Best of the web: Articles from MyMoneyCircles experts

This is a short sample of articles to give you a flavor for the points of view and advice from our team of experts. The benefit of registering for MyMoneyCircles boot camp is that you will be absorbing this advice in a structured, step-by-step way, and will get access to easy-to-use tools so you can put this advice into practice.

Keith Gumbinger, Vice President, HSH.com

Keith is an expert in mortgages and mortgage markets.

What moves mortgage rates?

Looking to apply for a mortgage or refinance? Understanding how mortgage rates fluctuate will help you know when to lock your rate.

ARMs: Hows, Whos and Whys - What You Need to Know About Adjustable Rate Mortgages

ARMs were blamed for some of the housing mess, but if you know what you're getting into, it could be a good mortgage product.

5 reasons why people don't refinance

It may surprise you that there are still many borrowers out there who haven't refinanced. Here are five reasons why.

5 considerations when refinancing your mortgage

Answer these questions to see if refinancing is a good option for you.

Smoothing your mortgage refinance

Refinancing? Are your documents in order? Make the process smoother by preparing yourself in advance.

Richard Barrington, CFA, Senior Financial Analyst, MoneyRates.com

Richard is a personal banking and savings expert.

What kind of saver are you? 8 different types of people who accumulate money

From the paper-clip saver to the gambler, there are all kinds of behavior to save money. Which type are you?

The retirement savings crapshoot: 5 ways to improve your odds

While retirement saving is not a sure thing, it doesn't have to be a total crapshoot. Here are five things you can do to improve your odds.

5 ways to improve your budget in 2012

Frugal is still chic and is one way to help your budget in the coming year.

Tax strategies for a poor investment year

If you're an investor looking to make the best of a bad year, here is two tax strategies that can help you find a silver lining.

Amy Danise, Senior Managing Editor, Insure.com

Amy is an expert on insurance topics, including auto, home and life policies.

10 ways to save money on life insurance

Knowing the ins and outs of life insurance can help you save money while still providing the right coverage.

The most expensive medical conditions for life insurance shoppers

Medical problems that affect how long you're live are the most expensive to insure. Which ones are they?

5 claims insurance companies want you to make

There are cases in which an insurer is probably happy about your claim. How can this be? Here are five examples.

The least expensive 2011 hybrids to insure

If you're looking to save money on gas and auto insurance this year, your best bet is… one of these cars.

Luke Landes, Editor and Founder, ConsumerismCommentary.com

Luke is a personal finance expert and widely read blogger.

Three aspects of your finances you can control

To reach your life goals, you need to tame your debt and prepare yourself for the right job.

Take control of your finances, Part 1: Decide to take action

Many people don't reach a turning point in their financial lives until they hit "rock bottom." Here's why you should act now.

Take control of your finances, Part 2: Track your money

You can't improve your financial situation unless you know where your money is spent. Here's how to track every penny -- and why you should.

10 steps to break the credit card habit

Following these steps can help you manage your credit cards and not have them manage you.

Paying off debt: 6 steps to building a better snowball

Many people have used Dave Ramsey's "Debt Snowball" method to get out of debt. We ramp it up to the "debt avalanche."

Ellen Cannon, Editorial Director, Financial Services, QuinStreet

Ellen is a personal finance, credit cards and mortgage expert.

Fed up with fees? Five steps to switch your bank

Many people think switching banks is not worth the hassle. Follow these five steps to move your money a better bank for you.

What's new for credit cards in 2012?

If 2011 wasn't your year for credit, 2012 might be better. Three experts discuss trends including more card offers for those with lower credit scores.

Uncle Sam's got your back: 7 sites for credit card help

These government websites are packed with good information to help you manage your credit cards.

Inside the life of Centurion cardholder Taysha Valez

The American Express Centurion -- the "Black card" -- is the most exclusive and expensive card in the world. See how a longtime cardholder uses it to enhance her life.