If you are one of the lucky ones, your parents may be footing the college bill for you. If so, mom and pop may even give you a credit card “for emergencies.” If you are …

HMOs, PPOs, FSAs. Medical jargon has been around a long time. And now one of the latest acronyms – HSAs – has cropped up almost everywhere. But exactly what is an HSA? HSA stands for …

Managing your personal finances is not an easy thing to do, especially when you have no previous experience, or if your previous experience was not a good one. In actuality, managing your personal finances is …

 Auto insurance is a benefit to the consumer, offering protection in the event of an auto accident. Auto insurance can help pay expenses such as doctor or hospital bills or car repairs.All registered vehicles in …

Using the Section 1031 Tax Deferred Exchange vehicle for deferring capital gains tax at both the Federal and State levels is one of the best tools available for preserving and building your personal wealth. The …

Many people do not understand how important debt elimination can be to your future happiness. Debt elimination has the ability to affect many different areas of your life and create better opportunities in the future …

More and more people are requesting interest only mortgage loans every year. The Council of Mortgage Lenders has reported an increase on the requests of these loans of up to 20% in the last few …

To answer the issue at hand, yes, credit card companies rely on the ignorance of youth. But there is another side to it. If you are wise, and spend wisely, and pay back your bills, …

Because of the current problem being experienced with sub-prime mortgages, the credit-crunch and the general instability of the financial markets, the real estate industry is experiencing a period of decline, with property prices falling. Furthermore, …

Having made it to a happy retirement, I think I may have some insight which will help others get there. Even during my working days, colleagues frequently asked me about investments and other personal finance …

If a senior has an extended stay in a nursing home, it can financially devastate them and suck up all of their assets. Living in a nursing home costs tens of thousands of dollars a …

A collaterized debt obligation (CDO) is a structured finance construction that became known for its lack of transparency and its negative role in the financial crisis. Indeed, it is rather complex to understand how a …

Repeat after me: I will never give my credit card number to anyone who calls me on the phone, even if they say they are from an organization I recognize. Certainly, if YOU place the …

While it may not seem like such a secret, there are some strategies that when used as a part of an overall plan can help you get the best home loan. Some of the following …

Choosing the right mortgage lender for your needs is vital and involves far more than simply applying to your current bank. There are many mortgage products to choose from, lenders which offer them and interest …

Your new credit card finally arrives in the mail. As always, there is always a big sticker on there that says STOP – before use you must call this number to verify receipt of the …

There are far too many of us who ignore the basics of personal budgeting and make the whole process far more complicated and less likely to succeed than it ever need be. The basics of …

The idea that government has to provide health care for people is just plain crazy. Can you imagine how many people in this country are abusing their bodies? The abuse of alcohol, recreational drugs, cigarettes …

Mortgage protection is a major component of a life insurance needs analysis. By no means is it the primary reason for acquiring or keeping a life insurance policy. There are several other components of a …

Accept no substitutes. There are many pretenders taking on the pound moniker but this one is the real deal. Forget your local high street pound shop, on the whole they will sell you junk, forget …

During a recession, many of us look for substitutes for luxuries that we have become accustomed to during wealthier times.  As the term ‘disposable income’ becomes no more than a distant memory, we’d all like …

It is perfectly possible to be working full time in America these days and still be poor, simply because life is lived from one pay check to another, with no chance of improving ones financial …

Renter’s insurance is a type of insurance that protects personal property. When personal items are stolen, it is beneficial to have renter’s insurance because it will cover the cost of these valuable items. Although renter’s …

Here in Singapore, there’s a certain income level to attain in order to be eligible for a Credit Card. Thus, someone paying with plastic, as they say, is often regarded highly, equating to someone of …

Buying a home requires more than money for a down payment. Upon buying a home, other costs of living increase. Because purchasing a home is an investment, careful calculation of costs prior to purchase will …

The UK capital gains tax legislation includes a relief in respect of capital gains on the sale of a person’s principal private residence, this being the main home where a person lives. The principal private …

College these days is an expensive ordeal to say the least, and you are going to need all the help you can get. There are many ways you can go when it comes to getting …

Getting started with investing can be as easy as opening a savings account. A savings account may have been started as early as childhood by your parents, and continued until you were an adult. This would definitely be a …

Variable Interest Rate: A variable interest rate loan, often referred to as an ARM (adjustable rate mortgage) is a mortgage that has an interest rate that can adjust. Typically, the interest rate is tied to …

Like it or not, if your home is flooded as a result of rising water, due to a river overflow or a rise in the level of an ocean or a lake, if you do …