Capital gains tax is payable in the UK at rates of 18% or 28%, depending on the taxpayer’s combined level of income and capital gains. There is an annual exemption of £10,100 which is enough …

Health insurance is a complex puzzle for many people, including the doctor’s office staff that does claims processing. When we look for health insurance, we want to know what benefits are covered, the total cost …

In times of financial hardship, financial problems can occur, or the already existing ones can worsen. To ensure that things will not get out of hand, it is necessary to come up with a specific, …

Your credit history is one of the most important pieces of personal information that you have because it is used in many different parts of your life. An error in your credit history could end …

You may wonder what homeownership has to do with car loans and why would lenders offer special deals on car loans for homeowners. Truth is that homeownership provides a lot of benefits when you apply …

What does living paycheck to paycheck mean? It means that every month when you add up your paychecks and add up your expenses, they equal roughly the same amount. You don’t put any money into …

This scenario has probably happened to a lot of us: you are out for a day of shopping or fun and come home to realize that your wallet is missing. You do not know if …

For those interested in personal finance, there are a lot of great personal finance books and websites that can provide inspiration and tips that can help you on your financial journey. Many people work best …

Preparing your child a school lunch can be an every morning hassle or it can be a breeze with just a little smart planning. Don’t get bogged down in the sandwich rut, use your imagination …

We are our most important asset and we should be prepared to do whatever we can to take care of our physical body. Nowadays, medical advancement have enable many of us to have a longer …

Social Security is a program that was established based upon: misleading arguments, intentional falsehoods, and outright Social-Fascist propaganda… it is both highly detrimental to our overall society, and to the individual Americans involved specifically… and …

We live in a political body built upon checks and balances. The Executive, Legislative, Judicial branches; accompanied by the media and the people themselves, are the 5 major entities of a government. The Constitution explicitly …

There is no more expensive purchase than that from which you derive no use. Term insurance may be just that sort of product. It is estimated that less than three percent of term life insurance …

The inheritance tax in the UK applies not just to the assets of the estate of a deceased person but also on transfers of value during a person’s lifetime. There is a nil rate band …

The reason checks are becoming obsolete is quite simple. Technology. That’s right technology. It is much easier to use a debit card for purchases made out of your checking account. One could also use the …

I do think insurance companies should inform customers that the rate they pay is affected by their credit score. As consumers, I think we have the right to know why we are paying a particular …

Would you like to get out of debt? Of course you would and its a good thing you’re here because I have the just the thing to get you started. If you are like most Americans …

CITIBANK Citibank is one of the world’s largest banks with over 200 million customers in over 100 countries. Citibank was established in 1812 and changed hands four times before 1910. Citibank merged with Travelers in …

Before you go investing your hard-earned $200, you should look at ways to leverage that money to save you money. This will provide a much greater and GUARANTEED financial return, as compared to trying something …

Persons who own their property are obligated to protect their investment. Banks will not lend money to a borrower who does not present proof of insurance. They are protecting their investment, and this in turn …

Money is so fickle and fragile that it can seemingly come and go without you realizing. The cost of living is also constantly on the rise which means it can be even harder to keep …

A credit card is a useful possession in one’s wallet: It can be used to take care of emergencies, while also helping build a good credit profile, which in turn will help you qualify for …

Many people every year are caught lying on their life insurance agreements, seemingly because they think that they can fool the companies. The fact is however that these companies are harder to trick than most …

“It’s far better to buy a wonderful company at a fair price than a fair company at a wonderful price.” Sound advice from Warren Buffett, one of the most successful investors in history. Buffet looks …

Refinancing your home is an important decision that can have many negative consequences if the timing is not right. If you are considering a refinance, it is very important that you take some items into …

Debt can be embarrassing and stressful. Once in debt it can be hard to get out. One thing that people do not like to talk about is money. Couples often don’t talk about it until …

Of course this topic is one where there are differences from country to country. But I think there are not many differences in the basic rules. It depends of many factors how to lock in …

Should the government bailout holders of student loans? I say yes, especially if they went to schools that were the alternative to traditional universities. The kinds of schools that promise you can get your education on …

Tricare is the health insurance program that provides coverage to active duty military service members, retirees, reservists, National Guard members, and their spouses, dependents, and survivors. Tricare combines military medical services with a network of …

To refinance a mortgage is a great choice of step if you feel you can obtain a lower interest rate whether it is due to the current market or because your credit profile has changed …