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Dear Harry: My wife and I are having a huge problem regarding our estate. Since we are well under the estate-tax exemption, we don't have that worry. However, we have a problem with respect to several things regarding our wills. Our lawyer has been advisi

A longtime Daily News columnist, Harry Gross writes on personal finance and takes reader questions. Write to him c/o the Daily News, Box 7788, Philadelphia, PA 19101.

Michelle Singletary Posted 11/22/2009
The next several weeks are crucial for the charities; most of them receive one-third to half of their overall contributions in the last three months of the year. Before making a donation, make sure that the charity is using most of the money it takes in to provide the services it supports.
Your Money video from the AP

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Jane M. Von Bergen
Veterans Day has come and gone, but the tribulations of soldiers and their families continue. I didn't know this, but 48 percent of our available military power are in National Guard and Reserve forces. Unlike other members of the military who join the Army, or the Air Force, these men and women work in regular civilian jobs until they are called to serve. For them and their families, the support of their employers is crucial.
Bob Lankard: I was an employment counselor when Western Pennsylvania led the nation in low unemployment rates. My advice to displaced workers then and now: cast a wide net when looking for a new job.
Jack Coben has added to and revamped a home in Huntingdon Valley, earning the title sewn on his shirt.
Al Heavens
Posted 11/20/2009
Question: I have a plowing company near the Poconos. Last winter while plowing, I left rust streaks on two properties. Though they are not very noticeable, they are noticeable. Do you have any ideas or solutions to removing rust from concrete?
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The rocky economy has had an impact on the size, value and bottom line of many of the top 100 companies in the 10-county Philadelphia region, as well as on the total pay of their CEOs.

PHILLY.COM INDICES WATCH
Pfizer Inc. has been hit with more than $100 million in two punitive-damage awards - one decided and the other unsealed yesterday - from Philadelphia juries.
REMEMBER THAT snotty expression, "You can never be too thin or rich"? A kinder, wiser thought might be: "You can never have too much bandwidth," the Internet service "pipeline" to run applications at home. That's because, in shockingly fast order, product innovators and consumers are filling it up.