The best way to indicate whether or not a person is going to repay a loan is to see what their credit score is. A good credit score indicates that a borrower has had a …

Looking for sources of steady income with little effort and risk ? This article is all about it.The most popular way is putting your money in a saving account , CD or even a bond …

Many times people are afraid to start saving money because they know they will have to cut back and change their lifestyle.  This is true in many cases, especially for people who do not have …

Wasteful spending can cause a person to accumulate massive debt, loss time, damage their credit score, and empty their savings account. Millions of individuals participate in this careless behavior. The state of the economy is …

Prior to investing, investors and venture capitalists should first analyze the market and the current market trend. They should evaluate the market’s overall performance and its potential as well as the current market situation in …

Life Insurance is actually the one policy we are all guaranteed to make a claim on. Everyone, unless you are independently wealthy, needs at least a final expense policy. Life insurance is not for the …

There are many reasons why a family might live on a fixed income. Living on a fixed income might make perfect sense to grown ups, but make absolutely no sense to young children. Most, if …

Two years ago my wife and I had a baby girl. We decided it would be best for her to stay home with our daughter, but that comes at a cost. Throw in the extra …

For more than a year now, the news has been dominated by two words: credit crunch. Every mention of those words conjures up gloomy thoughts of bankruptcy, rocketing prices, and mass redundancies. It seems there’s …

Keeping a healthy credit score is extremely important for your financial future. There are many things that the credit rating agencies are looking for when rating your credit score. They look at the overall amount …

Well, I’ve decided to join the growing throng of folk trying to claim back bank charges in the UK. So read on, in this and subsequent posts, how to do it yourself & how I’m …

In this day and age of high premiums and modest coverage, you might be pondering whether it would be smart to buy gaps insurance to cover the gaps left open by your car insurance policy. …

Just 24 hours after word of AT&T’s disappointing iPhone activation figures – news which sunk Apple shares about 6 percent, Jobs announced last night that Apple’s third-quarter profits are up 73 percent. In the markets …

The U.S. economy had been in the doldrums for more than two years when Ben Bernanke, Chairman of the Federal Reserve, announced a new economic stimulus plan in November 2010.  He called it “quantitative easing,” …

Are Mutual Funds Right for You? Presently, we are living in precarious financial times, brought on by the usual culprits, which amounts to nothing more or less than foolish investing. The main culprit? Sub-prime lending …

What an economy, what an economy! Due to having a very high unemployment rate and dealing with a situation in which your chances of finding a steady job are slim to none, especially if you …

Focusing on a dividend portfolio monthly payment strategy is a wise investment strategic decision. The majority of stocks will pay their dividends on a quarterly basis as opposed to a monthly payment basis.  The process …

One of the most important decisions about your retirement savings that you can make is where to invest your money. A frequently overlooked option is an annuity. An annuity is an insurance product that offers …

Why the “top performing” funds may not be the best investment A 2007 mutual fund study unveiled a telling paradox for individual investors: the average investor underperformed the average mutual fund by between 1.82% and …

Accumulating a large amount of debt takes time.  Basically, you have to engage in poor financial decision making for a number of months or even years before your debt becomes too large to control.  You …

Getting into debt when you are a student is very easy. This is the first time that you are asked to manage your personal finances all by yourself. Since you lack experience, in all probability, you are …

Talk about bad luck, negative comments can stay on your credit report for upwards of 7 years. The problem with this isn’t only how long negative comments remain there, it is that many people are …

Identity theft is rampant. It seems that everywhere you look, somebody has had their identity stolen. Just recently, I saw a news story on the Orange County news about a pair of individuals that were …

Term life insurance does not build any cash value. Regardless of how long you own a policy you will never be able to use it to draw down cash. Whole Life Insurance does build cash …

The truth is that many people who we would consider rich are just as broke as the rest of us. This may seem odd because they are earning hundreds of thousands of dollars a year …

Being young and single means that you have nothing to worry about, right? If only that were true. While being young and single changes your life insurance needs, it does not dismiss those needs completely. …

Lessons on Day-trading Successfully Congratulations, you have decided to grab the proverbial Wall Street “Bull” by the horns and enter into the fast paced investment world of day-trading. Many of you may be transitioning money from CD’s, …

In general terms, decoupling is the separation of formerly related elements that usually increase and decrease together. It is used extensively in many disciplines such as science, technology, mathematics, organizational management, etc. In economics, it …

When you’re a student you usually don’t have much money coming in, especially if you’re completely reliant on your student loan. Even if you have a part-time job it can be hard to make ends …

Choosing where it is best to do your investments depends of many factors. In the first place it is important how much you want to invest. If it is only a low amount you can …