Kimberly Palmer, senior editor for U.S. News & World Report, writes about how to stay on top in the consumer world by saving money, avoiding scams, managing debt, and otherwise staying sane. She tries to incorporate these techniques into her own life, but often finds herself splurging on lattes, 19th-century novels, and kitchen-related gadgetry. Share with her your own money issues by sending questions to alphaconsumer@usnews.com.

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After a decade as a closet geek and departmental guru, David LaGesse started writing about personal tech for U.S. News six years ago. He also writes about corporate trends, strategies and executives, having spent more than a decade as a business writer at newspapers including most recently The Dallas Morning News, where he also spent seven years covering Latin American affairs.