The main reason to quit playing the lottery is the fact that you’re extremely unlikely to win the ‘big one’. Even if you have a couple of numbers come up on your lottery ticket and …

Prior to the Internet, shopping for car insurance could be a terribly frustrating and difficult experience. Getting more than one quote meant either calling or actually visiting the agents of different companies. All of them …

When the siren’s call of ‘Spend, Spend, Spend’ is met with the battle cry of ‘Charge It! Charge It! Charge I!’ the consumer finds themselves sinking deeply into debt. No matter how hard they struggle …

Borrowing I recently applied to refinance my three year old mortgage with a mortgage broker. He was concerned by the ratio of credit card payments to gross income. Most of this was an American Express …

The harsh reality of foreclosure can loom at anyone’s doorstep. For numerous reasons people are unable to make ends meet. If you are in danger of falling behind on your mortgage payment or you are …

Using a debit card has become one of the most convenient ways to pay for purchases. Everything from a cup of coffee to gas – the debit card has replaced the use of cash. In …

Thinking about Life insurance Many people do not want to talk about life insurance because we must envision our inevitable death and all the sadness around it. However, the events around our death may be …

If your teenager is to be successful in life, they will need to learn ways to manage their money effectively. Some teenagers are careful with how they spend their money, while others are more reckless. …

Planning ahead for retirement is a question most don’t take serious until its too late. There are many things you have to decide when planning your retirement. Most people have a tendency to focus on …

Ronald Reagan reportedly said that “The nine most terrifying words in the English language are, ‘I’m from the government and I’m here to help.’” The government said it was going to help banking customers avoid …

Centuries ago, human beings were hunters and gatherers; today, little has changed. Instead of foraging for berries with baskets and poaching wild game with sharp sticks, today’s hominids hunt bargains and deals. Modern day man …

Whether you are investing in commercial real estate or residential real estate, there are many pitfalls and traps that you can fall into that will hurt the return on your investment. As such, you need …

Borrowing money or taking out that loan may cost more than you think. When people borrow money or take out a loan, whether it be a personal loan, student loan, or car loan they often …

One of the most important investments you can make is your home and to protect your investment homeowner’s insurance is key. Insurance rates can vary and it is important to know all the factors that …

FHA Cash-Out Refinance Changes The Federal Housing Administration (FHA) made some changes to this popular refinance loan effective on 1 January 2009. It is still a very appealing loan, but the FHA raised some of …

Whenever someone borrows money, regardless of whether the loan is for education, a home, a card, or in terms of credit, there is usually something called an annual percentage rate (APR) involved. This APR is …

Financial planning takes the past, present and future of your finances into account. If you are only now establishing a financial plan, you might have debt burdens from the past, current living expenses from the …

You’ve seen her racing through the aisles at local clothing and department stores. She’s fingering the clothing racks, trying on jackets and robes without heading into the fitting room. Anything she touches is tossed into …

Baby stuff can be expensive. When taking into account the prices of common items like cribs, car seats, changing tables and other tiny tot paraphernalia, the overall financial commitment can be absolutely overwhelming – especially …

In today’s economic environment, it’s no longer practical for people to rely on company pensions or government social security to carry them through their retirement. People need to take their retirement into their own hands, …

There are times when some people come into money whether they earned it, inherited it, or perhaps they hit the jackpot at a casino. Regardless of how it is attained, it is their money to …

Wal-mart and target are two of the most successful chains in the United States today, with both boasting outlets in nearly every major city and town in the country. However although they both sell a …

With the baby boomers reaching retirement age, it’s eminent the government will face a lot of pressure in caring for them. This will push pensions to the limit and cuts will be made to house …

Changing market conditions comes from different factors such as government actions and policies that stimulate the economy, current events that slow down market activities, changes in economic activity, and investor attitudes as well. General conditions …

Whenever you purchase an item or service on credit (house, car, shoes, refrigerator, car repairs), you sign your name to a receipt or deed with a promise to pay. The lender will then ask you …

Having bad credit can prevent you from getting the loan necessary to buy a car.  Of course you can always pay cash for a car. However, chances are that you, along with most people, do …

The dictionary at hand, American Heritage Dictionary Second College Edition, defines risk as: 1. The possibility of suffering harm or loss; danger. 2. A factor, element, or course involving uncertain danger; hazard The Florida Insurance …

There are some real advantages to using the right credit card for ones needs, as well as perceived benefits which only serve to boost the coffers of the credit card provider. An ability to distinguish …

Renting a home or apartment means you are borrowing someone else’s space. Another person owns your dwelling, therefore another person must have insurance for this dwelling. At least, this is what most of us assume. …

The pleasures of home ownership are sharply curtailed with the rise of any liability issue. Fortunately, the early identification and resolution of potential threats can minimize liability problems. Homeowners should evaluate their individual home with …