If you are like millions of Americans, you are financially strained because of excessive amounts of debt.  Debt will eat away at you financially and emotionally if you are not careful.  So, instead of allowing …

There are two keys to organizing your paper work before preparing your income taxes: 1) use common sense and 2) know some of the basic rules.While it is important to have the receipts for medical …

Homeowners insurance can be expensive, but unfortunately for most people it is one of those “necessary evils” for protecting what is probably their most valuable asset. The home often represents an individual’s primary method of …

Are you glad because you finally got your first credit card? Were you eager to use it right away at your favorite shopping mall? Pause for a while and read these tips for the new …

Tax refunds are essentially the governments way of telling taxpayers that they just got a free loan.  Anyone that receives money back on their taxes is simply giving the government more money than they are …

Stock market investing: A miracle for the world Throughout all of mankind’s history there has never been anything that has created as much wealth as the stock market. Millions of people have amassed their fortunes …

Auto insurance can be very confusing, especially for first time buyers. Many different types of coverage is available to protect your most important investment. Knowing the types of coverage available can help you make a …

For the average consumer in need of an insurance policy, regardless of the coverage type, the task of researching and obtaining appropriate coverage can be extremely overwhelming, especially when that consumer has no existing relationship …

Investment style, like many things in life, is very much up to the individual. Just as some people like dressing in stripes and plaid at the same time while others are more comfortable with solids, …

In the UK, the cinema is one of the most prominently enjoyed hobbies and pastimes. So many people enjoy going to the cinema whether with their friends, family or even their young children. The fact …

Donating to charities is extremely important. People less fortunate then others need help, and all people can offer help, even if they encounter financial problems. When it comes to the question which is more effective …

Babies R Us is like the oasis in the desert for many soon-to-be-moms.  They may spend hours at a time in this store of everything baby, drinking in the sights of adorable baby clothing, fascinating …

First, the Secure Fence Act (a law) calls for completion of a total of 854 miles of fence, but so far, only 17.9 miles have been finished. The deadlines are 392 miles by May 31, …

Most of the minors today think that they are free to do whatever they want even if their acts are contrary to law.  But that is only their presumption especially so if they are ignorant of what is mandated …

Filing your taxes has never been so easy; nobody likes it but we all have to report our income and to pay our taxes. It is still possible to file your taxes manually for people …

As the student looks towards financing college life they are about to embark on the world of personal loans, which will most likely be the first time they have dealt with such things. The world …

The Anti-Drug Abuse Act of 1988 facilitated the creation of a drug-free America as a policy goal. A fundamental provision of that acts was the establishment of the Office of National Drug Control Policy (ONDCP) …

A generation ago, the 401(k) retirement plan was unusual.  Retirement planning consisted more frequently of company sponsored retirement plans, supplemented by social security and traditional IRAs.  The growth of 401(k) plans partly reflect a growing …

The typical college student is burdened with debt throughout the college years and beyond. Both the federal student loans and private student loans are not issued directly to the student but to the college, and …

Patients consume health care but they don’t pay the bills. Health insurance is so expensive in America because third parties, the real customers (insurance companies, employers and the government) pay the bills and make decisions …

Taking out loans and credit has become the norm in today’s society. Instant gratification, ‘I want it now’ mind frame, and paying for things with borrowed money. Borrowing money has become easier than ever with …

Being Green Everyone almost everywhere has heard the usual tips on saving energy since childhood. Words like “close the refrigerator door, turn off that light, close the door we aren’t cooling / heating the entire …

Financial analysis is an essential technique employed by companies and economists to predict future trends and risks based on current and past statistical data. Financial analysts correlate data through various models which can then be …

It might be difficult to imagine that there are zero cost ways to lower your heating bill, particularly as we have become accustomed to just cranking up the heating as Winter bites, in line with just …

Surviving poverty in the US A few years ago, this topic would not have held any interest for me. However, now I find this topic fascinating simply because I also find myself in a position …

Can police departments be relied upon?  A question that seems to come up in conversation more and more these days.  People are constantly questioning whether or not they can rely upon their police departments.  The …

Will Clement Consent? The Alberto Gonzales ball is in Solicitor General Paul Clement’s court. What he does with it is anyone’s guess. Mr. Clement was a member of the Bush Justice Department for four years …

While many would prefer to believe otherwise, it is nearly impossible to function in today’s society without some form of credit. The lower your credit score, the more difficult it is to obtain personal loans, …

American Bankers Association (ABA) transit numbers, also known as ABA routing numbers, are 9-digit numbers which can be found at the bottom of most negotiable financial instruments, such as checks, in the United States. If …

Bank charges can be so overwhelming. It can cost you a lot of money and result in financial stress. However, bank charges can be avoided, or at the very least minimized. Knowing how to get …