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Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.

If you've been looking for a smart and cost-effective way to borrow money lately, you've likely found yourself looking for longer than you wished. With interest rates on items like personal loans and ...

If you were looking to borrow a large amount of money from your home but had a variable rate product that could change each month, would it be worth doing? With your home serving as collateral, this ...