There will be eight types of loan and credit arrangements discussed further below: Floor plan loans: These are loans that are mainly supplied by manufacturers of a good to the party, who in-turn will offer …

After having declared yourself bankrupt, where does one go from then on in?  How does one even begin to start all over again?  It is indeed correct that bankruptcy can not only wipe out all …

Almost everyone at one time has felt the undeniable stress resulting from credit problems, but simply ignoring the problem before it gets out of control is not going to fix the irreparable damage caused by …

I have a lifelong sense of ambivalence about this issue. I was not born a Christian, but spent 11 childhood years at an orphanage with strong Christian indoctrination. Except for some name-calling and fights with …

Bank accounts can be broken into four main categories: (1) checking; (2) savings; (3) investment; and (4) credit.  Many banks will offer all four different main types of accounts, but not all banks will.  The “investment” …

Restrictive gun laws do not reduce crime. A crime can be committed with a knife or any other weapon.  Speaking of crime committed with handguns, rifles, etc., people who own them have for years and …

Like most other tangible things in America today, the drugs have become borderline outrageous. Because of the rapidly increasing costs of prescription drugs, some of the population may find getting the medication that they need …

Do you want to survive the economic blitz? Well, you need to call an audible. Ready set, set, set, hike! Play-action fake you throw the ball(money) in the air looking for the big play and …

There are many myths surrounding the application process of disability income insurance, and it’s about time some clear thought is applied to the subject!  Disability income insurance is what some people have to apply for …

An annuity contract is an exchange of a single premium or a series of premiums for a single payout or series of payouts. All annuities have a payment period and a payout period. The nature …

Credit card theft is the most common form of credit card fraud. However, this does not mean a credit card thief can only “steal” your credit card physically. Credit card theft means having your credit …

It seems like every week the grocery store is increasing its prices on fruit, vegetables, meat and condiments. This makes it look like that it would be extremely difficult for a family of four to …

Payday loans are a financial gray area. Often touted as a must-avoid brand of loan, they’re earned themselves a bad reputation from extremely high interest rates and a dearth of loan sharks and scammers who …

I initially titled this one Why Doctors are Poor and Computer Geeks are Rich – but it is about why the rich get richer, and faster. It applies to everyone, not just doctors and computer …

CHEERLEADERS GONE WILD: A LESSON IN POWER Plugging “Cheerleaders gone Wild” into a search engine will currently pull up more than rather risqu pictures of cheerleaders frolicking. Texas, the land of living large, has once …

This is what Dwight D. Eisenhower said when he was a general: “It’s not the plan that counts, it’s the planning.” What he meant was that the act of planning and budgeting themselves are worthwhile …

It is often possible when struggling with debt to work out an arrangement with one’s creditors where they agree to settle for something less than the full balance plus interest plus fees to which they …

With the economy slouching so eminently, there is no doubt some of us are looking for ways to make a little extra cash. Maybe to pay those bills that never seem to quit or maybe …

The short answer is no. The long answer is that the government should provide basic and necessary medical care to all people if at all financially possible for the country. The difference between basic and …

In order to teach children about money, one needs to have a healthy relationship with money. The child will follow the path the parent blazes be it healthy or otherwise. Honesty is everything. Money seems …

Common tax scams are a problem for countless people in day-to-day life. There are ten major tax scams that should be paid full attention to in order to avoid them from affecting you as an …

Take the time to design a personal road map reflecting your true needs and wishes if you want to retire successfully.  If you want to retire successfully, define your retirement goals, timely plan for when …

A typical borrower will definitely dig deep to find the best loan deals and rates ever. But then, it is always not that hard to find. The number of lenders that offer a wide range …

Personal loans are handy when people need money to cover necessary expenses. Often, it could become difficult for families to acquire first-necessity items, such as a new car, a new refrigerator, food, medicines, etc., if …

Social security benefits are linked with the identity of the beneficiary, which in turn is linked with the social security number. If somebody else makes a claim for the social security benefits in your name, …

While certain members of Congress and President Bush thumb their noses at the electorate in determination to grant amnesty to untold millions of criminals who entered the United States illegally, a patriotic couple in New …

As the global economic crisis still looms finding a great deal on your savings account seems less and less likely. The volatility in the financial markets makes things like money market funds, highly attractive several …

Most people invest their money to achieve a comfortable and secure retirement, to help their children pay through college, or to make a large purchase such as a home. No matter the goals you have …

It is interesting to observe the price swings that various markets go through. At one time there is little demand for a particular investment item then all over a sudden that investment item attracts such …

Medical marijuana is very effective when it comes to relieving patients of pain and suffering from debilitating diseases. Medical marijuana on the Federal level, must adopt reasonable standards, before any state can become 100 percent …