I’m self-employed, so my income depends on me always finding my next paycheck. I train nonprofit boards of directors on how to ask for money, and the first thing that organizations cut are training budgets. …

You have your hands in your fiscal pocket. You want to make sure you have plenty of green, leafy, ripe lettuce for your future? Enroll yourself in the basics of financial planning 101. Allow me. …

As of January 1st, 2009 the federal government has changed the minimum down payment requirement for home buyers applying for new FHA  home loans.  The minimum down payment has gone from 3% to 3.5%.  Before …

There once was a time when it was only the “rich and famous” who worried about being sued. But today, if programs like The People’s Court or Judge Judy are any indication, practically anyone can …

Private mortgage insurances (also called lenders mortgage insurance) have gained a lot of popularity in America during the last years for people who want to buy a new house. These kinds of insurances protect the …

We all love shopping, and especially so at the grocery store where the items on display are typically arranged to strategically attract and catch our attention. The store tends to place items that they would …

Keep in mind when choosing your home owners insurance first and for most, know your agent. He or she will be the one you contact in case of an emergency. Choose a local company. Someone …

Black Friday can be a wonderful day to save a lot of money on gifts for the holidays and for yourself.  There are certain things you can do to make shopping at the mall easier …

UK inheritance tax is charged on the worldwide assets of persons domiciled in the UK and on the UK assets of non-domiciled persons. The tax is charged on certain lifetime transfers of value and on …

For many people, the good feelings experienced during the holidays begin to wane around mid- January when the post holiday bills begin pouring in.  Focus inevitably shifts to developing and implementing effective debt-reduction strategies. Some …

What is the Forex market? The Forex market is where a nation’s currency is exchanged for that of another. When you trade on the Forex, you buy or sell currency pairs such as GBP/USD (the …

Knowing how to negotiate successfully with creditors can be a good first step to raising your credit score. Since a good credit score is necessary to help you in today’s economy, it is also a …

The array of insurance companies to choose from today is mind boggling and can be quite intimidating for the uninitiated. The most important step is getting quotes from at least three companies and ensuring that …

When considering borrowing money to help pay your educational expenses, you should seriously consider other options such as: grants, college work-study, and other forms of assistance to help you meet your educational expenses. However, if …

If you live in Georgia, and you are looking to save money on auto insurance, look no further than the internet. Gone are the days when you had to make an appointment with a local …

What is the purpose of auto insurance? In some states you need auto insurance just to drive. The purpose of insurance is to protect you and what you own. If you are uninsured you risk …

Sometimes, consumers get into credit card partly due to misconceptions and misunderstandings about what falling into arrears really means. The resolution of credit card debt that results in a “charge off” is a primary example. …

A value added tax (VAT) system is to some extent self-policing, because the buyer of a service needs an invoice from the supplier so as to reclaim the VAT input tax on the purchase. It …

A credit score is a number between 300 and 850 that allows lenders to see how worthy you are of credit. It is a very important number that you should keep as high as possible. …

The debate over which benefits the loan holder more, “Refinance or Extra Mortgage Payments”, is a very complex matter. Complex and unless the mortgagee has a good mathematics capabilities very over-whelming. The opinion of this …

Foreclosure is a challenging and stressful situation that no one wants to encounter. However, statistics indicate that in today’s debt-riddled society, home foreclosures are on the rise. With that in mind, it’s wise to understand …

The term ‘invest’ means different things to different people. Some might take a narrow definition of it as only relating to the investment in shares, whilst others take a broader definition that also extends to …

Credit Card Security If you have lost your credit card it can be extremely stressful a theif could potentially spend thousands of dollars, wipe out your credit rating, and steal expensive and valuable goods from …

A commercial bank is the banking institution that is commonly called “the bank,” as in, “I need to go to the bank and get some cash.” By simple definition, a commercial bank is a business …

There are many factors that insurance companies use to calculate the cost of life insurance. These can include a person’s smoking status, their age and other factors such as various benefits that are included on …

Kwanzaa is a seven-day celebration that is held between December 26 and January 1 in honor of African cultures and values. It is based around the seven principles of unity, self-determination, collective work and responsibility, …

Most people have, by the time they are in their mid-twenties, accrued some debt of some sort; this is just an inevitable fact of life.  Those with more commonsense and wise ways with money will …

It is imperative to contact Social Security as soon as possible if you notice any questionable credit card activity or if you have other reason to believe your identify may have been stolen. You should …

There are few components to find stocks for investments. It begins with an investment strategy. An investment strategy provides rules to invest in any stock.  Researching financial data of the various businesses is the next …

An insurance claims dispute refers to any time you, or someone covered under your insurance policy, is denied a claim. This can be for medical care already received or medical care recommended by a physician. …