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PREMIERES TONIGHT 8P ET MEET CARMEN WONG ULRICH Why am I here? I'm not a Wall Street suit, a CPA, CFP, or MBA. I didn't grow up with a lot of money - no grandparents giving stock-certificate gifts here. So what am I doing here? It's because I believe - passionately believe - that the ability to manage your personal finances determines what kind of life you're able to lead. It is a BIG advantage and a tremendous bit of freedom that has very little to do with how much money you have. It's all about what you do with it. It's my mission to give you the advantage of knowing how to manage your hard-earned dollars. I want to motivate you and guide you through the very muddy, intimidating, frustrating, tear-your-hair-out waters of personal finance. Let's fatten your wallet. •More about Carmen CARMEN SENSE Buy or Rent? Learn the Rule of 15 Ever hear of the real estate Rule of 15? Carmen mentioned it on a segment she did with Al Roker on the TODAY Show as they discussed a question tossing and turning through many American heads these days: Should I buy or rent? » Read More... How to Budget Your Money Use Carmen's money chart to allocate your monthly income and see where you're spending too much. »Read More... Demystify Your Credit Score Take the time to learn how this number is decided so you know what you have to do to raise it. »Read More... The Sandwich Are you supporting your parents, your kids, and yourself? It's a situation many American's face. Find out what Carmen and the On the Money desk advise. »Play Video Considering 401(k) Withdrawal? Don't! When the market's down big, withdrawing from your nest egg might seem like it could save you money. Here's why it won't. »Play Video Have Good Credit But Can't Get a Loan? In this video exclusive, Carmen and the On the Money desk advise a caller who can't get a HELOC (Home Equity line of credit) despite her good credit. »Play Video ASK CARMEN On the Money wants to hear from you. Connect with Carmen and get answers to your most pressing money issues. Text OTM to 26221 followed by your question for Carmen. *standard text message rates may apply* Call the On The Money phone line at 1-877-753-CNBC (2622) to get some answers to your money questions. E-mail your questions and let Carmen guide you through your dollar dilemmas. »E-mail On The Money Now! If this e-mail was forwarded to you and you'd like to receive information from CNBC click here. Please note that cnbconline@cnbc.com is an unmonitored inbox. To unsubscribe from this list please click here. (c) 2008 CNBC, Inc. all rights reserved. 900 SYLVAN AVENUE ENGLEWOOD CLIFFS, NJ 07632