Personal finance columnist M. P. Dunleavey lost $10,000. Her year-end financial review showed an BillMeLater is a new service that does what its name says: you can buy something paying using BillMeLater, they'll front the cash, and send you a bill later, but, Kiplinger's idea of a good Christmas present for a teenager is helping them start a retirement account. We kind of think the average teen is going to have a hard time understanding why that's a "better" gift than, say, a game system, but the underlying idea is sound. As long as your teen worked at some point in 2007—even babysitting counts—As long as they're still plugged in, most appliances are still sucking energy out of the wall, and dollars out your wallet. Wesabe, the popular personal finance website, has 4 tax moves NOT to make in 2007 [Bankrate] "Here are four instances that could provide better tax results for some taxpayers who wait until 2008."