Having an emergency savings fund is like having an insurance policy but without the need to pay monthly premiums. Your emergency fund is there to get you through any of the brick brats that life unexpectedly throws at you. …

“FREE CREDIT REPORT!” the faceless voice blared in tandem with the bold type on my TV screen, “For YOURS, go to freecreditreportforunow.com”Okay, I was in. “Free” is a wonderful word, and I DID wonder what …

More Government Ineptness:  The Appliance Rebate Program We can only hope that most states manage this program better than Texas did. The Appliance Rebate Program (ARP) actually is a good idea by the Obama administration.  …

Television used to be one of the cheapest forms of entertainment.  However, if you’ve looked at your cable bill lately, you’ll see that prices for cable have risen drastically.  If your cable bill has gotten …

The good news is that much of the change involved in the new FHA requirements for a second appraisal for FHA cash-out refinancing, isn’t new at all. Many of the FHA refinancing requirements have existed …

Should businesses be required to pay for health care insurance? Absolutely not. Is health care insurance unbelievably high? Absolutely. Are ridiculous law suits causing the malpractice insurance to increase, which causes the premiums to increase? …

In spite of all of the criticism about sub-prime mortgages, one must be philosophical when they look at the bigger picture. There is no doubt that hundreds and thousands of homeowners were negatively impacted by …

Experts estimate that nearly 40% of adults across the country are carrying significant amounts of debt and the total amount of consumer debt across the nation has climbed to record high levels. Many people are …

Many homeowners’ insurance policies will cover students’ belongings away from home. This isn’t always true though. Before your child heads off to school, you will want to find out what your homeowners insurance covers. The …

Marketed as a credit card to help rebuild bad credit, the Anacott financial credit card has proved to be nothing more than a scam, fleecing $99 from applicants who were drawn to the rather generous …

After all of the big and important items have been implemented in cutting expenses in order to save money in your budget where do you go next? What are the things you can do to …

This writing, of Information needed for a mortgage loan includes a list of documents required to obtain the loan and inside tips for smooth transition when acquiring the desired real estate. When contemplating to purchase a home …

I have walked into a whole new life, a life that seems to good to be true and too true to be perfect. Tiger, my little brother began climbing on the dashboard, in search of …

Investing in real estate can be an excellent way to make money or a good way to destroy oneself if common sense is not applied. First and foremost never get emotionally attached to a property. …

If you are in need of an emergency loan, then on-line cash advance maybe the answer for you. These loans can be completed on-line by simply completing an application and normally you will be notified …

A free market is by definition one that is unregulated by any factors other than supply and demand, so in that sense, payday loans are indeed consistent with the free market. There is a demand …

As a college student you might be more interested in how you are going to make the money you have last until the end of the week than you are in thinking about investing while …

Reducing debt is something everyone knows how accomplish, but only a very few ever can actually succeed in doing it. What strategies will it take to remove that heavy burden from your mind and wallet? …

One way or another, you built your debt slowly. Whether it was going out to eat on a credit card and then paying the balance over time, or having an emergency hospital bill that you …

Shopping is the past time of many people, both men and women. It is fun and sometimes necessary. As in many activities, there are good habits and bad ones too.  Some shoppers have some very …

Paying insurance premiums often feels similar to washing money down the drain, until you need to collect on the policy. Then you are really glad you had the foresight to get the insurance. It is …

Retired military members receive a number of benefits for their time spent in the service. One of these benefits – one that often keeps military members fighting the fight (so to speak) in order to …

First and foremost, let’s establish the fact that an unborn child, zygote, embryo, fetus, “uterine package,” whatever you prefer to call him or her, is a living individual human being. The main Harvard Medical School …

A large majority of Americans are looking for ways to save money. There is a lot of talk about how to save on groceries and how to live debt free, but you seldom here about …

These days many different kinds of precautions must be taken to preserve the value of ones property. Such property can be in the form of a building where you live and/or work. Then again, what we …

Because of inflation, which is probably three or four times higher than the government is reporting, and because of the falling dollar, you have to get a certain minimum return on your investment or you …

Everywhere we turn now days, there is an insurance ad challenging us to dial a toll free number or visit a website in order to save 20-50 even 70% percent on auto insurance. The overwhelming …

The Value Added Tax (VAT) is the UK’s consumption and sales tax. Normally, the tax rate is 17.5%, rising to 20% as of 2011. However, in many cases food can be zero-rated, meaning no tax …

There is a new disease in America that is quickly spreading. This disease resulted in the loss of jobs, divorce, loss of possessions, and even premature death in the lives of it’s victims. The disease …

You can find them almost anywhere. They are present in urban strip malls and stand alone storefronts across the nation and lure many unsuspecting individuals into their clutches. I am talking about payday loan lenders, …