Have you ever received a gift from a friend or family member and the gift was so awful and unsuitable for you that you had to force yourself to say thank you?  If so, you …

In today’s unsettling economy, many people are facing the very real possibility of losing their homes. Mortgage lenders entered into a greed-driven housing market creating mortgages with many different requirements and payment options. In addition …

When you are inundated by a deluge of monthly bills it can be difficult to keep track of them all unless an organized system for dealing with them is put in place. As the brown …

As a native of Florida and a resident for 27 years, I have dealt with several hurricanes as a renter, a homeowner, and a landlord. While the storm itself can be scary to someone who …

Liability insurance, in short, is a coverage that is designed to help individuals in the event that that are sued as the result of an accident or some other event. Liability coverage is standard on …

Should you spend your life saving for retirement while trying to maintain your current lifestyle? Well, no! Once you have decided you are not going to retire and semi-instead it is important to establish this …

The first step in reducing credit card debt is to review your situation. Then assemble the statements for each credit card that you hold and make a list of the companies. Have the telephone number, …

Swing trading can be very rewarding yet at the same time very risky. In the stock market, and probably in the whole investing world, the level of risk is at par with the potential earnings …

When people need emergency cash, the place they turn to most often is a payday loan lender. The payday cash loan companies help tens of thousands of people every day with their short term financial …

With the Great Recession of 2007-2010, the equity markets plunged to deep lows, devastating countless investors and their hard earned retirement funds.  These included many large retirement fund plans.   Even in good times, there can …

Prudence is defined as having caution with regard to practical matters. On first glance, this might not seem to have a lot to do with retirement planning, but it is actually very important for you …

The recently concluded economic crisis which directly struck the United States has had crippling effects to average American citizens. With millions of jobs lost and thousands of homes foreclosed, recovery from such financial disaster is …

The overnight interest rate is quite simply, the cost of borrowing money from financial institutions over a short amount of time. Overnight interest rates are set by large national banks such as the Federal Reserve …

I remember the first time that I was given the option to pay my insurance premium by automatic monthly draft. Frankly, I was not sure that I wanted that to happen. It went well in …

It would be a natural mistake to assume that a graduate PLUS loan is similar to the undergraduate PLUS loan, as they both share the same name. However this is not the case as parents …

To avoid going into credit card debt during the holidays, do not spend more than you can pay. This may sound simple in words, but it just is not that easy in real life. The …

Big changes are expected in the mortgage market for 2008. With rates so low, now is a good time to weigh your refinance options.. Have you been reading the papers or listening to the news …

Electricity costs can skyrocket during the cold winter months, making mouths drop wide when they receive their electricity bills in the mail. Fortunately there are many easy, do-it-yourself ways to cut costs of electricity at …

The most important difference between a CURRENT expense and a CAPITAL expense is that while the whole of the current expense is allowed as deduction from the receipts of business to compute the income from …

It’s no secret that buying in bulk is usually the way to go to lower costs, if you are careful to check out the “bargains”, and you have some method to keep and store your …

Desperation is where many are finding themselves because of the inability to make their mortgage payments. This situation is not limited to the USA. Global economic unrest has caused other nations like the UK to …

A reserve stock split is implemented by certain companies as a strategy to increase their share price. This is the opposite of normal stock splits. In fact, a reserve stock split means a merge in …

Though there are many ways to save for retirement, few have the power for long term growth than an Individual Retirement Account (IRA). IRA’s are individual retirement accounts that are maintained by a financial institution, …

When shopping around for homeowners insurance, most buyers consider the most common risks involved in home ownership and their relationship to the premium they will have to pay. These risks, known as perils, are generally …

Get out of debt – Getting out of debt is not an easy task and requires a lot of work and a change in your lifestyle. It can take several years to pay off debts …

An investment advisor manages your financial portfolio by guiding your decisions on what instruments to buy into and what to sell. The investment advisor is also licensed to place orders on your behalf and is …

Either for unexpected expenses or due to lack of proper budgeting, many people run out of cash and find themselves unable to make ends meet. Obviously, the best thing to do would be to count …

There are five steps that need to be taken before you can become debt free. First get organized, assess your situation, search for ways to cut costs, implement your plan, and stick to it. Anyone …

The global economic collapse has hurt a lot of middle and lower-class families.  The financial system’s demise, the inevitable collapse of our fiat currency and the sovereign debt that has plagued nations around the world …

HM Revenue & Customs require that businesses maintain specific records and a VAT account that is used to complete the VAT Return. A business may have robust systems in place to produce accurate information, however, …