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General Motors(GM) managed to eke out sales gains in January, while chief rivals Ford(F) and Toyota (TM) saw sales slide amid a tough macroeconomic climate in the U.S.

With gas prices at record highs, I'm sure you've got a few choice words to say about the greedy you-know-whats who run the big oil companies.

But I've got an alternative solution, and I don't mean ethanol: Don't get mad. Get even.

Leasing a car is typically easier on your wallet than buying.

But lessees are much more likely than buyers to be taken advantage of, for the simple reason that it's difficult to understand what you're paying for.

From the White House to Wall Street, ethanol has moved to the heart of national debate about energy, security and the environment.

ReservePlus allows people to withdraw funds from their 401(k)s with a kind of debit card. That might sound pretty good, but many experts say it makes borrowing too easy and can put Americans' nest eggs at risk.

I find it amazing that investors and consumers alike do not fully grasp how the consumer credit markets operate, what companies are involved in the various aspects of the credit card market and how credit cards can be effectively used. Given that April is Financial Literacy Month, it's an opportune time to delve into these issues.

Citigroup(C ) on Monday announced it was splitting its consumer banking and credit card divisions into two separate units, part of an organizational reshuffling undertaken by recently installed CEO Vikram Pandit.

American Express(AXP) warned of a weakening U.S. economy and said it will record a $440 million pretax charge in the fourth quarter to reflect increased loan delinquencies.

Have you noticed anything different about your favorite online retailers lately? Take a closer look at their checkout options, and you may find some alternative payment methods beyond PayPal and Google(GOOG) Checkout.

More analysts are becoming increasingly pessimistic toward the consumer credit industry.