Perhaps one of the most common misconceptions in the world today is that the US government operates on a level of transparency with its people, especially when it comes to government retirement programs/entitlement programs like …

Tax day is right around the corner, and the tax forms are flowing. In the next few weeks, most of us will receive W-2’s, I-9’s, and a slew of other “bingo” sounding forms. Now more …

A financial emergency can happen to anyone. Something needs paying immediately or it could cost you more in the long term. However if you have a bad credit rating you won’t find it easy to …

I have a tried and true method that I have been using since I was 19, and has not ever let me down. These tips will help you in finding and maintaining a good Real …

If you are budget minded, you are aware of the fact that disposable income is money from your current income that you can spend after taxes have been paid or accrued. Naturally, you will want …

Shoes are a necessity, but they don’t have to break the bank. Whether you are shopping for athletic shoes, dress shoes, sandals, or boots, you can save money at the shoe store by following these …

Debt has a way of taking over your life if you don’t learn to manage it. By the time most people decide that they want to get involved in debt management their debt is out …

Surprise medical bills can be heavy hitters, knocking your savings plan over the fence and out of the park. A hospital can charge tens of thousands of dollars for treatment – do you have that …

Less than a decade ago, potential homeowners could waltz into a mortgage company with credit scores in the low to mid 500 range and qualify, usually, with no money down.  This, of course, was part …

Trend indicators used in FOREX trading This article will be directed toward those aspiring to learn the FOREX market or who are beginning traders. Trend identification is one of the first steps that a trader …

In many Western countries at one time home ownership was balanced by a rental market. The opportunity to own property was not available to all, yet many aspired to own their own homes: easy credit …

Credit cards have become a popular method of payment for consumers.  Companies have decorated the cards with various scenes, logos, and even with the consumer’s picture.  This “plastic money” is popular throughout the world and …

The purpose of my article is to offer a consumer service with no strings attached, giving people a clearer picture of what can influence health insurance pricing. With this knowledge and education, I hope to …

At the mall one afternoon a young girl and her mother were discussing the possibility of buying a new collection of DVDs. “I really want to get these. These are my favorite,” the girl insisted. …

If you are like many people, your employer has offered you an array of health plan options. With different costs, different features, and coverage in different amounts with different deductibles, it can be difficult to …

If you’re one of the hundreds of thousands of people who find themselves having lost control of their finances and allowed your credit rating to slip, you needn’t worry unnecessarily. Although this will restrict your …

Reward cards are great – you basically do what you do all the time, and you get money back or some other reward, based on your spending. The Discover Card is the most famous reward …

Whether evaluating future investment possibilities or reviewing existing investments one tool that is often used is ratio analysis. The question is: how efficient is ratio analysis, otherwise known as trend analysis, when it comes to …

If a customer of your establishment became intoxicated and injured themselves or someone else your business can be held liable for loss or damages as a result. However, if you have a good liquor liability …

The “rat race” is basically living paycheck to paycheck. A person will work hard and go to work day after day, yet never get ahead. It is as if they are constantly looking for the …

The spreadsheet can be a very helpful tool when it comes to setting up a variety of different budget types. People can use the spreadsheet to track, manipulate, and collate a large amount of personal …

I think we’ve all heard about the crisis in the housing market, pretty much every time we turn on the news. To date, some 200 mortgage lenders have gone out of business. The demand on …

When the bills or financial commitments begin to outgrow your income, or you want to save for something special, it is time to look at ways to save money any way you can. Even small …

In this day and age, it’s more important than ever to make sure you document the contents of your home both accurately and frequently. It’s surprising how many people don’t realize the value of the …

So, you want to buy a home, and you are ready to get a mortgage but you haven’t saved that 10 or 20 percent down payment? Unbelievably, that isn’t a problem. Despite a soft housing …

Summer is often thought of as a lazy, laid-back season, but with vacations and energy bills, it can also be the most expensive. Avoid the high cost of taking it easy by trying out some of these …

If you have ever placed an order via telephone or over the Internet one of the things you may have noticed are these sneaky “offers” for affiliated (or unaffiliated) services like either a subscription for …

Student loan debt is one debt you cannot get away from. It is non-dischargeable and if not managed properly will wreak havoc on your credit score. Taking on student loans is all too easy, whether applying …

Much like the Federal Deposit Insurance Corporation (FDIC) was created to help consumers when banks fail, the Securities Investor Protection Corporation (SIPC) was designed to aid them when brokerages run into trouble. The SIPC is …

One of mankind’s weakness is avarice. No matter how well off financially a person may be they will always want more than what they have already. If no work is involved and what is being …