According to Investopedia, a Forbes Digital Company announced as the top investors modules of 2008, a loan modification is “a modification to an existing loan made by a lender in response to a borrower’s long-term …

Continued increases in the costs of funding a college education means more students are relying on private student loans to cover any additional expenses after federal loans and financial aid options have been exhausted. It …

Finances are one of the major reasons for the majority of divorces in America. It is always important to communicate with your partner but may be more important when you are having economic difficulties. When money …

The majority of student loans don’t become payable until the six month grace period following graduation is complete. Subsidized student loans don’t accrue any interest during college days but unsubsidized loans attract interest from the …

It is a good idea for teenagers to use money wisely. Managing money is a responsibility for them, especially if they wish to attend college. Finding a job is a good way to start, and …

The Class Action Lawsuit today is a unique facility of the civil law code, and does not exist in countries that still practice varying degrees of common law. Even though the class action lawsuit was …

The State of Virginia is extremely forward thinking in the attention it gives to non traditional students pursing a college education and obtaining a degree. Many State residents have in the past abandoned their college …

Exchange Traded Funds (ETFs) have been available in the U.S. since 1993. In their composition, they are most like mutual funds. Like mutual funds, many ETFs mimic certain indexes like the S&P 500 or the …

America is the one true free country in the world.  We are supposed to say what we want as long as it does not contain hate, or hurts another physically. When government tries to stop …

We’ve all done things in our life that were not proud of. When we write about these things we get a chance to explain our story, both what happened, and why it happened. I think …

“My boat isn’t worth that much, I don’t need any insurance.” Wrong, you are exactly the person who does need boating insurance. I see them all the time. They buy a used PWC or a …

Your home is your most valuable asset, so when shopping for homeowners insurance you should understand what the policy includes.  Most homeowner policies are package policies that provide protection for your home, any other buildings on …

Students plan well in advance for a college education, searching for finance and taking on high levels of loans. Yet around half of all those who enter college with the aim of obtaining a degree …

Many people approach retirement with wonderful fantasies of trips to exotic locations, long luxurious cruises, hanging out at the beach or golf course, shopping in great specialty shops, and pretty much doing whatever they please. …

It’s tax season once again and millions of Americans are diligently collecting forms from their employers, gathering receipts, and preparing their taxes. A lot of people happily receive a refund check in the mail during …

Charity frauds have become a growing concern especially with the advent of technologies such as email, mobile messaging and internet. These scammers will exploit the emotional outpouring from generous people and siphon their money for …

If you write a lot of letters, do a lot of mailing for your business, or have ever had a wedding, you know sending out mail can be quite expensive over time. It might not …

The Treasury Inspector General for Taxpayer Administration (TIGTA) is warning U.S. taxpayers of a major IRS-related scam circulating. Scammers are calling taxpayers and posing as Internal Revenue Service representatives in an attempt to defraud them. …

Most American workers are covered by Social Security. You and your employer pay into the system so that you will have some money coming in every month when you get to retirement age. Normal retirement …

Dealing with an insurance company is often not an easy task. There is often a struggle because the insurance company wants to reduce the amount they have to pay for the damage you suffered, but …

Protecting investments from loss can be achieved through diversifying your portfolio. To diversify means to maintain ownership in different kinds of investments. A well-diversified portfolio shall allow for growth while also limiting risks and protecting …

Medicaid is not available for everyone who is low income or just down right poor. Maybe it depends on which state you live in, but if you think that just because you are low income …

There have been conflicting media reports since the recession that the consumer has begun to tighten his or her belt and started to save more. However, statistics from various public and private agencies suggest otherwise. …

Most people carry some level of debt load throughout various points in their lives.  Large, long term debts such as mortgages, school loans or car payments can be a necessary evil that provides the opportunity …

First you need to decide if you even need life insurance. More importantly do you really want life insurance? Do you want your relatives waiting around for you to die so they can cash in …

Your credit report is something that is used by those who are trying to make credit decisions on your credit worthiness. Basically, anyone who asks for a loan is generally going to have their credit …

The key to successful options trading is faith, an abiding conviction in fundamental truths. No, I am not speaking of religion, but of the rules governing options pricing. Options prices increase with increasing volatility and …

In the absence of up-front legal protection and commercial legitimacy, sex workers are compelled to live shadowy existences. Many of these women are controlled by criminal gangs and pimps who rip them off. The lack …

Social Security is a program from the government that has the intention of catering to the welfare of its citizenry through provision of basic commodities such as food, shelter and clothing. The program also facilitates …

Paying your bills in an effective fashion is something which requires considerable organisation. It’s happened to most of us at one time or another, that unexpected bill arriving in the mail, or maybe a bill …