Normally interest rates are related to loan instruments. One of the factors which decide interest rates is the term or duration of the loan. The loan term can be longer or shorter. The word “overnight” …

Why are credit card settlements so popular in the US? There are many reasons why credit card settlements tend to be more popular in the United States as opposed to other countries. Americans have gotten …

During these hard economic times, most people may, sooner or later, have to sacrifice the extras in order to keep the basics; food, clothing, shelter. At least, that is how it appears at the moment…during …

People do not buy car, house or health insurance because they know there will be an accident. They buy it as a gamble that there might be one. Those who do not have health insurance …

Retirement is something to take very seriously, especially in the United States where we have a negative rate of savings (over the last year or so anyways). Being prepared for your retirement and participating in …

A Bird! A Plane! No! It’s Tax Free Man! Spring. The robins flock back from the south. Trees bud and flowers blossom. The sun brings new warmth and renewal to the earth. But who’s that …

Labeled the ”death” tax by its opponents, the estate tax is a tax that is imposed on the transfer of “taxable estate” of any deceased person, regardless of whether the property is transferred via a …

Many of us know David L. Ramsey III as an outspoken financial counselor, an author, and the radio host of “The Dave Ramsey Show.” His advice is certainly several deviations from the mean of what …

You might think that investing means getting into high level financial instruments that are best left to the experts, but the truth is you can start with even a small amount of money and it …

Payday loans are nothing more than a loan shark in disguise using the “free market” tag to their advantage. You are correct, there is a need for quick money, that’s why there are so many …

Payday loans offer individuals the opportunity to receive an advance on their next paycheck. This can be useful for those who do not possess credit cards or lines of credit to rely on when they …

Opening a Bank Account: Establishing a bank account and a line of credit will be one on the top of your list of things to do if you are considering living in Germany (or Europe …

As the cost of college expenses continues to rise, students and parents alike are scrambling each academic year to get the money needed to begin school or continue school. While no one will argue against …

A cash out refinance allows homeowners to refinance their existing mortgage by taking out another mortgage for more than they currently owe. The instability of financial markets, however, has tightened credit and made cash out …

Just when you thought it was safe in your own home! Keeping your child, and family safe, in your home is almost like putting on a stage production. You are the director, your home is …

In order to lower their risk of exposure to the foreclosure market, banks are pressuring appraisers to low-ball their final appraised values. This practice is fueling more downward pressure in an already weakened real estate …

Coupons are an asset if they are used right. And used right is using them to lower the prices of the food you usually buy and not buying the food simply because it’s on sale. …

Investing in Tax Deeds really is as easy as shown on the television. There is one vital key to getting things done right without ending up in a sea of paperwork and confusion whilst holding …

With the prices of groceries skyrocketing out of sight, many more families are turning to coupons as a viable means of not only getting by, but to save money. While couponing does take some time, …

At one time much of the private sector hired and forced children to work at ungodly, long hours beyond belief. Society changed, laws changed and the private sector changed. We now have forty hour work …

It’s hard not to sit on a bus, walk by a fellow pedestrian or stand in an elevator without a person looking at his or her phone and staring endlessly at Facebook, Twitter, Pinterest, an …

You have been called up to deploy and you have a list of things to do.  Start by calling all utility companies you may have contracts on including cellphones, DirecTV, etc. and get a suspension …

There is a saying, “If you fail to plan, you plan to fail.” Never has this been truer than having a financial plan for your life. Without a plan, your financial future is akin to …

Shop small, shop local. Instead of just about killing yourself trying to get major deals at well known stores such as Target, Wal mart, JC Penny’s, and a host of other stores, do something different …

An Easy Guide to Loan Amortization Loan amortization is just a concise way of saying how much and how fast a loan is repaid. A loan amortization schedule allows the borrower to track the amount …

Don’t be confused by thinking that annuities are just another investment vehicle. Most annuities are insurance policies that pay out to the living and end with death. They are roughly the exact opposite of life …

The Second Amendment reads:  “A well regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed.” According to the Supreme …

A woman shouldn’t have the right to abort a baby because she’s aborting a different individual. It’s not her body she’s aborting, it’s a child she’s aborting, therefore she shouldn’t be allowed to take another’s …

Debt. Everyone hates it, but everyone has it. Credit card debts are the worst of them all. That revolving door of credit never seems to stop spinning. There is, however, a light at the end …

Please do not listen to anyone who says that its okay to handle a claim by yourself. A little fender bender can become a huge headache very quick, and if you are not ready for …