Show's Ray Martin helps determine whether it's the right time to buy or sell in your town.Thu, 04 Aug 2005 11:00:20 EDThttp://www.cbsnews.com/stories/2005/08/03/earlyshow/contributors/raymartin/main713676.shtml?source=RSS&attr=_713676If you're among the 60 percent of credit card holders who don't pay off their monthly balances, there's a change coming that's a big deal for you. The Early Show's personal finance adviser Ray Martin tells you how to handle it.Wed, 20 Jul 2005 10:00:11 EDThttp://www.cbsnews.com/stories/2005/07/07/earlyshow/contributors/raymartin/main707345.shtml?source=RSS&attr=_707345Yes, you can buy certain cars for the same price as the auto companies' employees. But The Early Show financial adviser Ray Martin can tell you the best way to approach it.Thu, 23 Jun 2005 09:28:58 EDThttp://www.cbsnews.com/stories/2005/06/22/earlyshow/contributors/raymartin/main703518.shtml?source=RSS&attr=_703518The roof over your head is a basic need. But is it always better to buy that roof rather than to rent it? Financial adviser Ray Martin, in his regular visit to The Early Show, fills us in on Thursday.Thu, 09 Jun 2005 19:30:26 EDThttp://www.cbsnews.com/stories/2005/06/08/earlyshow/contributors/raymartin/main700481.shtml?source=RSS&attr=_700481How do you keep the identity thieves from complicating your life? The Early Show financial adviser Ray Martin tells how to keep up with your credit reports and catch any dirty business before it gets too serious.Tue, 31 May 2005 11:30:09 EDThttp://www.cbsnews.com/stories/2005/05/31/earlyshow/contributors/raymartin/main698679.shtml?source=RSS&attr=_698679Interest-only mortgages offer lower initial payments than other loans, but payments leap after a few years, warns Ray Martin. And that could lead to many homeowners defaulting at once, resulting in a "serious" drop in home prices.Wed, 25 May 2005 11:00:06 EDThttp://www.cbsnews.com/stories/2005/05/23/earlyshow/contributors/raymartin/main697231.shtml?source=RSS&attr=_697231The fixed interest rate that applies to consolidation loans is set to rise this summer. Financial adviser Ray Martin visits The Early Show to talk about who should act now and explains how to consolidate.Thu, 12 May 2005 09:31:22 EDThttp://www.cbsnews.com/stories/2005/05/10/earlyshow/contributors/raymartin/main694164.shtml?source=RSS&attr=_694164Soon it will be the time of year when many people choose to move, and part of the planning includes the family finances. The Early Show financial adviser Ray Martin has put together some useful "to do" lists.Wed, 27 Apr 2005 10:30:14 EDThttp://www.cbsnews.com/stories/2005/04/25/earlyshow/contributors/raymartin/main690567.shtml?source=RSS&attr=_690567If you're considering your options in today's hot real estate market, then The Early Show's financial adviser, Ray Martin, has a few ideas that might help you reach some conclusions.Thu, 14 Apr 2005 10:00:04 EDThttp://www.cbsnews.com/stories/2005/04/12/earlyshow/contributors/raymartin/main687416.shtml?source=RSS&attr=_687416When you get a lot of money that you weren't expecting to get, it's great but it can be tricky, too. Financial adviser Ray Martin shares a little wisdom about how to handle it and drops by The Early Show Thursday.