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MoneySmart

Tip of the Day:

If you haven't done it already, unscrew and drain your outdoor hoses and use the shutoff valve in your basement to cut off the water to your outdoor faucet. This will keep the faucet from freezing and breaking in the upcoming cold weather, and prevent you from having to replace it.

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On the Blog:

What has been some of the best -- and the worst -- money advice you've received? Share your opinions at buffalonews.com/moneysmart.

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Inside:

What to do if your employer stops funding your 401(k). Page B9.

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