Just a few short years ago, most Federal student loans had variable interest rates. If you have an older loan, your rate is likely variable. Interest rates have fallen dramatically over the past couple of …

Retiring plans vary from person to person. There are many ways to invest for retirement. When you start preparing for retiring you should start planning at a young age. You can invest in many things …

I am definitely, deeply and pretty well irrevocably against the death penalty. I see the whole process as barbaric, often bungled, and completely unnecessary. I expect you’ve heard the stories. Prisoners bursting into flames in …

Single parents in Indiana who are getting ready to further their education or those already in college can get financial assistance with college loans. Lenders have programs that supply college loans for single parents in Indiana. …

Pay day loans are often demonized by a group which seems to fail to recognize that some people who misuse them are not actually the victims of legalized loan sharks but just lack the personal …

NO A few years back my husband was on a very low wage earning only 90 pounds a week and was studying for a degree in Law. We were struggling with feeding and clothing our …

Index funds are one of the better solutions for investors who are willing to wait for long term growth, but don’t want to pay constant attention to the individual nuances of their portfolio. Index funds …

Insurance companies have become more and more dependent upon outside information in order to develop premiums. With so many different factors that determine a premium already, adding credit scores into the mix isn’t really much …

Today the juvenile crime rate is in a decline. While the overall rate has lowered in the past few years, juvenile female offenders have been on a constant rise in the United States. This female …

Congress passed the Consolidated Omnibus Budget Reconciliation Act, commonly called COBRA, in 1986. The act amends certain other laws, in particular the Employee Retirement Income Security Act (ERISA) to make group health coverage available to …

Providing financial gifts to children can be a great way to establish a life-long path to learning how to manage money. In addition, providing investment vehicles will also provide minors a nest egg to get …

Online banking has come a long way from its early beginnings, and at present almost all UK banks provide online banking services to their customers. At the same time, there are several banks that exist …

With the increasing prices and uncertainty of income, many more people may start to use coupons to save money on items they purchase. Besides newspaper inserts and coupon clipping services there are also other ways …

Would you give a man who is hungry a glass of water? Would you give a turtle dog food? Would you give a baby ramen noodles?  Of course not! Money is the best way to donate to …

A personal relationship with one’s bank and banking officials can have significant advantages to cost savings, financing activities and financial goals. The reason this is so is because human nature tends to favor familiarity. This …

When trying to find a new home for you and your loved ones, one of the first things that you consider is the safety of the location that you are looking at. If the safety …

It is that time of retirement and a new life begins all over again for the retirees. Now there is no more busy schedule for the person who has been working tirelessly for so many …

Copyright law presents a simple premise: that creators, artists, and authors should be rewarded economically for contributing to the marketplace of ideas. The system in place protecting copyright gives authors the exclusive ability to transfer …

As a stay at home, homeschooling mother of ten children, with seven still in our nest, I have always tried to find ways to cut costs and make the money my husband makes stretch. Lately, …

Everyday, on our way to work, in our homes, on our radios, and on our TV’s we are constantly being bombarded with adverts of all the things we must have. With the latest and greatest …

This idea of publishing the names of under aged violent criminals takes some thought about media distortion, racial hatred that has escalated to the point of murder, and community hysteria. The first thought is the lack of …

It is true that you need a certain amount of money to invest. However, you don’t need to be a millionaire to be successful at investing. In fact, most investors are not millionaires. But, they …

 Supermarkets are masters in manipulating us, the unsuspecting public, to spend more without even knowing it. They employ no end of sneaky techniques to get us to part with more of our cash than we …

Although I am not a lawyer (you should get all your legal advice from an actual attorney) I work for a service of a legal nature. Here is a bit of information that I have …

The Clean Air Act of 1970 remains one of the most relevant pieces of legislation to date in terms of the fight against air pollution. A major link in a chain of laws, policies, and …

Which is more appealing, secured or unsecured debt? The answer to that question depends on your perspective and your credit rating. Let’s be honest, loans and mortgages are a way of life. If you want …

Debit cards have become one of the most popular modes of payment in the modern world, and according to financial experts debit card withdrawals and payments have surpassed the use of credit cards, cash and …

College students are often too inexperienced in finances to deal with credit cards in a wise and responsible manner. If credit cards are viewed as a necessity to cope with everyday living expenses then they …

Mutual funds are a great investment tool. There is an ocean full of mutual funds out there and it could be tough to pick out the right one. It needs to be said that before …

The word “change” is inextricably entwined with the historical realities of the present political and economic climate in the United States. Witness: In July of 2008, Roland Jones of msn.com ran a story describing General …