You’ve been renting for 10 years; you originally put down a months rent, plus a deposit equal to one months rent, to get into the apartment or house that you are renting. Or perhaps you …

In the current economic climate, many people are moving away from using credit cards. There are however some times when you need to have a credit card in order to secure a reservation. Many hotels …

Money management is not just for businesspeople. Each person can learn to become more efficient with their funds. It is basically all about cash flow. You need to pay attention and to know exactly what …

The Employment Non-Discrimination Act (ENDA) was written to extend protections from discrimination to people who are lesbian, gay, bisexual or transgender (LGBT). This would expand current Federal employment laws which already prohibit discrimination based on …

A patent is a form of intellectual property which grants a legal monopoly to an inventor of a new device or process. The precise laws governing patents differ from country to country, but in general, …

For many people approaching retirement their retirement funding will require the purchase of an annuity. An annuity is an agreement by an insurance company, or finance house to provide regular monthly payments for a term, …

Check scams are a type of fraud when an exploiter will try and pass off a fake check in order to exchange it for cash. Usually this type of fraud has an elaborate or enticing …

Tax season is quickly approaching. Every year taxpayers search for receipts and deductions to maximize their refund. The most common mistake on tax returns is a taxpayers filing status. When filing personal income taxes there …

Let’s be honest, shopping for auto insurance often ranks up there with getting a root canal. It takes forever, we aren’t sure we’re getting the best deal and quite frankly it can seem pretty complicated. …

Personal finance covers a broad spectrum of ideas that affect all areas of life. While money is not the most important thing in life, proper money management practices can help to ensure that you and …

With the advances in computer technology, the Internet has become a huge source of convenience for those wishing to pay their bills online. Online information for bills, credit card statements and previous charges are much …

There are many organizations that use charitable donations to help people all around the world. On the other hand, there are phony organizations that solicit funds from the public and misuse the funds. For example, …

Currency trading scams can take many forms. Essentially it means defrauding individual traders by convincing them that they can make huge profits by trading in foreign currency. A retail trader can be asked to pay …

Scams and the internet go together like the proverbial ‘two peas in a pod’. With millions of users worldwide having access to the world wide web, inevitably some of the people who go online have …

As much money as your job may pay, it’s still probably not quite enough to cover everything you want in your ‘ideal’ life. Even the basics can greatly tax a bank account. As such you’ll …

The ‘global market’ reflects the values the rich have in wringing out work from the poor for their own profit. In the United States the incessant stock market reports provide data to the 1% that …

We are a consumer driver society constantly spending and getting into debt beyond our control. It’s not just working adults, but students and governments alike. The generations before us were savers, but unfortunately this talent …

Personal loans can be used to assist you with most any kind of debt you desire to use the funding for. This can be a great way to get your debt under control with a …

In the U.S., all cottage industries are regulated by standard small business laws. Most states and counties also have their own cottage industry laws. Finally, the municipality and even your neighborhood association may have their …

In the investment circle, bond investing plays a big role as a recognized ‘debt security’. It means that, the ‘bond’ is an instrument which can be brought or sold between two parties based on defined …

A dollar just doesn’t stretch as far. Every day, the news reports more downturns in the stock markets. 401K statements are depressing, and going to the store just isn’t as much fun as it use …

A new form of stock option is now available to the general investing public. Called fixed return options (FROs), these new options provide a useful new alternative previously only utilized by institutional traders. FROs were …

Income Based Repayment Plans (“IBR”) are part of a legislative enactment called the College Cost Reduction and Access Act of 2007.  IBRs became available for use in July 1, 2009. This plan may be a …

Wyoming is a scattered state with large disparities between male and female income levels. Approximately half of all singles parent families within the state of Wyoming live at or below the federal poverty level so …

In summer 2013, new evidence continued to emerge that there might be a house price bubble on the horizon once again. Such fears have led to jittery markets on several occasions since the 2007-2008 credit …

When an immediate cash injection is needed which necessitates borrowing money right now, there are several options available that don’t require waiting too long to receive the funds. Costs involved in obtaining a quick loan …

Finding the right life insurance agent may be best facilitated by utilizing several steps that distinguish, discern and assess the various aspects of life insurance that are important. For example, life insurance credibility, benefits, products …

Steps for hurricane insurance preparedness is something you learn quickly when living in an area that is vulnerable to hurricanes. Hurricanes can be very fickle. They can be heading for a certain area then turn …

Before I start let me get the disclaimers out of the way. Every house, seller, lender, and bank situation will be different so when using the advice given here, use due diligence in finding out …

It would seem the worst of the worst go to prison, but such is not the case. Statistically, the United States locks up not only poor people, but a great many drug offenders. In 2005 there …