There are many things that affect your mortgage rates. Your creditworthiness is probably the biggest factor that affects your mortgage rates. If you are a high risk borrower, the bank or lending institution from which …

When I was in high school, I listened to the same doctrine spoken by academic “counselors”. “You must have a college degree in order to succeed in America.” This statement was ingrained into my psyche.  …

In an article for Discovery Finance by Ryan Smith (May 2011), the following facts were revealed. There are about 5 million retirees in Canada. Their average income is $42,000. The net worth of these retirees averages …

The Credit Card Accountability and Disclosure Act (CARD) was signed into law on May 22, 2009, in response to concerns that predatory credit card companies had been profiting excessively by taking advantage of people who …

Financial security and independence is one of the most common dreams yet only a very few achieve it. For some reason, everybody wants to be financially free but most people are not willing to pay …

Many of the financial disasters that people experience today are because of their own actions or inaction on certain financial decisions in their lives. In some cases, this is because of ignorance of basic financial …

All insurance providers are not alike. There are nation wide types of insurance companies and there are those insurance companies who specialize in only a very few kinds of insurance. You should also know that …

Seems like everything is skyrocketing these days. Add health insurance costs to the lengthy list and there’s a crisis that’s out of control. The result is a steep decline in the amount of people who …

Amendment II- 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 upon. This is known as the …

To lease or to buy, what a question! The main differences between the two finance options (leasing or financing via a loan) is that a traditional car loan will eventually be paid off, much like …

Interest is a fee charged for the use of funds. It is the “rent” charged for the use of money. Interest is the mechanism that makes the lending and borrowing of money between two parties …

The lowdown on Stock Markets /   A Primer on Stock Market Investing The most common parlance used in business and financial sectors worldwide, is perhaps ‘the stock market’. The frenzy wrapped around this phrase has …

As a licensed insurance sales producer/agent, it is my responsibility to make sure my customer’s homes are adequately insured. One way we do this is by running a Replacement Cost Estimator. This program compiles the …

Saving and spending are habits. Both work against each other and the one that you feed the most is the one that will dominate. If you develop a spending habit, saving will be so difficult …

A bank is a establishment which offers financial services. Banks offer many services including a way for individuals to store money in a safe way, checking accounts, saving accounts, ATM services, loan services and currency exchanges …

Your credit score has gained importance in the last few years even more, and regularly used to determine your credit-worthiness. But if you think that only credit companies and banks do use and check your …

Simplifying the usual tiered interest rates which credit cards levy, the Clear credit card issued by the Co-operative Bank offers just one APR for all transactions. Cash advances, purchases and balance transfers each attract one …

Binary Options A binary option is when a buyer enters into a contract to purchase an underlying asset at a fixed price at a pre-determined time in the future. Different from buying stocks and shares …

When the subprime mortgage crisis struck, everyone was looking for someone else to blame. It is very simple to blame members of Congress, banks, and even borrowers with less than perfect credit. The fact of …

A person seeking to receive Social Security disabilities benefits, must first gather as much information as possible, before going to the Social security office. They will ask you many of questions, however, don’t be afraid …

An autosurfing or hyip is a type of online investment where you pay a certain amount, and you get a variable return on your investment. Since it is online, many of the investment programs are …

In a tough economy everyone must make lifestyle changes. Only those who are smart about cutting back will survive a recession. It isn’t just the middle class that needs to cut back either. Those who …

Becoming wealthy doesn’t happen overnight. It takes hard work, discipline, sacrifice, and patience. Here is a good start to saving a bit of extra money on your road to wealthiness: 1. Make a budget! This …

Call any bank and ask what the CD rates are and chances are you will not like the answer. Rates are dropping and the days of a 5% CD are gone. According to the Federal …

My wife and I are having a running battle about this topic. That means that she’s ready for battle and I’m running. Is it better to own a house or is it better to rent …

Tax exemptions are a major benefit associated with contribution to annuities that are qualified’ or registered’. Annuities are medium-to-long term investment products, some of which offer tax deferral on contributions. In the case of tax-deferred …

In yet another sign that the United States economy is still a shadow of what it used to be, some alarming news was just released.  The sale of new homes in the year 2010 fell …

Buying life insurance for the first time can be a confusing experience. Shoppers are unsure of what certain words mean, how the policy works, and why they even need life insurance. They may have a …

Whether you own your home or rent, insurance is necessity to protect your belongings. Renter’s insurance helps cover your property replacement when a covered peril occurs. It is important to have enough coverage for your …

Inexpensive yet responsive Auto Insurance is what you need the most. Don’t end up buying a very cheap Auto insurance without knowing what you are getting into. Later on when it is time to settle …