Millions have at least one thing in common, living paycheck to paycheck. Sadly, this wide-spread way of living is even more troubling in a declining economy. Everyday, one has to face the challenges of paying …

Advertisements are everywhere. No matter where you go, it’s almost impossible to escape advertising. There are billboards on the highways, magazine ads, newspaper ads, advertisements on TV, internet ads, even ads on clothing. Companies know …

Macy’s is an excellent place to shop.  They have a wide selection of items, including those for women, men and even the home (sometimes even in two stores in the mall).  They offer numerous ways …

Say no to payday loans Payday loans and tax refund loans are some of the worst legal scams currently available to everyday consumers. Loan sharks from the mafia give better terms than these guys. In …

Freelancing is a very rewarding and flexible career. It can be said that freelancers are the masters of their time and the captain of their successes. However, freelancing isn’t entirely a bed of roses. Freelancers …

Health Savings Accounts:Save Now, Save Later As health care costs explode, health insurance policies with high deductibles are becoming increasingly prevalent. By leaving more costs for a patient to cover out of pocket, rapidly rising …

A significant portion of Western economies are consumption based.  No matter what a person does, we consume: food, energy, goods, services and many others.  But when it comes to the most basic aspects of consumerism …

Mananging Your Money While Laid Off It is unfortunate to one day get a letter stating that your job will be ending in eight weeks due to down-sizing. It is especially devastating to not be …

Personal debt is inevitable in the majority of households and is often split between instalment debt and revolving debt. Instalment debt in the form of mortgages and student loans is usually a set monthly amount …

Risks are inevitable because life is inherently uncertain. However, it is not prudent to take a risk if you cannot assess the probability of loss or gain. Insurers are duly aware of this. That’s why …

No one likes to pay taxes. If there’s a way to avoid it, most people will try to take best advantage of it. An Individual Retirement Account (IRA) is a tax-friendly retirement savings plan. In …

Fun With Wills I wrote my will last night. Didn’t quite finish it, but came close. I am not ill or feeling particularly morose. I simply have been putting it off for ages and finally …

Christmas is a blink away and if you are reading this, you too are a last minute Charlie.  No worries. You can get everything done in time and with ease. Don’t even let your blood …

Knowing what you want, and working on what you can afford for a budget will help you a lot in your efforts to acquire coverage for your health concerns. Remember that you will not be …

Here are 10 tips to improve your chances for success with covered call writing: Tip #1: No earnings release dates before option expiration Stocks are extra volatile just before and after an earnings release date. …

Making decisions concerning your home can impact your homeowners insurance coverage and price. The more you know about insurance, the more likely you are to keep from making mistakes that can cost you money. Here …

Understanding IRA investment options includes understanding the distribution rules.  If you make the wrong decisions after the investment is made, you can seriously affect the benefits of the investment. The key to understanding the IRS rules on …

Question 1 Who in the world uses the most oil?Question 2 Where do the oil users get the oil from? If you answered, 1) “The western countries”, and 2) “The Middle East”, you would be …

In the past, if you got into trouble with debt, it was easy to contact your attorney and file the necessary paperwork, and you were off and running with a clean slate, ready to start …

Auto insurance rates can be expensive, and no matter how much you hate it, most states now require minimum amounts of liability coverage to be carried on your vehicle at all times. Drivers in the …

Payday loans as part of a free market society is very much consistent with it. Payday loans are nothing more than a very short term loan at a high interest rate to make it worthwhile …

American Express has entered the prepaid card market with its own prepaid reloadable card. Refreshingly the company does not refer to the card as a prepaid debit or credit card, a misleading term used by …

The most compelling reason for students to use credit cards whilst in college is to establish a credit rating that will stand them in good stead in the future. Capital One has introduced the Journey …

I’ve been a mortgage loan officer for 5 years. I am only telling you this story of my fraud scheme because it is such a sweet deal. Sure, I’ll keep doing it until it is …

There are a few things to consider when deciding on whether or not to put through an insurance claim Fault Determination Fault percentage is established for every collision. The degree of fault is established using …

Unfortunately, with a difficult economy, some people need a little extra cash from time to time. Unexpected expenses can make it impossible to make it to your next paycheck without a little assistance. If you …

There are some stones you must overturn before investing in tax deeds. These stones once discovered and overturned will lead you down a path of successful tax deed investing. While a novel would need to …

Do you want to retire? Maybe you just want to figure out how to pay for college, or how much money you need to save in order to buy a house. Whatever your goal is, …

Generally, a typical real estate contract will include terms that specify reimbursement to the buyer or seller, should one default from the business agreement. Without this provision, should the buyer of said real estate fall …

So it’s your senior year of high-school and it slaps you in the head that you’re going to want to go to college next fall, and you didn’t save any money to do so! Unfortunately …