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    <title>iVillage - House Calls</title>
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    <id>tag:housecalls.ivillage.com,2007-11-30:/home//22</id>
    <updated>2009-11-20T23:24:35Z</updated>
    
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<entry>
    <title>Advent Calendar Anticipation</title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/advent-calendar-anticipation.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.92004</id>

    <published>2009-11-20T23:07:03Z</published>
    <updated>2009-11-20T23:24:35Z</updated>

    <summary>When I was a child, each year on December 1 my mom would post an advent calendar on the laundry room door. Each day from then until the 24th, my sister and I would pull open a little door on...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
    <category term="adventcalendar" label="advent calendar" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="christmasdecorating" label="christmas decorating" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="holidaydecorating" label="holiday decorating" scheme="http://www.sixapart.com/ns/types#tag" />
    
    <content type="html" xml:lang="en" xml:base="http://housecalls.ivillage.com/home/">
        <![CDATA[<span class="mt-enclosure mt-enclosure-image" style="display: inline;"><img alt="PB_calendar_350.jpg" src="http://housecalls.ivillage.com/home/PB_calendar_350.jpg" width="350" height="417" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></span>When I was a child, each year on December 1 my mom would post an advent calendar on the laundry room door. Each day from then until the 24th, my sister and I would pull open a little door on the calendar to see what was behind it. Some days it was a chocolate treat; others it was a little toy or sticker. Each day the anticipation grew as we inched ever so slowly closer to Christmas. I was reminded of that feeling when I was flipping through the Pottery Barn catalog the other day and I saw this gorgeous <a href="http://www.potterybarn.com/products/advent-calendar/" target="new">advent calendar</a>. It's a little on the expensive side at $149, but you can fill it with Christmas treats and reminders year after year. If it's a little out of your price range, here are a few more adorable options in a range of price points.
<br>
<br>
House Advent Calendar ($129, <a href="http://www.potterybarnkids.com/products/house-advent-calendar/?pkey=dchristmas-decor" target="new">PotteryBarnKids.com</a>)
<br>
<span class="mt-enclosure mt-enclosure-image" style="display: inline;"><img alt="pbk_calendar_350.jpg" src="http://housecalls.ivillage.com/home/pbk_calendar_350.jpg" width="350" height="350" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></span><br>
Christmas Courier Advent Calendar (on sale for $89.95, <a href="http://www.lenox.com/cat/index.cfm?fuseaction=prod&pid=16641&kf=4" target="new">Lenox.com</a>)
<br>
<span class="mt-enclosure mt-enclosure-image" style="display: inline;"><img alt="lenox-calendar_280.jpg" src="http://housecalls.ivillage.com/home/lenox-calendar_280.jpg" width="280" height="280" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></span><br>
Gingerbread House Advent Calendar ($24.99, <a href="http://www.target.com/Gingerbread-House-Advent-Calendar/dp/B002UM7SYW/sr=1-11/qid=1258755205/ref=sr_1_11/179-6226214-1499022?ie=UTF8&search-alias=tgt-index&frombrowse=0&index=target&rh=k%3Aadvent&page=1" target="new">Target.com</a>)
<br>
<span class="mt-enclosure mt-enclosure-image" style="display: inline;"><img alt="target_350.jpg" src="http://housecalls.ivillage.com/home/target_350.jpg" width="350" height="275" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></span><br>
At the North Pole Advent calendar ($13, <a href="http://www.galison.com/At-the-North-Pole-Advent-Calendar-P1702C391.aspx?UserID=10933070&SessionID=934GgOWmmKELErEhISGR" target="new">Galison.com</a>)
<br>
<span class="mt-enclosure mt-enclosure-image" style="display: inline;"><img alt="galison_calendar_300.jpg" src="http://housecalls.ivillage.com/home/galison_calendar_300.jpg" width="300" height="300" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></span><br>
<i>photos (top to bottom): courtesy of PotteryBarn.com, PotterybarnKids.com, Lenox.com, Target.com and Galison.com</i>
<br>

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    </content>
</entry>

<entry>
    <title>Choosing Retirement Accounts: 401(k), 403(b) or Roth IRA</title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/choosing-retirement-accounts-4.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.91774</id>

    <published>2009-11-19T22:10:41Z</published>
    <updated>2009-11-19T22:15:03Z</updated>

    <summary> Choosing where to invest your retirement savings is confusing enough, but when your employer starts throwing out terms like 401(k) and 403(b) it can difficult to know where to put your money. CNBC personal finance expert Carmen Wong Ulrich...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
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    <category term="401k" label="401k" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="403b" label="403(b)" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="carmenwongulrich" label="Carmen Wong Ulrich" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="cnbc" label="cnbc" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="retirementsavings" label="retirement savings" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="rothira" label="ROTH IRA" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="savingforretirement" label="saving for retirement" scheme="http://www.sixapart.com/ns/types#tag" />
    
    <content type="html" xml:lang="en" xml:base="http://housecalls.ivillage.com/home/">
        <![CDATA[<p>
Choosing where to invest your retirement savings is confusing enough, but when your employer starts throwing out terms like 401(k) and 403(b) it can difficult to know where to put your money. CNBC personal finance expert Carmen Wong Ulrich explains the differences between a 401(K), a 403(b) and a Roth IRA.
</p>
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<br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br>
<hr width="60%">
<p>&nbsp;Find more&nbsp;information on coping with the economy&nbsp;with our <a href="http://www.ivillage.com/0,,dlqcbzhr,00.html"><font color="#d63c00">Bail Yourself Out</font></a>&nbsp;resources. </p>
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    </content>
</entry>

<entry>
    <title>IKEA Black Friday Sale Preview</title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/ikea-black-friday-sale-preview.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.91754</id>

    <published>2009-11-19T21:09:41Z</published>
    <updated>2009-11-19T21:20:51Z</updated>

    <summary>Next Friday kicks of the official start of the holiday shopping season. Ah, Black Friday, the day everyone makes a mad dash for the mall. Ordinarily, I&apos;m content to wait out the rush and do my shopping in the following...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
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    <category term="holidayshopping" label="holiday shopping" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="ikea" label="IKEA" scheme="http://www.sixapart.com/ns/types#tag" />
    
    <content type="html" xml:lang="en" xml:base="http://housecalls.ivillage.com/home/">
        <![CDATA[Next Friday kicks of the official start of the holiday shopping season. Ah, Black Friday, the day everyone makes a mad dash for the mall. Ordinarily, I'm content to wait out the rush and do my shopping in the following weeks or, even better, online. This year though I might have to rethink this strategy. I just found a preview of some of IKEA's Black Friday sale items in my email box and, at these prices, they just might be cute enough to get me off my couch on the weekend after Thanksgiving.
<br><br>
Here's a sampling of what will be on sale:
<br><br>
<a href="http://www.ikea.com/us/en/catalog/products/30015123" target="new">SVALKA red wine glasses</a> ($1.99 for 6, reduced from $4.99)
<br><span class="mt-enclosure mt-enclosure-image" style="display: inline;"><img alt="Svalka_Ikea_blog.jpg" src="http://housecalls.ivillage.com/home/Svalka_Ikea_blog.jpg" width="450" height="450" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></span><br>
<a href="http://www.ikea.com/us/en/catalog/products/60129000" target="new">CHARMIG flatware</a> ($9.99 for 20 pieces, down from the usual $39.99)
<br><span class="mt-enclosure mt-enclosure-image" style="display: inline;"><img alt="charmig_ikea_blog.jpg" src="http://housecalls.ivillage.com/home/charmig_ikea_blog.jpg" width="450" height="450" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></span><br>
99 cents for a 3-roll pack of <a href="http://www.ikea.com/us/en/catalog/products/70147287" target="new">ONSKA gift wrap</a> or a 4-pack of <a href="http://www.ikea.com/us/en/catalog/products/50147293" target="new">ONSKA ribbons</a>
<br><span class="mt-enclosure mt-enclosure-image" style="display: inline;"><img alt="onska_ikea_blog.jpg" src="http://housecalls.ivillage.com/home/onska_ikea_blog.jpg" width="450" height="242" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></span><br>
<br>
See the rest of <a href="http://info.ikea-usa.com/seizethedays/" target="new">IKEA's Black Friday specials</a>.
<br>
<br>
<i>photos: courtesy of IKEA</i>]]>
        
    </content>
</entry>

<entry>
    <title>How Long Does Filing for Bankruptcy Take?</title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/how-long-does-filing-for-bankr.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.91614</id>

    <published>2009-11-18T20:41:33Z</published>
    <updated>2009-11-18T20:42:22Z</updated>

    <summary> Filing for Chapter 7 bankruptcy is just the first step in a long process. Once you&apos;ve filed you can be rejected or told to reapply under Chapter 13. To find out how long the process will take you, advises...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
    <category term="bankruptcy" label="bankruptcy" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="carmenwongulrich" label="Carmen Wong Ulrich" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="cnbc" label="cnbc" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="money" label="money" scheme="http://www.sixapart.com/ns/types#tag" />
    
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        <![CDATA[<p>
Filing for Chapter 7 bankruptcy is just the first step in a long process. Once you've filed you can be rejected or told to reapply under Chapter 13. To find out how long the process will take you, advises CNBC personal finance expert Carmen Wong Ulrich, consult a bankruptcy lawyer who'll look at your personal situation and give you an estimate.
</p>
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<br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br>
<hr width="60%">
<p>&nbsp;Find more&nbsp;information on coping with the economy&nbsp;with our <a href="http://www.ivillage.com/0,,dlqcbzhr,00.html"><font color="#d63c00">Bail Yourself Out</font></a>&nbsp;resources. </p>
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    </content>
</entry>

<entry>
    <title>The Holiday Lighting Hotline</title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/the-holiday-lighting-hotline.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.91604</id>

    <published>2009-11-18T20:21:03Z</published>
    <updated>2009-11-18T20:26:17Z</updated>

    <summary>Every year on the weekend after Thanksgiving, we pull out the Christmas lights and plug them in to see if they still work. Inevitably, there are strands that don&apos;t and&#8212;my personal favorite&#8212;strands where only half the bulbs light up. Then...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
    <category term="christmasdecorating" label="christmas decorating" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="christmaslights" label="christmas lights" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="holidaydecorating" label="holiday decorating" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="holidaylights" label="holiday lights" scheme="http://www.sixapart.com/ns/types#tag" />
    
    <content type="html" xml:lang="en" xml:base="http://housecalls.ivillage.com/home/">
        <![CDATA[<span class="mt-enclosure mt-enclosure-image" style="display: inline;"><img alt="lights_350.jpg" src="http://housecalls.ivillage.com/home/lights_350.jpg" width="350" height="263" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></span>Every year on the weekend after Thanksgiving, we pull out the Christmas lights and plug them in to see if they still work. Inevitably, there are strands that don't and&#8212;my personal favorite&#8212;strands where only half the bulbs light up. Then we spend the rest of the afternoon swapping out bulbs and looking for the problem, only to give up in utter frustration after a few hours or days and head to the store to buy yet another string of lights at an exorbitant price. 
<br>
<br>
But this year there's help for these holiday lighting dilemmas. When you discover one of these lighting emergencies, pick up your phone and call the Ulta Lit National Toll-Free Helpline at 1-888-Ulta Lit (888-858-2548). Beginning the day after Thanksgiving through Christmas Eve, a lighting expert will answer holiday lighting questions 7-days-a-week from 9 am to 5 pm (Central time). Ask them about your pre-lit trees, light strands for indoors and out, yard ornaments or lighted wreaths and take some of the stress out of decorating your home for the holidays.
<br>
<br>
<i>photo: r. mcvay/getty images</i>
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    </content>
</entry>

<entry>
    <title>Do You Really Need a Financial Advisor?</title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/do-you-really-need-a-financial.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.91394</id>

    <published>2009-11-17T23:31:55Z</published>
    <updated>2009-11-17T23:33:25Z</updated>

    <summary> Do you really need a financial advisor to help you manage your money? That depends on your financial situation, says Carmen Wong Ulrich. Before you pay someone to tell you how to allocate your money, look at where it...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
    <category term="carmenwongulrich" label="Carmen Wong Ulrich" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="cnbc" label="cnbc" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="debt" label="debt" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="emergencyfund" label="emergency fund" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="financialplanning" label="financial planning" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="money" label="money" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="savings" label="savings" scheme="http://www.sixapart.com/ns/types#tag" />
    
    <content type="html" xml:lang="en" xml:base="http://housecalls.ivillage.com/home/">
        <![CDATA[ <p>
Do you really need a financial advisor to help you manage your money? That depends on your financial situation, says Carmen Wong Ulrich. Before you pay someone to tell you how to allocate your money, look at where it all goes. Do you have enough in savings to cover all your living expenses for between 6 and 8 months? Are you debt free? If the answer to both of these questions is no, then Carmen recommends that you focus on saving more and paying down your debt. Watch the video to find out more about when you need to find a financial advisor.
</p>
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<br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br>
<hr width="60%">
<p>&nbsp;Find more&nbsp;information on coping with the economy&nbsp;with our <a href="http://www.ivillage.com/0,,dlqcbzhr,00.html"><font color="#d63c00">Bail Yourself Out</font></a>&nbsp;resources. </p>

]]>
        
    </content>
</entry>

<entry>
    <title>Writing a Will Online</title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/writing-a-will-online.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.91194</id>

    <published>2009-11-16T22:45:19Z</published>
    <updated>2009-11-16T22:46:09Z</updated>

    <summary> Are online will services a safe way to protect your assets after you&apos;re gone? If you shop around for the best price and check out the website carefully, getting a simple will drawn up online is an affordable alternative...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
    <category term="carmenwongulrich" label="Carmen Wong Ulrich" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="cnbc" label="cnbc" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="estateplanning" label="estate planning" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="money" label="money" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="wills" label="wills" scheme="http://www.sixapart.com/ns/types#tag" />
    
    <content type="html" xml:lang="en" xml:base="http://housecalls.ivillage.com/home/">
        <![CDATA[<p>
Are online will services a safe way to protect your assets after you're gone? If you shop around for the best price and check out the website carefully, getting a simple will drawn up online is an affordable alternative to consulting a lawyer, says CNBC personal finance expert Carmen Wong Ulrich. Watch the video to find out what to look for.
</p>
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<br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br>
<hr width="60%">
<p>&nbsp;Find more&nbsp;information on coping with the economy&nbsp;with our <a href="http://www.ivillage.com/0,,dlqcbzhr,00.html"><font color="#d63c00">Bail Yourself Out</font></a>&nbsp;resources. </p>
<br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br><br>
<hr width="60%">
<p>&nbsp;Find more&nbsp;information on coping with the economy&nbsp;with our <a href="http://www.ivillage.com/0,,dlqcbzhr,00.html"><font color="#d63c00">Bail Yourself Out</font></a>&nbsp;resources. </p>

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    </content>
</entry>

<entry>
    <title>Don&apos;t Toss the TV Out with the Trash</title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/dont-toss-the-tv-out-with-the.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.91184</id>

    <published>2009-11-16T22:06:30Z</published>
    <updated>2009-11-16T22:24:30Z</updated>

    <summary>For my husband&apos;s 40th birthday, our extended family all pitched in and got him the big flat-screen television that he&apos;s been craving. This, however, has left me with something of a dilemma&#8212;what to do with the old one. It&apos;s too...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
    <category term="electronics" label="electronics" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="gadgets" label="gadgets" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="green" label="green" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="recycle" label="recycle" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="television" label="television" scheme="http://www.sixapart.com/ns/types#tag" />
    
    <content type="html" xml:lang="en" xml:base="http://housecalls.ivillage.com/home/">
        <![CDATA[<span class="mt-enclosure mt-enclosure-image" style="display: inline;"><img alt="tv-blog.jpg" src="http://housecalls.ivillage.com/home/tv-blog.jpg" width="267" height="400" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></span>For my husband's 40th birthday, our extended family all pitched in and got him the big flat-screen television that he's been craving. This, however, has left me with something of a dilemma&#8212;what to do with the old one. It's too ancient for us to sell, but it still works so it just seems wrong to put it out with the trash. Even if I put it out at the curb, it's not like they'll take it away with the recycling. I know I'm not the only one asking this question. According to the Environmental Protection Agency (EPA), Americans discarded nearly 27 million televisions in 2007 and only about 6 million of those were recycled. It's a similar situation with old mobile phones, computers and other electronics. 
<br><br>
My first step in getting rid of this TV is to call around to local charities to see if they'll accept the donation. If that fails, there is another alternative. We can recycle it through the EPA's <a href="http://www.epa.gov/epawaste/partnerships/plugin/" target="new">Plug-In to eCycling</a> program. The EPA has partnered with <a href="http://www.epa.gov/epawaste/partnerships/plugin/partners.htm" target="new">25 different manufacturers, retailers and service providers</a>&#8212;including Best Buy, Dell, Sony and AT&T&#8212;to collect out-of-date gadgets. Best Buy even has a program that will give you a gift card for each product that you turn in at one of their stores or <a href="http://www.bestbuy.com/site/Electronics+Promotions/Online-Trade-In/pcmcat133600050011.c?id=pcmcat133600050011" target="new">on their website</a>.
<br><br>
Check the <a href="http://www.epa.gov/epawaste/partnerships/plugin/" target="new">Plug-In to eCycling</a> website for more information about how and where you can donate or recycle your old electronics or get a <a href="http://www.mrmrecycling.com/collection_map.htm" target="new">state-by-state listing of recycling locations</a> near you.
<br><br>
<i>photo: m. kemp/getty images</a>
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    </content>
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<entry>
    <title></title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/post.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.90504</id>

    <published>2009-11-14T16:10:45Z</published>
    <updated>2009-11-11T16:11:20Z</updated>

    <summary></summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
    
    <content type="html" xml:lang="en" xml:base="http://housecalls.ivillage.com/home/">
        <![CDATA[<a href="http://suffrage.nbcuni.com/giu/vote/ivillage" target=_blank"><img src="http://suffrage.nbcuni.com/giu/badge/ivillage"></a>
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</entry>

<entry>
    <title>How to Get the Best Price for Your Old Gold Jewelry</title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/how-to-get-the-best-price-for.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.90774</id>

    <published>2009-11-12T23:51:00Z</published>
    <updated>2009-11-13T00:00:01Z</updated>

    <summary> Gold prices hit a new high this week, so you may be thinking that now&apos;s the best time to sell some of that old jewelry that you never wear. But before you send your bracelets and necklaces off to...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
    <category term="carmenwongulrich" label="Carmen Wong Ulrich" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="cnbc" label="cnbc" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="gold" label="gold" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="money" label="money" scheme="http://www.sixapart.com/ns/types#tag" />
    
    <content type="html" xml:lang="en" xml:base="http://housecalls.ivillage.com/home/">
        <![CDATA[<p>
Gold prices hit a new high this week, so you may be thinking that now's the best time to sell some of that old jewelry that you never wear. But before you send your bracelets and necklaces off to an internet service, CNBC personal finance expert Carmen Wong Ulrich has some important advice. From working with a local reputable jeweler to shopping around, watch the video as she explains how to get the best price for your gold.
</p>
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<p>&nbsp;Find more&nbsp;information on coping with the economy&nbsp;with our <a href="http://www.ivillage.com/0,,dlqcbzhr,00.html"><font color="#d63c00">Bail Yourself Out</font></a>&nbsp;resources. </p>


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<entry>
    <title>Working with the IRS can Help You Owe Less</title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/working-with-the-irs-can-help.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.90014</id>

    <published>2009-11-06T17:56:39Z</published>
    <updated>2009-11-06T18:07:43Z</updated>

    <summary> If you&apos;re unable to pay your full tax bill, don&apos;t panic. Calling the IRS to work out a payment plan is your best option, says CNBC personal finance expert Carmen Wong Ulrich. You may find that the agency is...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
    <category term="carmenwongulrich" label="Carmen Wong Ulrich" scheme="http://www.sixapart.com/ns/types#tag" />
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    <category term="money" label="money" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="taxes" label="taxes" scheme="http://www.sixapart.com/ns/types#tag" />
    
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        <![CDATA[<p>
If you're unable to pay your full tax bill, don't panic. Calling the IRS to work out a payment plan is your best option, says CNBC personal finance expert Carmen Wong Ulrich. You may find that the agency is surprisingly willing to waive some of the penalties and fees and to work with you to arrange payments that you can afford. 
</p>
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<p>&nbsp;Find more&nbsp;information on coping with the economy&nbsp;with our <a href="http://www.ivillage.com/0,,dlqcbzhr,00.html"><font color="#d63c00">Bail Yourself Out</font></a>&nbsp;resources. </p>


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</entry>

<entry>
    <title>How to Decorate a Holiday Mantel </title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/its-getting-chilly-here-at.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.89854</id>

    <published>2009-11-06T00:02:56Z</published>
    <updated>2009-11-06T00:05:08Z</updated>

    <summary>It&apos;s getting chilly here at night now. In fact, the weatherman&apos;s forecasted the possibility of snow showers here tonight and, as a result, I&apos;m starting to think about roaring fires and cups of cocoa. Of course, my fireplace it doesn&apos;t...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
    <category term="christmasdecorating" label="christmas decorating" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="fireplace" label="fireplace" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="holidaydecorating" label="holiday decorating" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="mantel" label="mantel" scheme="http://www.sixapart.com/ns/types#tag" />
    
    <content type="html" xml:lang="en" xml:base="http://housecalls.ivillage.com/home/">
        <![CDATA[<span class="mt-enclosure mt-enclosure-image" style="display: inline;"><img alt="ornaments_blog.jpg" src="http://housecalls.ivillage.com/home/ornaments_blog.jpg" width="300" height="257" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></span>It's getting chilly here at night now. In fact, the weatherman's forecasted the possibility of snow showers here tonight and, as a result, I'm starting to think about roaring fires and cups of cocoa. Of course, my fireplace it doesn't exactly say "holiday spirit" right now. Fortunately, interior designer Elaine Griffin gave me some tips for making my mantel stand out this holiday season.
<br><br>
"Mantels become the instant focal point in any room that's lucky enough to have one," says Elaine, "so feel free to festoon yours festively for the holiday season." Her secret to setting a stunning surround for your fireplace? Layering. Think foreground, middle ground and background when you're arranging you display. Elaine favors cut branches and holiday ornaments in clear glass vessels or oversized bowls for a simple, modern look. Adorn any kind of branch with tree ornaments, tinsel and garland and you'll have a holiday mantel that looks as good as a Christmas card.
<br><br>
<i>photo: a. gault/getty mages</i>
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    </content>
</entry>

<entry>
    <title>Do You Really Need Life Insurance?</title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/do-you-really-need-life-insura.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.89634</id>

    <published>2009-11-04T20:22:49Z</published>
    <updated>2009-11-05T16:24:47Z</updated>

    <summary> Even if you don&apos;t have children, it&apos;s a good idea to have life insurance anytime someone else depends on your income or services for their livelihood, says CNBC personal finance expert Carmen Wong Ulrich. That means that you need...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
    <category term="carmenwongulrich" label="Carmen Wong Ulrich" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="cnbc" label="cnbc" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="lifeinsurance" label="life insurance" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="money" label="money" scheme="http://www.sixapart.com/ns/types#tag" />
    
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        <![CDATA[<p>
Even if you don't have children, it's a good idea to have life insurance anytime someone else depends on your income or services for their livelihood, says CNBC personal finance expert Carmen Wong Ulrich. That means that you need enough life insurance to cover the loss of your income as well as the cost of hiring someone to do everything that you currently do from cleaning and cooking to laundry and chauffeuring the kids to practice. Watch the video to find out more about how much life insurance you really need and which products are the best for you.
</p>
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<hr width="60%">
<p>&nbsp;Find more&nbsp;information on coping with the economy&nbsp;with our <a href="http://www.ivillage.com/0,,dlqcbzhr,00.html"><font color="#d63c00">Bail Yourself Out</font></a>&nbsp;resources. </p>

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</entry>

<entry>
    <title>You May Be Kitchen Obsessed If...</title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/you-may-be-kitchen-obsessed-if.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.89424</id>

    <published>2009-11-04T00:18:33Z</published>
    <updated>2009-11-04T00:22:42Z</updated>

    <summary>If you&apos;ve ever thought about renovating your kitchen, you know how easy it is to get overwhelmed with the many choices. But at what point is it time to step back so you can appreciate all your hard work? Some...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
    <category term="gardenweb" label="gardenweb" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="kitchen" label="kitchen" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="kitchenmakeover" label="kitchen makeover" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="kitchenremodeling" label="kitchen remodeling" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="kitchenrenovation" label="kitchen renovation" scheme="http://www.sixapart.com/ns/types#tag" />
    
    <content type="html" xml:lang="en" xml:base="http://housecalls.ivillage.com/home/">
        <![CDATA[<span class="mt-enclosure mt-enclosure-image" style="display: inline;"><img alt="kitchen_hood_blog.jpg" src="http://housecalls.ivillage.com/home/kitchen_hood_blog.jpg" width="300" height="400" class="mt-image-center" style="text-align: center; display: block; margin: 0 auto 20px;" /></span>If you've ever thought about renovating your kitchen, you know how easy it is to get overwhelmed with the many choices. But at what point is it time to step back so you can appreciate all your hard work? Some Gardenweb members are having a hard time getting their minds off their kitchens both pre- and post-makeover. They call themselves TKO&#8212;<a href="http://ths.gardenweb.com/forums/load/kitchbath/msg1005395913653.html?77">totally kitchen obsessed</a>. How do they know that they're kitchen addicts?
<br>
<br>
"There is a full scale model of your island hood made from cardboard hanging from your ceiling."&#8212;<i>bmorepanic</i>
<br>
<br>
"When you remodeled your kitchen 5 years ago and you still find yourself drawn to [the GardenWeb Kitchen Forum]."&#8212;<i>cheryl444</i>
<br>
<br>
"When you pay more attention to the kitchens in TV shows, movies and commercials than you do to the plot line or the product."&#8212;<i> lisa_a</i>
<br>
<br>
"When you discuss [your kitchen renovation] with your dog."&#8212;<i> desertsteph</i>
<br>
<br>
"When you go to a party and spend as much time mingling and chatting as you do thinking up renovation ideas for their kitchen [and] bathrooms in your head."&#8212;<i> cat_mom</i>
<br>
<br>
"When you've [mostly] finished your kitchen [renovation] so you start collecting pictures and ideas for your next kitchen."&#8212;<i> biochem101</i>
<br>
<br>
<i>photo: GardenWeb user <a href="http://ths.gardenweb.com/forums/load/kitchbath/msg1005395913653.html?77">lisa_a</a></i>
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    </content>
</entry>

<entry>
    <title>How to Fix Bad Credit</title>
    <link rel="alternate" type="text/html" href="http://housecalls.ivillage.com/home/archives/2009/11/how-to-fix-bad-credit.html" />
    <id>tag:housecalls.ivillage.com,2009:/home//22.89214</id>

    <published>2009-11-02T20:10:07Z</published>
    <updated>2009-11-02T20:13:02Z</updated>

    <summary>If you&apos;ve made some mistakes with your credit in the past, it can take a long time before your credit improves. There are things that you can do, though, to reestablish a healthy credit score. For starters, pay on time,...</summary>
    <author>
        <name>Michele Capozzoli</name>
        
    </author>
    
    <category term="carmenwongulrich" label="Carmen Wong Ulrich" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="cnbc" label="cnbc" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="credit" label="credit" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="creditreport" label="credit report" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="creditscore" label="credit score" scheme="http://www.sixapart.com/ns/types#tag" />
    <category term="debt" label="debt" scheme="http://www.sixapart.com/ns/types#tag" />
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        <![CDATA[<p>If you've made some mistakes with your credit in the past, it can take a long time before your credit improves. There are things that you can do, though, to reestablish a healthy credit score. For starters, pay on time, every time, says CNBC personal finance expert Carmen Wong Ulrich. And pay down your balances as soon as possible. Watch the video to see more things you can do to repair your credit report
</p>
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<p>&nbsp;Find more&nbsp;information on coping with the economy&nbsp;with our <a href="http://www.ivillage.com/0,,dlqcbzhr,00.html"><font color="#d63c00">Bail Yourself Out</font></a>&nbsp;resources. </p>
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