Things have been tough for Taco Bell lately. First there was the whole E. coli scare in 2006, which people are still talking about. Then there was the chain's new grills, which it claimed were "green" because they used less water and electricity than traditional steam tables. One of Taco Bell's execs even went so far as to state that "Whether you take shorter showers, turn off the water while brushing your teeth or purchase a Grill-to-Order menu item at Taco Bell, you can save water and impact the environment without even thinking about it." In point of fact, as CNN pointed out, Taco Bell's heavy reliance on beef makes it far from green. Finally, who can forget about Taco Bell's famous rat infestation video, which featured dozens of the furry little critters taking over a New York restaurant.

Still, even with its bacteriological and environmental shortcomings, Taco Bell is my go-to restaurant when it comes to fast food, for the simple reason that it consistently offers relatively healthy (compared to a Big Mac), surprisingly flavorful food for a very low price. My loyalty to the place dates back to when I was a poor starving college student. There was one semester in which I was particularly broke and could only spend about $50 on food. Throwing variety to the wind, I subsisted on plate after plate of hummus, lentils, tuna macaroni salad, and ramen. Whenever I could, I'd find some change in my couch and wander off to Taco Bell, where I could get a burrito for 59¢. It became a lifesaver. Many were the nights when I'd grab a table, pick up a burrito, load it with hot sauce, and savor the joy of something other than my regular fare. When I had an extra couple of cents to splurge, I'd pick up a bottomless cup of soda and revel in my wealth.

Over time, of course, Taco Bell phased out the super value menu. By that point, I had a little more money, so it didn't hit me too hard, although I remember feeling a pang when I discovered that my favorites were now a little more expensive. However, in addition to its push for green cred, Taco Bell seems to be returning to its roots. On May 15, it is rolling out its new "Why Pay More" menu, featuring items that cost 79¢, 89¢, and 99¢. Given that many customers are currently concerned about their ability to pay for gas, the super-cheap menu is coming out at the perfect time. And, to be honest, I will probably be taking advantage of the new offerings.

And I'll remain a Taco Bell regular as long as the rats remain among the patrons, not the ingredients!

Bruce Watson is a freelance writer, blogger, and all-around cheapskate. A recovering fast food junkie, he still dreams about Wendy's "Big Dave's Deluxe" burger.

Back in February Tom Barlow covered 40 ways to avoid a traffic ticket which provided some great tips relating to preparation, driving, and what to do if you do get stopped. Just this month Car and Driver posted an article which contains some great information to build on Tom's original series. Car and Driver went straight to the ladies and gentlemen in blue to find out the top 5 best things to do if you are busted and the top five worst things to do! Nothing beats hearing this advice from the individuals you have to deal with out on the road and the advice comes with anecdotal experience to back it up.

Even with the best driving you will likely get pulled over at some point in your life and the actions you take may heavily influence the outcome of the traffic stop. Even those done with the best of intentions can result in unease for officers and money out of the pocket for you. When you do get pulled over be sure to put yourself in the officer's shoes and realize that someone going for a cell phone or an insurance card can look a lot like someone going for a gun. At the same time be sure you are aware of your rights when it comes to a traffic stop. Instructables recently released a guide which covers what to do if the police stop you, which is information worth knowing.

This is the part of a new series of columns called "The Naked Truth," by retirement expert Dan Solin. Please bring him your questions, in the comments box, and he will answer as many as he can.

Question: What is better. Traditional or Roth IRA? I have my Roth IRA invested in the Vanguard Total International Stock Index Fund (VGSTX)? I am 38 years old.

Answer: While this subject is not free of doubt, I prefer the Roth IRA. Both the Roth and traditional IRA's are tax-deferred accounts. But, unlike a traditional IRA, Roth IRA contributions are made with already-taxed income.

How much cash do you carry? How often do you hit the ATM? Are your habits the most efficient? If you carry less than $500, the answer is no.

You may be surprised to learn that this question has generated a great deal of debate among economists. One way of approaching the question was by applying the Baumol-Tobin model of cash management, which takes into account several variables.

Professor Greg Mankiw ran the model for a person who spends $10 a day of cash, earns $60 an hour, takes 10 minutes per ATM visit, and makes 5% annual interest on his bank account. For this person, the model shows that this person should take out $1,200 three times a year, carrying an average balance in his wallet of $600. Much of this surprisingly high number is a function of the value of this person's time.

In 1995, Mankiw calculated that even the average American would be better off carrying an average of $551.05, when in fact the average citizen carried around $75.

Did you receive your economic stimulus check yet? These companies are offering you something extra if you will spend those bonuses with them.

SUPERVALU, nationwide chain of 2,500 grocery stores.
The deal: For every $300 gift card purchase purchased with a stimulus check, Supervalu will add an additional $30.
The catch: Good 5/2/08 thorugh 7/31/08

Staples, nationwide office supply chain.
The deal: $150 off $1,000 of furniture: $40 off purchase of $300 or more (except computers).
The catch: Expires 5/18/08

Sears, KMart and Land's End, retailers of fashion and home goods.
The deal: Convert your check to a Sears, K-Mart, or Land's End gift card and they'll give you another gift card worth 10% of that value. For those receiving a full $600, that's a free $60.
The catch: The offer begins May 14th and expires 7/18/08, and is only good for in-store purchases.

Home Depot, retailer of construction and home supplies.
The deal: discounts on environmentally-friendly items.
The catch: None noted.

Wal-Mart, the world's largest retailer of home, fashion and food products.
The deal: Will cash checks free, no purchase required.
The catch: None noted.

Sam's Club, Wal-Mart's bulk sales membership-required retailer.
The deal: Free membership for non-members or a $40 gift card for existing members with purchase of selected items. Free cashing of the stimulus check.
The catch: May 18-31.

Lowe's, retailer of construction and home supplies.
The deal: Will cash checks for free, no purchase required.
The catch: None noted.

Meijer, retailer of home goods, clothes, and groceries.
The deal: $30 gift coupon for every $300 Meijer gift card purchased with rebate
The catch: Valid 5/2/08 to 5/31/08

RadioShack, nationwide vendor of electronics.
The deal: 10% off purchases over $50, with the balance of the check put on a Mastercard gift card.
The catch: Valid May 4- July 12, 2008.

Kroger, national grocery chain.
The deal: $30 bonus on every $300 purchase of store gift cards.
The catch: May 2 through July 31, 2008.

Shop 'N Save, Cub Foods, Albertsons, Acme, Farm Fresh, Jewel-Osco, groceries owned by SuperValu Co., grocers.
The deal: $30 bonus on every $300 purchase of store gift cards.
The catch: May 2 through July 31, 2008.

CVS/pharmacy, pharmacies.
The deal: For loyalty club members, $5 off a $30 purchase.
The catch: None noted.

Food Lion grocers.
The deal: $30 bonus on every $300 purchase of store gift cards.
The catch: None noted

Safeway grocers.
The deal: shoppers that cash their check at Safeway will receive a coupon good for 10% off groceries purchased within two days.
The catch: Good May 14- July 19th.

Menards, construction and home supplies, in the Midwest.
The deal: 5% bonus tacked onto store credit when you cash your check at Menards.
The catch: None noted.

With budgets stretched thin, several states are considering letting inmates out of prison early to save money. Even though they may be more likely to commit new crimes, politicians are saying the cost of those crimes is far less than the cost to keep the prisoners locked up.

One argument in favor of letting prisoners out early suggests that those in prison for things like "minor drug offenses" aren't a danger to society and should not have been locked up in the first place. That's a nice thing to say, but where's the proof that there are people in prison "only" for "minor" drug offenses?

Where I come from, you have to commit an awful lot of crimes to actually end up in prison. And that minor drug offense? The only way it's going to get you into prison here is if you've already got a double digit rap sheet. As a former probation officer, I can't tell you how many times I've seen judges try everything they could to avoid sentencing a criminal to prison.

Soon after my wife and I decided to move to the big city, I realized that I would have to leave my beloved washer and dryer behind. On the bright side, though, I discovered one of the wonders of urban living: drop-off service.

For a small amount of money (in my neighborhood, it's $0.65 per pound), someone else will wash, dry, and fold your clothes. Given that my wife, daughter, and I generate between 20 and 30 pounds of laundry per week, this ends up being a fairly cheap luxury.

A few months back, however, I switched to a lower-paying job and began looking for ways to cut fat out of the household budged. One of the first things to go was the drop-off service, as I realized that I could wash my family's clothes for roughly half the price that Lula, the Albanian lady at the drop-off service, charges. Feeling self-righteous and fiscally responsible, I began toting my family's clothes to the local laundromat.

Drink this up. Despite what the marketers of bottled water have almost convinced us of, there remains little scientific evidence that drinking eight cups of water a day does anything more for your health than make you pee a lot.

A piece in last week's Health Section of the New York Times cites a new study in the June issue of The Journal of the American Society of Nephrology, which reports that researchers can't even find where the "at least eight cups of water a day" rule came from.

"Under normal circumstances," Dr. Stanley Goldfarb, a co-author and a professor of medicine at the University of Pennsylvania told the Times, "drinking extra water is unnecessary. I want to relieve people of the burden of schlepping water bottles around all day long."

Here we go again. Congress is investigating the possibility of returning to the steel pennies last seen during WWII as a way of ending the most foolish of circumstances, i.e.; it costs more than a penny to make a penny. 1.26 cents, to be exact.

That's not the end of the idiocy; a nickel costs 7.7 cents to make, according to an AP report. Dimes can be made for 4 cents, a quarter for 10 cents. The millions of oh-so-useful dollar coins (useful as ballast, that is,) cost us 16 cents.

Here's a very cheap solution, Congress; ditch the penny. It's just an annoyance. The reason we need to stamp out so many? People don't want to carry them, since they are so useless. Ditching them would open up a slot in the cash drawer for the $1 coin.

And If you want $1 coins to gain acceptance, quit printing paper ones, and make them easily distinguishable. Some countries have coins with holes in them, others have two-part coins (the English pound, for example), of two different metals. Give that consideration.

If you don't like those ideas, how about this- one day a year, offer to buy back pennies for 1.2 cents apiece. I guarantee you'll be flooded with enough pennies that you can shut down production, and save money.

If you haven't been thinking of buying a Chrysler lately, maybe you should. The Detroit News is reporting that Chrysler LLC is offering customers guaranteed gas prices for the next three years. Our sister blog, the ever-vigilant, AutoBlog, was one of the first to report the news yesterday.

The sales plan is called "Let's Refuel America," and almost every Chrysler, Dodge and Jeep vehicle being sold allows you to also sign up for a gas card that will reduce the price you pay to $2.99 -- for the next three years.

Clearly, it's an interesting deal and possibly a fantastic one, depending how high gas prices go. Currently, The Detroit News reports, someone would save approximately $1,000 per year if you have a 12-mile-per-gallon vehicle. People who are not interested can get a different incentive like a rebate or a cash bonus.

But I don't know what's more depressing -- that Chrysler has to bribe people with cheaper gas to buy its cars... or that $2.99 is now considered a deal at the pump.

Geoff Williams is a business journalist and the author of C.C. Pyle's Amazing Foot Race: The True Story of the 1928 Coast-to-Coast Run Across America (Rodale).

The daily deal for Tuesday, May 6th is a golden egg bank. If your savings plan involves hunting through your couch's cushions in search of small change, then this might be the perfect item for you. Forget about IRAs, CDs, savings bonds and t-bills; this little baby will help you transform your nickels and dimes into early retirement and vacation homes. Best of all, your "nest egg" will remind you of exactly where your money is going!

Constructed of gold-painted porcelain in a handy little nest, Fred Flare's Nest Egg will remind you that copper, nickel and silver can add up to make some gold. Best of all, at $9.99, it's almost 60% off its regular price of $24, so the savings start even before you unpack it!

Health Savings accounts are a great tool for preparing for medical expenses, both planned and unplanned. After a knee surgery last year tapped out our HSA, we bumped up our monthly contributions to try quickly build up to a useful amount. After putting the increase in place we promptly forgot about it and adjusted to the slight decrease in take home pay. Despite being forced to drop the amount contributed by the yearly caps the balance and the contributions have remained untouched and out of mind for several months.

Last week we got a bill for about $400 from the local hospital prompting me to call up and find out what our HSA balance was. To my surprise the balance was more than double what I expected! I had forgotten that we had bumped our monthly contribution months ago up and that in the meantime our employer had made a contribution which led to a significant balance. I quickly made sure the money was actually mine and faxed in the request form .

That's it, no muss no fuss and we didn't have to put the payment on a credit card or string it out for months at the hospital. As an added bonus our hospital has an incentive to pay early, so we save 5% on the total bill. When it comes to savings of any kind, the best method may be to, "set it and forget it".

Folks, we might have a new winner in the contest for the most hated consumer industry. For years, the hands-down winner was car dealers.

But we think that credit card companies are giving them a serious run for their money!

Most credit card companies are downright ingenious when it comes to cooking up sneaky new credit card fees and dirty tricks that take more money out of your pocket. If you've had enough, keep reading because today we are going to reveal seven of the industry's dirtiest tricks. We hope this list will help you protect yourself, slash your costs and be credit card smart.

Dirty Trick #1: Say "Bye-Bye" to Your Grace Period

No grace period means that you'll start accruing interest the moment you charge something. That can cost you a bundle of "extra" interest.

It's May Day, traditionally international worker's day. A perfect day to go out and support the working man's favorite food source: The taco truck.

Ask any Angeleno: Taco trucks are as much a part of the L.A. landscape as pho places and sushi bars. They provide a source of delicious -- and affordable -- food for the working people of this city, Hispanic, Anglo, African American and Asian alike.

But due to complaints from restaurant owners, the L.A. Board of supervisors passed a law two weeks ago that would slap a $1,000 fine on trucks parked in the same spot for more than one hour. That hits below the belt for most of these trucks, which are usually small family businesses. They argue that they serve a different population than restaurants, serving good food at affordable prices that even low-income workers can manage.

A recent study of the investing activity of millionaires has found that 27% plan to invest more in individual stocks this year. Only half as many will invest more in real estate, and only a very small percentage say they'll decrease their stock investments.

This is seen as good news for the American economy! Our economy grows when people invest in companies and technologies, which creates new opportunities, new jobs, and new wealth. It can have a snowball effect, much the same way as decreased investment can have a negative snowballing effect on our economy.

You're thinking to yourself, "Who cares! I'm not a millionaire." We might not be millionaires, but there are certainly some lessons we can learn from them, and one is about the value of saving and investing.

Oh sure, it's much easier to save or invest when you have several hundred thousand dollars lying around waiting to be used. But if millionaires were interested in only spending all the money they're making, they may not be millionaires for long.