Would you lend money to a stranger? Banks and other creditors don’t like the idea of doing that either, that’s why they take the time to go through your credit report when you apply for …

The majority of us, in the Western world, are profligate with our spending. We have so much choice as consumers and are constantly bombarded by advertising imploring us to buy the latest must-have accessory to …

Overdraft charges are typically triggered when an individual’s checking account balance drops below their agreed overdraft limit or below zero if there is no agreed overdraft attached to the account. Incurring overdraft charges can be …

Getting grocery coupons is easier than using these coupons effectively. This is why you need to learn how to use grocery coupons to save your money. Many people use grocery coupons to add more items …

There is no shame in being unemployed. It happens. As a matter of fact, all of your successful friends have experienced the situation at least once, if not many times. Think about it, during his …

For most people, their home is their most expensive asset.  When you are trying to sell your home, it is important to get the most money that you can.  There are several ways you may …

Personal liability insurance coverage is basic insurance that caters for homeowners, tenants and auto related coverage which usually carries liability provisions. The coverage under this type insurance includes the actions or lack of taking any …

There is no such thing as being too young to invest. If you have spare money lying around at a young age I highly encourage you to invest. Many children are exposed to investing by …

Remember the days when you had to actually make yourself presentable and drive over to your insurance agent’s office to apply for an auto insurance policy? Even if you could get a price over the …

Why are student loans important for those of us who want to go to college? Student loans are the main reason why kids are allowed to go to college in the first place. Not only …

There are few certainties in life, but one sure thing is that we’ll all eventually die. With this in mind, purchasing life insurance can be of ultimate importance, especially when you have dependent family members …

If you’re new to investing, and you want to purchase shares of individual companies, consider “buying what you know.” In other words, invest in companies you’re familiar with. If you don’t know any companies, invest …

Shopping is an activity that a lot of people love. It brings a feeling of satisfaction, relaxation, and comfort. For some, shopping is a form of therapy, a way to overcome stress and get away …

The large majority of people are going to get their refund checks and promptly spend them on a variety of special gadgets and toys that may improve their quality of living, but won’t really help …

Getting fit certainly doesn’t have to cost the earth, despite what the fitness industry would like you to believe. You may have seen those infomercials where there is a picture of an overweight woman before …

This is a great time to buy a home but a very bad time for speculative real estate investments. The challenge is getting financed. For those with perfect credit, consistent job history and low debt …

Insurance companies have different methods to calculate the premiums that people pay for life insurance. The most common methods are using the smoker status of an individual, their body mass as well as their age. …

The factors which affect renter’s insurance rates are similar in nature to those of any other insurance policy.  The primary factors which influence the annual premium of a renter’s insurance policy are the inherent risk …

If you go to your local insurance agent and purchase coverage on your car, your house, your health or your life, the practices of your agent and your company are generally regulated by your state’s …

I find it hard to believe anyone will post on this site why random drug testing for police officers is unconstitutional. Of all the people that must go through random drug testing, I would think …

I greatly respect those who have answered in the No Column. I personally would not have an abortion and I understand why there are those who would oppose it for everyone. But I have a …

Maximizing your chances at scoring a great loan, with low interest and friendly repayment terms, is like an athlete training for a major sporting event: it takes time, preparation and effort. Get your credit history …

In a report by Lea Winerman, individuals in general are discussed as being prone to what Winerman refers to as ‘optimism bias’. This optimism bias is a state in which things that might not be …

Being a teen is often a time of new experiences and exploration.  It’s a time to try new things all the time as well as having the time and freedom to do so.  These are …

As a former Personal Banker and Investment Advisor, I know a little bit of the inside story behind credit scores.  The cryptic numbers may mean little to most people, but with a little insight, you …

A home improvement loan is a loan that allows the borrow to make improvements and additions to their property. Most loans are limited to permanent improvements that will remain with the property; additions, decks, garages, …

INVESTING IN OUR FUTURE WAR AGAINST HUNGER: COLONIES IN SPACE Advice to President Obama: dust off an old idea. How can we invest in the future of Mankind in such a way that would provide …

A sure thing is a smart choice. Balancing risk, avoiding loss, gaining benefits is the game. However, risks or not, the unexpected happens. Insurance helps. Not owning your home, renters may not expect insurance needs; …

You have a secret weapon that you can use as a part of your credit card debt elimination arsenal. Use it to your advantage to finally get rid of your financial burdens. Ladies and gentlemen, …

Every woman must have the right to choose what to do with her body. Rape is very common; Women cannot always control what happens to their body. It is inhumane to force a rape victim …