Payday loans are illegal in 15 states and in the District of Columbia. Payday loans are just another way for individuals to spend beyond their means.  The people who have been using payday loans need …

It is a sad commentary on the relationship that customers have with their financial institution, in that they have to find ways to outsmart the bank in order to avoid an array of ridiculous fees …

Lines of credit or open-ended loans are a good financial product for anyone who thinks they may need access to money in the future, but are not sure when or how much. This loan product …

If you use your car for your business, you may deduct certain automobile-related expenses from your taxes. Business use of a car would include driving to and from customers, suppliers, business associates, or seminars or …

“To Criminals, it’s a faceless crime”; so quoted a special fraud investigator. Yet to those affected, it’s a crime that results in a fight for your credit, your good name, and your sanity. It is …

Protection for Your Credit In an age of paperless spending, online shopping, and a suffering economy, good credit is hard to come across. But once you’ve got it, you have to keep it. The benefits …

Do you have debt payments that you have to make each month? If so, you are like millions of Americans out there who have bills to pay every single month. Some bills are important, and …

If you are in the enviable position of being able to have the option to buy or rent a home then there are pluses and minuses for each choice. The obvious advantages to purchasing a …

Let’s get one thing clear: nobody teaches their children about personal finances. No one. I’m willing to bet that if you say you do, you really do not. “Teaching personal finances” implies that parents sit …

Online banking is rapidly growing to become a routine part of banking. In 2009 the U.S. Gartner Group surveyed 3,988 adults and 47 percent of the respondents in the U.S. said they engage in Internet …

Auctions can be a good place to get a deal on real estate as long as you do your homework and show up prepared to win. If your just getting started my advice is to …

It may seem like a contradiction, but concealed handgun laws have consistently reduced violent crime in over a dozen countries and several U.S. states. The right to own guns should be supported. Criminals already carry …

Taxes – ‘Prima Facie’ – means ‘Presumed to be true’ This dream was my worst nightmare. I woke anxious, frightened and upset this Saturday morning. The message said all my money would be removed from …

Within the last decade, debit cards have been introduced into society and have been very popular. For some people, they have even replaced credit cards. A debit card is an electronic check – minus the paper, …

The best way to manage your debts is to not have debts that you cannot easily pay within a reasonable time. However, in times of severe price inflation that could be an impossible task. The …

Abortion. One of America’s favorite “hot button” issues. And like most if not all “hot button” issues, this question has the tendency to polarize advocates on one side of the debate or the other. Request …

In the mid 1990s, the public witnessed many aspects of the financial world rearranged from the top down with the repeal of Glass- Steagall Act and pro-housing legislation was instituted which mandated lower lending standards …

What is a loan? A loan is a legal binding agreement between the lender and the borrower. These agreements usually involve the lender (usually a bank or another financial institution) disbursing X amount of dollars …

“I-yam what I-yam,” says Popeye. And in a cartoon world, where the biggest threat is Brutus, that is probably true. But the question, here in the real world, is this: who else is you? Already …

Wise and astute investors do not put all their eggs in one basket. The idea is to ensure that if the condition in one basket is not favourable to hatching of the eggs, it not …

Short-term medical insurance is a product for people who are in a period of transition; and who don’t have a standard health insurance coverage from their recent employer. Most short – term medical insurance policy …

Come to think of it, income tax moments could be fun and are not really a hassle. From the perspective of the neighborhood where I come from, at least. When the period comes, it comes. …

Investing in the stock market is just one of the many ways in which you can invest your money. However, there are many different stock exchanges, many different financial markets and sectors, and many different …

Over draft protection is costly but it is less costly than bounced checks; not only money is lost when this happens but your reputation as a trustworthy is at risk. Tell me more, you say, …

Vigilante justice is something that will continue to happen no matter how legal or illegal it is so long as members of the public perceive their law and order system to be ineffective. In short, …

Bonds are essentially an “IOU” to an institution of some kind, typically from a government. You agree to loan your money, which you’re investing in for a specific length of time. In return you will …

Your credit score is one of those numbers that follows you around, that everyone talks about, that makes a massive difference in your life, and most people don’t know how it affects them. Your credit …

Interest rate swaps are a trading of interest based cash-flows. To illustrate an interest rate swap, if Company A has an initial floating interest rate of 5 percent on a $10,000 investment but prefers to …

Although the unsecured credit cards from First Premier bank regularly rank as the worst of America’s credit cards, the current batch of secured credit cards the bank offers are a noticeable improvement. With the stricture …

Insurance premiums can be high for many different reasons depending on the type of policy that is being purchased. There are different factors for automobile policies, personal property policies as well as life insurance policies. …