Hr1 - Even in this recession there are some great opportunities out there for you. Pay off ALL bad debt... This will help you survive. Why you should use a credit card as opposed to a debit card.

Hr2 - Arif responds to listener emails. A listener has been saddled with her daughters school loans. How do I get my daughter to pay for the loans I signed for?

Does money have feelings? Is it attached to emotions? How does a state pension system work?

See omnystudio.com/listener for privacy information.