Today’s teens have grown up in a plastic culture and may look to obtain a credit card of their own at an early age. Credit cannot be issued to teens under the age of eighteen …

The risks of hurricanes, tornadoes, floods and other disasters make your home one of the biggest investments you need to protect. You don’t want to wait until after disaster strikes to learn you haven’t enough …

Real estate bubbles occur when a market is over heated and people are still investing in property for profit, but the supply is on the verge of out pacing the demand for homes. When it …

Buying your first RV?  You would be wise to understand your insurance needs and then shop around for quotes that include appropriate coverage to get your RV insured properly.  If you, like most folks, are …

Lending credit in today’s society is fraught with danger. This is not least because of the amount of small debt that can spiral out of control. The problem with lending credit is that many people …

In most cases, it has always been illegal in this country to shoot and harm or kill another being. Sometimes the laws are followed and violators are prosecuted and given sentenced by a judge. Sometimes …

Some months back I got a new roomy, yet stylish, purse. I was excited about it because now I would be able to accommodate all the things a young mother might need for three active …

In the beginning, the media placed blame squarely on the lenders. The intellects of the industry finally spoke out and sited the truth that everyone involved was to blame for the sub prime free for …

Investing in stocks is a good choice, however when common stocks cost under $5 per share these are known as penny stocks. New companies who are in dire need of capital are mainly the ones …

Debt is like gaining weight. It’s very easy to add on the pounds, but it takes diligence and a focused mind to shed them. With determination and patience even the biggest shopaholic can become debt …

Many people wish to lower the amount that they are spending each month and save a little money. One essential expense, but one that can also be costly, is paying for electricity. However, there are …

The day after the Thanksgiving Holiday is known as “Black  Friday.” That particular day is considered to be the first day of the Christmas Holiday season. As such, Jewish people and Christians everywhere on Earth celebrate …

Financial Professionals usually advise individuals should purchase a life insurance policy with a stated benefit of amounts equaling or exceeding five times their salary. When considering the amount of life insurance to buy, a more …

How to choose the right level of renter’s insurance for you Whether you are renting an apartment or living in your landlord’s basement, renters insurance is an essential option to consider. Many people don’t realize …

The credit score may be the most important financial tool you have. Creditors use this number, calculated by credit reporting agencies, to determine how much of a default risk you would be as a customer. …

In these cash-strapped times – insurance is prudent when it pays. Here are a few simple day-to-day household examples: If you’re thinking of buying insurance start with the cost of the monthly premium and first …

We all know that if we want to have any sort of true wealth we must do much more than work and put our money under a mattress. We all know that we have to …

If you bought your home when interest rates were higher then it is worth considering refinancing to move onto a lower interest rate. There are certain considerations to take into account before you go ahead …

For investors moving from single family homes or something like duplexes, graduating to apartment buildings brings with it a whole new complexity along with the potentially greater profits. Due diligence is extremely important. You should …

It is never easy to reduce your family’s spending. It requires giving some things up or at least changing things and no one likes change. When times get tough however, something has to give and …

Investing to win is always a tricky thing. The fact is that when you play to beat the market, you are taking unnecessary risks. The secret to winning is diversification and time. 1. The main …

Debt is a crushing burden to carry, especially in these hard economic times. It causes many people, today, sleepless nights and affects their mental and emotional well-being. During the boom times, governments, banks, lenders, and …

“Conventional banks look for the rich; we look for the absolutely poor.” Dr Muhamaad Yunus, founder of Grameen Bank. Conventional banking is driven by profit and the interests of shareholders. Bankers lend to those with …

There are many ways that people can achieve wealth.  If you look at any two wealthy individuals, they may have done it in completely different ways, yet there are things that will help you do …

Im very lucky I have a good job, supportive family and friends and a pretty comfortable life style. I try to help others where I can and support a number of charities that are dear …

It is important that you gauge how much you are spending. This is because in order to get an estimation on how much you are saving for the month or for the year itself, you …

The US Census Bureau tells us that thirty-seven million people in the US live in “poverty”. The census bureau is wrong. I have seen true poverty, and poverty in the US can not be compared …

Many look at bankruptcy as the final end solution for their financial woes. When we go way over our heads, the alternative is filing for bankruptcy, and although this is a good way to start …

If you’re buying an investment property, it must have positive cash flow. I know that sounds obvious, but you’d be surprised. Some properties only work if they’re purchased for cash, others for as little as …

There are no ‘cookie cutter, one-size-fit-all’ solutions to problems as vast as making health care affordable, and thinking that requiring businesses to pay for insurance is even a small-step solution to the problem is factious. …