With the new Xcel rate hike, are there programs available to help us with our utility bill?

I don't want to layoff valuable employees, so how can I cut costs in other ways?

Can a collection agency charge attorney's fees before the consumer's case has gone to court?

Is now a good time to get back into the financial markets?

Should I keep contributing to my 401K?

We keep hearing about housing prices being low. Is this a good time to buy, and with the "credit crisis" can you get a good Mortgage? - Ed, Denver