1. You need to pay yourself a salary.

2. Always have money in case of an emergency.

3. Always have a budget.

4. Paying your bills on time really does matter.

5. Remember the key financial equation.

via richcreditdebtloan

2: The way banks process checks and debit-card transactions can cost you big.

3: Once you turn 50, you can put away more pretax money for retirement than younger workers can.

4: If you didn't get a tax rebate this year, you might be able to claim it when you file your 2008 tax return.

5: Real estate isn't a very lucrative investment over the long run.

6: You can't just give away your money and then immediately ask Medicaid to pay for nursing home care.

7: Your best investment? Time

8: Grace periods on credit cards apply only to people who don't carry a balance.

9: You can find fascinating things in your mutual fund's prospectus.

10: Mortgage lenders will question a cash gift used for a down payment.

via usatoday