For many of us a car is a necessity.  The next car purchased is usually done when the previous car has begun showing severe signs of deterioration.  We have spent too much money on …

You can secure your future by investing wisely. If you are determined and dedicated, and have sound information, you can be successful. In this economic downturn look for investment bargains and patiently wait for a …

The pre-approved auto loan really can be your best friend when you go into the dealership. When you have the confidence that you have the money you need to shop, and you have that part …

There’s six simple tricks that will let you avoid ATM withdrawal fees, but here’s the most important one: move your money out of a bank and into a local credit union. Because they share ATMs …

In order to register with the Copyright Office, you must first decide on a designation for your material. Each classification requires different forms, and has a different definition. The steps taken are basically the same, …

Profit-sharing plans (also deferred profit-sharing plans) are defined contribution retirement plans that base contributions on a company’s profits or earnings. Companies do not determine contributions to profit-sharing plans exclusively by profit. Contributions to profit-sharing plans …

A wrap around mortgage or an all inclusive trust deed is a way to purchase real estate with out having to qualify for a traditional mortgage.  This offers a way for some people to buy …

Auto insurance is one of those things no one really likes to think about – until it’s needed. Having an auto insurance policy in place ensures that you will be covered in the event that …

Most people have experienced  some form of financial stress, either because they don’t make enough to pay for all their expenses, or they don’t make the right financial decisions. Whatever the case might be, here …

If a father abandons their children, to me that is one of the worst crimes there could be. It is like saying to a child they aren’t good enough and they are not wanted. Can …

Having a credit card is a privilege.  To find a credit card that is best for you requires a bit of research. Each person has different reasons and needs for a credit card, take your …

If you believe you are in danger of defaulting on your home mortgage the first thing you should do is call your mortgage lender or bank. This is an extremely important first step if you …

How to pick a financial adviser for your retirement plan Picking a financial adviser for your retirement plan really does mean a lot of homework on your part, though it really is worth it, because …

Examining the EXPENSE RATIO of a given mutual fund is extremely important before investing. If you don’t look at the expense ratio then you could find yourself investing in a high performing fund that pays …

A lot of people who write about how to live really well on less than $25,000 a year haven’t actually lived recently as a family on less than $25,000 a year. What’s more, part of …

When shopping for a loan, you want a way to evaluate the cost of one loan against another to make sure you are getting the best deal.  Lenders will quote both an interest rate and …

A car repossession can definitely affect your credit. Here is how the process works. Let’s say you can no longer afford to make your monthly payments. By the time your discover that you are probably …

Opening a first bank account is an important stop towards independence but can be a little daunting for young adults who are unfamiliar with the banking system. The good news, though, is that it’s really …

It is a fair assessment that a high majority of those people who fall into debt with loans and credit cards simply do not understand the nature of the product they are dealing with. Reading …

Food is necessary for survival, but the cost of eating is rising. According to the Consumer Price Index, grocery prices have risen 2.7% from June 2011 to June 2012. Though a slight change of inflation rate …

A limit order is a financial tool that allows you to control the amount of money spent on a stock transaction. The two common types of limit orders are a buy limit order and a …

Trademarks and service marks are “signs” used in commerce to distinguish one manufacturer or service provider from another; they are in essence brands. These signs could be a word, logo, image a stylistic word or …

Home insurance is an expensive but necessary purchase; when you buy your policy, you are paying for the peace of mind of knowing that, should the worst happen, your home and contents are covered and …

Many people love books and spend a lot of their time and money at the bookstore.  Although many books are inexpensive, they can add up, especially if you purchase a lot.  There are different things …

Homeowner’s Association fees also knows as HOA fees are a monthly or annual expense used for upkeep of common areas and the building when you own a condominium, townhouse of other property that is in …

There was another mass killing in a public place this week. In Aurora, Colorado, a young man named James Holmes attended a late-night showing of the new Batman movie in a suburban movie theater. He …

Anyone who is self-employed knows that unexpected expenses can pop up. Those unforeseen expenses can slowly bleed business accounts dry, which can put a damper on plans to save for retirement. For many self-employed people, …

A progressive tax is a tax where wealthier people pay a greater percentage of their money, be it income or accumulated wealth. Most nations in the world have a progressive income tax system, including the …

It is incredibly easy to spend more at the shops than you planned to because of all the advertising and special offers you’re exposed to. You may go to the shops with the intention of …

Do you think you have what it takes to make serious money in the stock market? Well you probably do, but you need a benchmark to ensure you are on the right track. Investing in …