Enjoy these wonderful nuggets of information on this cold Friday:

Kiplinger Doesn’t Advocate Target Date Funds - Jim highlights this article that touches on some issues I have brought up here in the past.

Inside the Mind of a Spendthrift - J.D. continues his message that sound personal finances are more mind than math which I believe as well.

Key 2006 Tax Law Changes - The sun has a quick breakdown of some of the key tax law changes for 2006.

How to Get an Employer Identification Number - Nickel breaks down the process of getting an EIN. If you have a side business it is too easy not to do.

The FICO Battle: Ten Common Tactical Mistakes When Dealing With The Credit Score Blues - Trent highlights 10 mistakes you don’t want to make when trying to improve your credit score.