It's a great time to get a mortgage; getting the biggest bang for your charity buck . . .

Having trouble viewing this email? | View it in your browser December 19 December 19     FOLLOW US      NEWS SPORTS LIFE MONEY TECH TRAVEL OPINION WEATHER USATODAY.COM   MONEY   money   With a bullet: Oil, mortgages, Christmas lights from space     Average price of gas now $2.465 a gallon.     Read Story     Personal Finance           FAFSA application tips for students with undocumented parents Students seeking financial aid for college should always fill out the FAFSA, but lengthy form is particularly confusing for students with undocumented parents.     columnist           How to get the biggest bang for your charity buck This is the season of giving, but research how to donate in the smartest way possible.     money           Personal Finance: Determining your Social Security base Benefits are based on your highest 35 years of adjusted earnings, not just the last five.   Advertisement   Personal Finance           Retirement: 5 ways to make the most of 2015 Experts offer retirees and pre-retirees tips on having a healthier, wealthier New Year.     Personal Finance           Where to Retire? The Black Hills of South Dakota It's home to lakes and national parks and has the Wild West allure.     money           With a bullet: Cuba, Switzerland, molten lava Google has made only 15 52-week lows. Two were on Monday and Tuesday.     Personal Finance           Q&A: Ways to fight loneliness during the holidays Set realistic expectations and don't isolate yourself. Get out as much as you can.     Personal Finance           USA TODAY College 2014 holiday gift guide: Drugstore gifts Even the most unexpected places hold the perfect gift for those last few people on your list — especially drug stores!     Personal Finance           Your end-of-year financial checklist USA TODAY personal finance reporter Hadley Malcolm interviews USA TODAY retirement columnist Robert Powell about how to get your finances in order for the new year.     The Day In Pictures Gallery Thai villagers watch a grounded Indonesian tanker from a beach in Narathiwat, Thailand, on Dec. 19. The tanker carrying 2.7 million gallons of palm oil ran aground after being hijacked and then recaptured by authorities, officials said.     Popular Stories Obama holds end-of-the-year news conference FBI confirms North Korea behind Sony hack 'Not a monster': Holmes' parents plead for his life     SPONSORED LINKS   To forward this e-mail to a friend, click here You are currently subscribed to this newsletter with the address: biznewsweb@gmail.com. To UNSUBSCRIBE, please click here. Manage Subscriptions | Help | Advertise | Home Delivery Privacy Policy - Your California Privacy Rights © 2014 USA TODAY, a division of Gannett Satellite Information Network, Inc. 7950 Jones Branch Drive, McLean, VA 22108