DETROIT'S BIG DOWNSIZING

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After the recession is over, crude prices will climb once more. Meanwhile, you can diversify your portfolio by buying some energy stocks or a small position in a natural-resources fund.

MONEY-SMART KIDS

Nervous about the stock market? Consider starting with a conservative investment or spreading out your contributions over time.

EDITORS' PICKS FROM KIPLINGER

Students who apply for multiple scholarships have a one in ten chance of winning a grant. These days, every little bit helps.

Don't expect a return of the 1930s. Instead, we'll see a recession similar to those in the 1970s and early 1980s.

Feeling generous but strapped for cash? Volunteer, donate an old cell phone or try one of these other no- or low-cash ways to give to charity.

Lower your IRS bill by taking losses to offset both capital gains and ordinary income taxes.

Smart shopping and spending advice to make the holidays more affordable and just as special.

Follow these tips so you won't pay more than you have to on the policy that's right for you.

See our new center for advice on teaching your children how to manage their money, what they need to know about credit and what you need to know about allowances.