Financial Nuggets

Credit Freeze You can only hope that corporations take better care of your private and confidential information (Dumped Mortgage Files Invite Identity Theft) but there are a couple of steps that you can take. One is preventive - freeze your credit report and the other is reactive - buy identity theft insurance.

"Credit freezes can help thwart identity thieves. Here's what to consider:
• Credit bureaus are making freezes easier and quicker.
• Some states are requiring bureaus to cut fees.
• Applying for a freeze can be cumbersome, and can put an end to instant credit approvals."
WSJ - More People Are Freezing Credit Reports

Speculating on Chinese Coal Chinese coal is hotter than the Chinese economy. Maybe. Analyst expectations are varied - 300% growth versus 22% reduction in price. Make your bet.

"Shares of China Shenhua Energy (1088.HK) have shot up as much as 115%, China Coal (1898.HK) has gained 96%, giving it a five-fold increase this year, and other regional coal stocks have nearly doubled."
Barrons - Chinese Coal Shares: Will They Cool Off?

Remember College Savings If you have been savings for your kids education - keep it up. If you have been dragging your feet - start now. Explore your options with 529 plans, Education IRAs etc. but start early. Explore options at Fool.com.

"Average tuition and fees at four-year public colleges rose 6.6% in the 2007-08 school year, outstripping increases in financial aid.

In-state students at four-year public schools are paying $6,185 this year, up $381 from last year... At four-year private colleges, tuition and fees rose 6.3%, to $23,712."
WSJ - College Expenses Outpace Financial Aid