Many people use loans to finance the purchase of a car, either brand new or used. The average auto loan in the US is taken for four years. However it is worth assessing the loan …

A personal budget is an essential part of your financial management. Most individuals often fail to stick to their personal budget due to various factors such as impulse spending, emergency, financial indiscipline among others. If …

Since its founding in 1902, the Triple A has made it its business to lobby for better roads and highways, promote safety, and ensure that motorists have some backup in their travels. The era of …

It’s not that long ago that the only way to interact with your bank was via their network of branches. Those were the days of the old-style bank managers, who you had to approach if …

Debt consolidation helps you to find relief from your outstanding loans and credit card debts. Knowing how to best go about debt consolidation is done with a bit of research, and some self-advocacy on your …

Precious metals, including gold, silver, platinum, palladium and rhodium, are important considerations in any investment portfolio. They are often used as a mode of diversification of investment and like any investment vehicle have advantages and …

The right term for a home mortgage depends on the stability of your finances, your family situation, your expectations of future interest rates, and your tolerance for risk. Mortgage terms and penalties for early withdrawal …

Bartering used to be a way of life. Farmers would barter with the doctor for a doctor visit, grocers would barter with the farmer for produce, and neighbors would barter services with one another. Bartering …

Everyone knows about credit card fraud and the dangers of somebody emptying our bank accounts without your knowledge. There’s no need to be alarmed if you take simple precautions. If you were to become a …

Companies Benefiting From Regulation of the Derivative Market One of the most obvious contributing factors to the current global financial crisis has been the long-standing and chronic lack of regulation in almost all sectors of …

You can be easily tricked into thinking that your neighbors are dealing drugs when they could in fact just be using drugs. Whether they are selling or just using them, you will see a lot of people going …

As parents, we see the need and importance of teaching our children about saving money and at the same time, also think that it is a very challenging task. The first impression of children when …

As you approach retirement, finding the right insurance agent can be difficult. The key word is trust. You need an agent that is customer driven not commission driven. Yes, your agent will make money if …

Becoming debt free may not be the easiest thing you’ve ever done. In fact, depending on the amount of debt you have, it could be a long road of self sacrifice. But if you follow …

Almost everyone has been the subject of a credit report review at some point in their lives. Many employers will perform credit report reviews before hiring a person to work for them and creditors review …

According to New Jersey Real Time News, Albert Florence found himself being arrested for an unpaid fine that he had, in fact, paid. His wife was driving and was pulled over for speeding. Even though …

As world economies continue their downturn towards full blown recession, we’re starting to see more column inches in newspapers dedicated to the threat to borrowers of negative equity.Negative equity, though, is not a term that …

Every parent wants their child to be financially responsible. This means that when they are older they will not squander their money on useless items and they will appreciate that they have to work for …

The cash shortage that is facing U.S. Financial institutions is putting a strain on their ability to cover liquid investments, such as Money Market Funds. These funds typically pay out 4 – 5 percent interest, …

When I was growing up, child abuse was a taboo subject.  Nobody talked about it.  What my mother did was intentional, but I survived the barbarity for seventeen years, to tell this agonizing story.  Which …

First, let’s start by quickly summarising the difference between a debit card and a credit card. DEBIT CARDSA debit card is linked to your current/check account. When you purchase items with it (either in a …

A significant aspect of insurance for many businesses – particularly larger ones – is business auto insurance. A business insurance policy is similar to a personal one in terms of how it is priced and …

If you have an identity, then it can be stolen. It doesn’t matter where you are, whether you are out and about on the streets, or whether you are safely tucked away in your home, …

Private Banking (sometimes also referred to as Premium Banking or Wealth Management Banking) is a service that banks offer to their most wealthy customers. Typically, there is an entry requirement that is based on a …

On the table in the office of the New Jersey Legislature are two important medical marijuana bills under consideration. People with serious debilitating illnesses will be closely monitoring the outcome of the bills as they …

Teach the young to handle drink The fact that under-aged drinking is getting worse shows that something is seriously wrong with America’s approach. The conventional reaction to drinking by the young would be a call …

The simple answer is there is no way any country could afford it. The reason being that health care has to be provided by professionals who get paid, who have expensive tools, and that no …

Convicted felons owning guns. What a thought to send a chill down your spine. In any that considers the right to “bear arms” as one of it’s core values, denying that right to any individual …

If there ever was a best time to buy in Florida, this is it. The real estate market is witnessing a drop in prices that will probably not last for long. The 04-05 summers scared …

When people think of buying shares, they concentrate very much on stock picking and rarely give much thought to the type of brokerage account they open. However because of the fees charged, the type of …