Predictions for 2013: Grocery prices to rise, gas prices to
continue to fall  So what can we expect in the New Year? I don't
have a crystal ball, but it's a safe bet that your grocery bill
will continue to go up. The USDA expects a 3 to 4 percent rise
in food prices in 2013, especially for dairy products, cereals
and bakery goods.  The editors at predict smart phones, cars and
many luxury items will be more expensive this year.  On the
bright side: gasoline prices are likely to continue going down,
barring unforeseen circumstances.  Good news for home buyers.
Mortgage rates should stay low. says the average rate for a
30-year fixed should remain below 4 percent for much of the
year, even if the economy continues to improve.  Cybercriminals
are sure to step-up their game again in 2013. Malicious software
that can encrypt your hard drive, making all the data useless,
is becoming more common.  More attacks will be focused on mobile
devices. If you have a smartphone and you don't have anti-virus
software, you're