The absolutely ideal way to handle your credit card is to never carry a balance from month to month and thus avoid all interest charges. There are exceptions to this advice though and an excellent …

Life insurance is a very broad category of insurance that covers any number of products from annuities that pay dividends later in life to term insurance, a simpler policy that pays out a lump sum …

What is the number one benefit of term life insurance? It is cheaper per unit than any other life insurance policy. So, you can purchase more coverage for less money than any other type of …

Now is the time to consider doing all of those things that you have been putting off until rates dropped. It is time to consolidate loans or look into refinancing. Home equity loan rates look …

Shopping for auto insurance on-line is more than just a passing trend. It is becoming the only sensible option. That might sound intimidating to someone who is not use to buying products on-line, let alone …

Extreme saving plan If you are in a dire financial situation and have to go to the extreme with savings, re-defining what a bare necessity is becomes unavoidable. In this case, you will have to …

Judging from the state of the American economy in late 2010, most people put money, credit, banking and finance into the category of Great Mysteries That Can Never Be Understood Save By Great Experts.  Frankly, …

Getting out of debt can prove to be a big overwhelming task, but it can be done. Now, it won’t happen over night, as you didn’t get yourself into debt over night. The first step …

Over the last several years, millions of individuals across the nation have found themselves accumulating significant amounts of debt. Debt elimination has become more difficult over the years because many creditors have found that more …

The best way to “invest to win” is to go in with the idea that you’re here for the long-term, and you want things that will make you money in the long-term. Let’s face it, …

On a typical morning most people rush out of their homes, in order to go to Starbucks for a hot cup of coffee. To most people the day won’t be very productive, if they don’t …

As a beginner, you may hear the following bits of advice: i) Everyone should have life insurance ii) Life insurance is a waste of money You may be confused with conflicting bits of information about …

As a retired medical malpractice reporter as well as a sales representative for a discount health program, (and mother of three adult sons); I have certainly been around and participated in the family health insurance …

You might have heard the word “convertible” in relation to few financial terms like bond, adjustable-rate mortgages (ARM), preferred stock. If you have a bond which is convertible, you can convert it into common equity …

Being a product of the ’80’s, I always love to quote Gordon Gecko, Michael Douglas’s character in the 1987 movie “Wall Street”. If you are a fan, you will remember Gecko addresses the stockholders of …

Has it happened to you? You buy a few things on your credit card, and don’t get around to paying them off. Before you know it, the bills are so big you dread opening the …

I retired 16 years ago and haven’t looked back once to see if a “fowl” decision was chasing me. On the day after my company held a retirement ceremony for me … which I did …

Despite school lunchtimes being the one meal of the day that you do not spend with your children, it can be the most challenging meal of the day for a parent.  First you have to …

For most people life involves things like setting goals, buying a house and a car, going to college, and sending the kids to college. With plans like that, one of the most basic needs is …

The instant response to virtually every problem that presents itself to modern humanity is that “the government should do something.” While there are certainly areas in which the State provides the best or even the …

Cancellation of insurance and non-renewal of insurance have a similar result: in both cases, you no longer have insurance with that particular company. Apart from that, they are quite different. If you compare having insurance …

Should a woman have the right to choose abortion?  That is one question that raises very many different responses and opinions. While being against abortion I do strongly agree that women should have the right …

WHY YOU DON’T NEED MUCH MONEY TO START INVESTING You can invest small amounts of money surprisingly easily – and profitably. Small investors have more options that ever. Small investors are welcome in employer sponsored …

The bodily injury liability coverage portion of an insurance policy may sound easy to understand, but there is more to the coverage than most people know. Many people mistakenly assume that bodily injury liability covers …

The Social Security system has provided benefits to retired Americans since 1940.  During their working lives, workers have a certain amount of their earnings withheld as taxes to fund the Social Security benefits of those …

While homeowners and other players in the housing and mortgage industry have been covered in detail in the news during the recent financial crisis, one group of society that has been neglected is renters. Many …

The American Opportunity Tax Credit is an educational tax credit that mostly benefits parents of students under the age of 24 and recipients of the Hope Scholarship Credit. This tax credit was instituted when Section …

The teenage stage of life is one of the interesting stage in the human life. It is a stage where many people today made or marred their entire life. The teenage stage of life serves …

Car insurance is a competitive market. There are many options to consider when purchasing and maintaining car insurance. When do you know that is a time to change the carrier? One large factor is the …

How Do 1031 Deferred Exchanges Work? It seems that no matter what you do with your money or where you put it, the government wants some part of it. You can’t even buy a cheap …