Defaulting on student loans is not recommended and should be avoided at all costs. Talk to your lender long before your loans reach the default stage and try to negotiate forbearance or deferment rather than …

Grocery shopping can be a big hit to your budget if you’re not careful.  Grocery stores are like any other business.  They are in existence to make as much of a profit as possible off …

Perhaps you’re living on one income out of necessity – one partner lost a job or is handicapped – or by choice because one wants to stay home with the children. If you were used …

The Center for Investigative Reporting (CIR) published a report that found doctors had sterilized close to 150 female prisoners at a California prison from the years 2006 to 2010 without obtaining approval from state authorities. …

Hard money loans are formally non-credit based collateralized loans. According to the Federal Deposit Insurance Corporation (FDIC), hard money loans are subprime loans, a term that many identify with high interest real estate financing for borrowers …

When it comes to planning for unexpected health care costs, most people have three options: Flexible Spending Accounts (FSAs), Health Savings Accounts (HSAs) and garden-variety health insurance. Some families opt for one over the other, …

Some states are strict on the use of marijuana.  Arizona is one of those states.  To make sure that you don’t get into trouble or at least know what you’re getting into, this will be …

The words, “IRS audit” audit are two of the most terrifying words in the English language, even though everything having to do with the IRS is synonymous with a headache for most Americans as it …

Personal finances can be an incredibly delicate subject to approach; money is something that some people will not speak openly about because they consider it to be crass or vulgar. How well personal finances are …

The answer depends on who you are. Thanks genius, real helpful advice. But wait, before you click the “Back” button on your browser, take a moment to recognize that buying or not buying catastrophic health …

Convertible bonds are just junk bonds that give the holders the option of exchanging the bonds for stocks at a given conversion price per share based on par. Companies usually add the conversion feature to …

Electronic check conversion is something which has been happening for many years. In a report published by the Federal Trade Commission  called ‘Facts For Consumers’, there were almost 739 million paper checks being converted into …

Thanks to the high cost of living, the ‘Almighty’ dollar is giving us less goods and services. The price of food supplies, gas, insurance, rental and mortgage have increased astronomically. And, as the unemployment market continues to be …

College days are a time of freedom and often the first time a student lives independently. The anxieties of having finance in place to cover tuition and living costs are sorted out, student loans have …

People that own their own home pay for a homeowners insurance policy and may need to make a change during the policy term. Requesting a change to a homeowners policy can be done over the …

Student Loan Debt – Cruel and Unusual Punishment I can recall reading an article on CNN.com entitled “Student Loans – a life sentence”. I laughed when I read the title because in the back of …

Credit card debt consolidation can be a suitable option for you if you are struggling to manage and pay off your multiple credit cards. You can consolidate your unsecured debts on your own with the …

It does not have to be a bitter experience financing your college education if you prepare correctly and understand what is available to you in the way of funding. If you absolutely have no way …

Reasons to invest in a bank certificate of deposit (CD) include safety, prudence, and self-knowledge. These instruments yield much less than some investments, but more than an ordinary saving account. The return is guaranteed too, …

Dating as far back as Ancient Rome and Greece, the jury system has been the heart of democracy and justice over many years. Today juries continue to play an essential role in ensuring that our …

To work or not to work after retirement Retirement infers no longer working, does it not? Not necessarily, as the reality of retirement reveals life as it pertains to retirees that have a different status, …

‘The legal position of Internet service providers in relation to defamation on the Internet’ is a challenging subject to write about. I’m not a lawyer – and anyone wanting to know specifics about their situation …

In a recent article, several pro-family groups called for the U.S. Justice Department to “investigate the media provider for possible violation of federal law on pornography.” LodgeNet provides many adult’ pay-per-view movies for the United …

What if I told you about an investment vehicle that is almost risk free? Could I interest you in an untapped real estate niche; where your initial investment has a guaranteed rate of return? Be …

Money is an important part of many aspects of our lives. It is important to teach kids about finances before they leave home. Part of the problem is that many adults do not know many …

With the pressure of the current economy, the worse since the Great Depression, many people are struggling with credit card debt or concerned that the uncertainty about the wellbeing of their jobs will make debt …

Tax Relief Tax week is here and it’s “Tax Madness” with trying to find ideal tax help for a cheap cost or an even better free. But with a tight deadline from February 7- April …

Investing is hard. There are so many rules, so many details that investors have to know to be successful. But in today’s world, with many people needing money for retirement, everyone is forced to become …

Identity theft is one of the fastest growing crimes in North America. Many people can be or already are victims of identity theft and may not even know it. Identity thieves will steal personal information …

The measure of your credit is determined by your credit score.  Therefore, the higher your credit score, the “better” you credit is.  Conversely, the lower you credit score, the “worse” your credit is.  While the …