UPDATE: The seller has added a new comment to his feedback page claiming that the buyer never found any money:

"He was playing a practical joke the safe was empty there wasnt any money in it."

“Is it still correct to use ‘Dear Sir or Madam’ in a cover letter?” a reader asked in an e-mail. 

“That isn’t such a great idea,” I wrote back. “No one uses ‘Dear Sir or Madam’ anymore, unless they’re actually writing to a madam, such as Heidi Fleiss.” I’m not sure my e-mail correspondent caught the joke.

Personal finance media personality Suze Ormanis thinking big. She's the   first out of the gate in the fast-growingprepaid debit card market with a card that aims to help its users build a credit score. It's a gamble that could pay off, if it can help create a way measure the creditworthiness of millions who function outside the traditional financial system.

Q: How exactly is my credit score calculated?

A: Credit scoring models are numerous and also fairly nuanced so how a score is determined will vary, depending on whose doing the calculations. However, most models look at the same major categories:

Much of the secret to finding a job is simply good timing. After all, no matter how impressive your resume may be, if there are no jobs at the time, you’ll probably be out of luck. Fortunately, it’s easier than you might think to figure out when companies will be looking for candidates and when they won’t be.

How to keep your financial foibles from costing you big bucks.

Small mistake: You overlook old library fines or parking tickets.