Bonds are one of the investment vehicles used by investors.  Simply put, bonds are loans made by investors to the government or a corporation.  These ‘loans’ have different maturities and government/corporation should pay investor back …

Cut your electric bills by half! Sounds like an ad for something that will cost a lot of money now doesn’t it? Well it’s not. It is free advice on how to cut your electric …

In the current climate when many countries around the world are making cutbacks, disposable income is at its lowest level in many years. Tax rises and inflation are the key factors in ensuring that people …

Good Bye Grandma and Grandpa!I wish we were leaving on a vacation to a nice warm spot for the winter to ease the Mr. Arthur Itus in our bones. Maybe a cruise around the Hawaiian …

Rolling over your 401(k) plan is simple – but don’t let the simplicity fool you. It is absolutely essential that you follow the simple rules, or you will be hit with an unexpected tax bill …

You need to have sufficient homeowner’s insurance to safeguard against loss. How do you know if you have the right amount of homeowner’s insurance? Take a few moments to review your current policy and understand …

The first and most important advice about payday borrowing: don’t do it. It’s like taking out an adjustable-rate mortgage where the rate goes sky-high… except not in five years, but tomorrow. Having made that point, …

When I was a trainee underwriter back in 1985, a mid-level manager, “Mr. H.” once told me, “Insurance coverage is kind of like luncheon meat. Almost everyone has purchased it at one time or another. …

Merrick bank is a specialist in offering sub prime credit to those with blemished credit histories, with products which can help to build or rebuild credit scores, and does report to all three main credit …

Low rates on loans add up to less cost for the borrower and that is important when obtaining a loan whether it is for a vehicle, business, home or other purpose. Several factors go into …

I’m about to share some information that very few Americans are aware of. It’s not that it’s a secret, but because it’s a little complicated, it’s not talked about or promoted widely. Today I’m going …

The big question, which is better debit or credit? Well, it comes down the individual. Having a debit card and having a credit card both require discipline. Here are some advantages and disadvantages of each. …

When shopping for a car, chances are good that you’ve either seen dealerships or advertisements they have placed in newspapers or on the air that offer very low financing rates for new or even used cars. …

Our first financial advisor worked for a large investment firm and did O.K. for my wife and me during the bull market of the 1980s and 90s. Our retirement account (IRA) grew. But among the …

Some crazy peaks and valleys have been happening in the stock market lately!  For the laymen, it can be quite scary, and it also doesn’t seem to make much sense. In fact, some people have equated …

More people than ever are seeking ways of cutting their bills. Heating costs contribute as much as half of the average energy bill, and are a major expense for the average family, but fortunately there …

Collateral is any asset which is pledged to a lender in exchange for receiving a personal loan or other form of credit from that lender. If the borrower fails to repay the loan under the …

It is very important for Police Officers to be held to the highest standard of accountability one could be held to.  Police Officers are needed to defend the front lines of America and in order …

As a victim and survivor of domestic violence, I strongly agree that those accused and convicted of the crime should lose the right to bear arms. People convicted of nonviolent crimes lose their right to …

Each year, the IRS audits about one percent of all tax returns submitted by taxpayers. While this is a small number, an audit can be a real headache. Luckily, there are some ways of lowering …

Health insurance is a life and bank account saver that allows customers to pay for their health care, whether they need it or not. The odds are that having paid for health and preventive care …

If you are a teen who is going to work over the summer, you will have to handle your earnings wisely. Because you are likely to only work a lot of hours until the new …

It’s Tax time! These words can make our hearts sink; even make us feel and become sick!  If your tax return is anything like ‘oure’ , then it doesn’t bear thinking about!  That is what …

Homeowner’s insurance is a necessity and mandatory for most homeowners. It will automatically cover the home against fire, theft and most natural disasters, but there are important exceptions. Choose the correct coverage for homeowner’s insurance …

Although paralegals are not qualified solicitors or barristers, they must understand and be well versed in law and the procedures of law. Most paralegals serve alongside practicing solicitors. They are also referred to as legal …

Comparing Michigan auto insurance online will ensure you are getting the best coverage along with the best deals. Comparing rates online has never been easier, and it could save you hundreds of dollars on the …

A number of investments can have commissions or fees associated with them. However, a number of alternative investments do not require any commissions or fees. These can even be better investments than those that do …

With everyone watching their wallets, it is no surprise that clothing costs are a growing concern. People who work outside of their home have to worry about keeping their work clothing up to date and …

Buying a car and receiving the best possible price is not every car buyer’s experience. Some car buyers believe they should not bargain substantially when there is a price sticker attached to the car on …

Many people seem to forget that pensions aren’t what they used to be. Employers no longer foot the whole bill on the average American’s retirement, but fortunately we do have the 401k, and that allows …