Sticking to a budget can require self restraint, and careful spending habits need to be mastered in order to stay within budget. However, there can be times where unexpected expenses cut into the budget that …

When you decide you are ready to apply for Social Security retirement benefits, there are multiple ways to do so. One way is to fill out the four page Social Security Benefit Application form online.  …

There are many myths that surround homeowners insurance. Here are the 10 most common: 1. If my home is flooded my homeowners policy will cover it.Homeowners who are concerned about flood damage should consider purchasing …

The best way to absorb a loss painlessly is to try and avoid it in the first place. The legendary investor Warren Buffett opined the following two rules of investing: Rule one: Never lose money. …

When you spend more than you earn or when you make impulsive financial choices (such as buying that expensive leather jacket that matches your  leather boots even if you have to work overtime for a year …

Whether children should have life insurance or not is a contentious issue. This is primarily because there are few reasons to do so. Some financial advisors believe that life insurance should act primarily as household …

There are a variety of forms available for insurance companies to use when creating a homeowners insurance policy. They have the option of utilizing forms created by another company. The ISO (International Organization of Standardization) …

Online banking can be extremely convenient, time-saving, and cost effective. However, it can also be very frustrating. I would suggest familiarizing yourself with the online banking systems of any of the companies you bank with. …

American consumers who visit the website www.annualcreditreport.com will see the following message: “This central site allows you to request a free credit file disclosure, commonly called a credit report, once every twelve months, from each …

How to Buy Land for a Retirement Home in a Foreign Country Like many Minnesotan’s, my husband and I leave freezing cold temps to enjoy sun drenched beaches in the Caribbean. After spending 20 years …

Stock market software should provide current updates. It should be user-friendly and easily customizable to fit the needs of the investor. Investors want to invest in stock not be dumbfound how to operate their software. …

Every person that has ever been in debt or ever will be will want to eventually be out of debt.  Having collection agencies call and receiving threatening letters, not to mention low credit scores and …

Many credit cards have different types of reward programs and many of them should immediately be disregarded. However, there are some that are worth looking into if you are the type of person that has …

I have zero doubts that the people writing to the NO side are business owners of some sort. Baring that in mind, i still have to say that employers have an obligation to their employees. …

Apartment buildings can be a great real estate investment.  Although they will be far more expensive to purchase than a single-family home, there are many benefits that can be obtained from investing in an apartment …

In the United States economy, we have things that are referred to as “financial markets”. Some of you may be asking, what exactly is a financial market. Well by definition, a financial market is a …

Typical banking services are designed to serve basic and perpetual financial needs. At the consumer level most people need somewhere to put their money so a savings account is fairly standard. Also, many people require …

We rely on credit for many of our purchases, most often our vehicles and our homes, since these are high dollar items that we do not pay for in cash and typically require a loan. …

Guaranteed Lifetime Income (GLI) is a promise, typically made by an insurance company, to pay you an income for the rest of your life, no matter how long you live. With life expectancies increasing many …

A 401K loan is literally a loan borrowed from a 401K retirement plan. Since 401K’s are managed retirement plans, and regulated by the U.S. Department of Labor, the policies implemented by 401K managers tend not …

The government has earmarked $8 billion to expand the Internet infrastructure in the United States. In addition, the government will foster partnerships between the public and private sector to enhance and expedite the success of …

The number of people across the nation that find themselves holding thousands of dollars of debt increases each year and the numbers will continue to grow as the economy continues to slow. Many people that …

In order to determine if one partner of an unmarried or cohabiting couple may claim the other partner as a dependent when they file their taxes, the first question to ask is whether they are …

To understand a secondary financial market (frequently called an “aftermarket”), it is helpful to know what the primary financial market is. A primary market is one in which stocks or other financial instruments are sold …

There are four ways to choose a Medicare Rx plan, otherwise known as a Prescription Drug Plan (PDP). Here they are in order of worst to best: #4: Put the names of all the PDPs …

In this economy debt can seem like a never ending stream. Fortunately, there are many ways to reduce debt. Reducing takes plan of action and discipline. Lower utilities One of the easiest ways to lower …

It appears to have been forgotten that Australia’s development as a nation, the building of our nation’s reputation overseas and development of our trade partners is largely due to the efforts of those who have …

Knowledge of the types of life insurance available can help you avoid buyer’s remorse. There are myriad life insurance plans that are designed to suit different needs. The primary division of life insurance plans is …

There’s an invisible industry that’s collecting information about your financial history, and it will keep popping up to surprise you again and again. Many people aren’t even aware of their credit history, until they discover …

Let’s face it, we all need to eat. It basically comes down to our survival. Do we need to spend a fortune doing it? No. Families need to become shopping savvy in order to keep …