Credit Bureaus Playing God at Our Expense Time To Quell Excessive Power Of Credit Bureaus Many people are having credit report problems with Equifax, a.k.a., CSC, Experian and Trans Union.  During the past decade American …

C.O.B.R.A. stands for the Consolidated Omnibus Budget Reconciliation Act of 1985, which is the federal legislation that included sweeping changes affecting employee health care coverage after separation from their employer. The law requires that health …

The stock market likes to speak its own language and the January Effect is another descriptive term market analyst use to explain January price fluctuations. They don’t always happen but they happen enough to have …

The debate about the superiority of term insurance over cash-value insurance is an apparently never-ending one. So-called experts assert that term insurance is categorically better than cash-value insurance. The reasoning is that life insurance should …

With the increasing popularity of IRS e-File, income tax refunds arrive much more quickly than in years past. Even with the more rapid deposit of refunds, occasionally some type of issue occurs that will delay …

There are many types of coverage you can carry on your automobile insurance policy.  The most common types are Liability, Medical Payments, Uninsured/Underinsured Motorist, Comprehensive/Collision, and Rental Reimbursement. Keep in mind, the more coverage you …

Real estate has become big business, more so today than ever. One of the oldest trends in real estate marketing is to purchase a home in need of restoration, do repairs and restore the home, …

Keeping your checking account up to date is the secret to avoiding bank charges for overdrafts. If you are careful to keep all the receipts from any purchases you make from your account, whether it …

Prior to the mass use of credit cards people’s financial habits were largely restricted by the amount of disposable income they had. If an item was needed or wanted it had to be saved up …

Shopping for renter’s insurance may seem overwhelming, however it is a necessity. Although landlords are required by law to insure a property, if there were a fire, flood, break in, or any other type of …

Failing To Plan: Why NOT to Rely on Medicare to Cover Nursing Home Expenses Studies show that most Americans fail to prepare for the costs of long term care because they believe that Medicare or …

Mortgage Insurance Premiums and Primary Mortgage Insurance This article is just a tad bit deceiving.  This type of insurance , actually varies by name when the loan is a conventional loan, or a FHA(Government insured …

Vision Insurance or Vision Plans are a common part of company benefit packages. While they come in a huge variety of different “flavors” most have several common traits. Routine Eye Exams At the core of …

The cost of a college education can be a very big impact upon a family’s finances. College fees are rising whilst the economy is getting tougher, and so being able to pay for your child’s …

The economy has changed within the past five years, and many home buyers are on a quest for the lowest mortgage payment possible. There are various avenues to pursue when looking to lower your mortgage …

The Fair Isaac Corporation is the company the created the FICO score for credit. A credit score can range between 300-850. All three of the credit reporting bureaus (TransUnion, Equifax, and Experian) use a FICO …

There are many ways to buy gold and silver. You can buy gold and silver coins, which are solid and portable, but may be a relatively costly way to proceed. Many ETFs, exchange-traded funds, provide …

If you have been looking for an opportunity in work at home jobs sector, you know sometimes it can be hard to find a method that works for you and your situation. Although there are …

I work in the field of retirement finances, and I’ve read a few of the Helium articles on this subject. I’m going to get a little technical about saving for retirement, but first let me …

Students who have recently graduated from a post-secondary institution have on average approximately $20,000 in student loan debt – some as high as $100,000.  Unfortunately, with a tough job market, students are having a difficult …

You may end up spending more than you think when you don’t keep track of what you spend. One way to see how you may be able to save more is to track everything you …

Are you interested in opening a bank account? If so, there are a variety of matters that you will need to take care of. You are going to learn the things that you need to …

A study conducted by Swift Exchange and Colloquy into rewards card programs, reveals that an outstanding $18 billion worth of rewards points go unredeemed in the U.S. each year. The results of the 2011 Forecast …

The choices that people make everyday can eliminate the possibility of becoming free of debt any time in the near future and in many cases, they do not realize the damage that they are doing …

Consumer Guide to purchasing Auto InsuranceThis article was written to give you tips to help you buy auto insurance. Whether you buy auto insurance online or in person, the following tips are important when buying …

Of the areas of the United States that seem to show a sustained rebound in real estate, Minneapolis and Minnesota showed some signs of economic strength by the third fiscal quarter of 2010 that have …

One of the decisions 52-year-old Jerry had to make after receiving a diagnosis of terminal cancer was whether to use the services of a hospice program.  He already knew he’d welcome this type of care …

In today’s modern economical climate adding some extra pennies to the families finance is a sure-fire winner. So where to start? Firstly you will need to have a good spring-clean. It’s a good suggestion to …

Affordable Automobile Insurance A new driver must add the responsibility of insurance. It might depend on the age of the individual.  Internet Play around with websites, but take time to run the information gained through …

Cheap Automobile Insurance The need for adequate cheap automobile insurance in this day and age is very vital to our society and necessary for any driver of any motorized vehicle. It has become such a …