Car insurance is expensive and  it generally seems to go up rather than down regardless of how many years no claims you have, so it’s worth trying to cut down the cost as much as …

Checking accounts are an easy way to have fast, reliable and convenient access to your money. Almost everyone has at least one checking account that they use to pay their bills and have immediate access to …

Securing a car loan is a relatively easy matter, though not all loans are equal. Before rushing headlong into the first available deal it pays to take the time to check personal finances and work …

As unmarried couples you face unique money issues; however, do not fall into the trap of failing to do your financial planning on time as you may be placing your relationship at risk. The deeper …

If you have experienced past financial failures, they do not need to affect your future.  The past is in the past and you have the future to look forward to. It is easy to get in …

Far from earth, there is a race of people who look a lot like us. Their planet and their star are unpronounceable, but if you string any 13 consonants together with no vowels, you can …

Teaching children the facts about money can be a challenge. Financial experts advise beginning when they are very young, however, most toddlers have no concept of such abstract ideas as monetary purposes and values. If …

If you’re pulled over on suspicion of a DUI, then there are some important things you need to know in how to handle the stop. Depending on how well you conduct yourself, your lawyer may …

The belief that not everyone needs life insurance is a bit outdated to say the least. Whether you want to think about it or not there is a lot of expense when it comes to …

A stock option gives a person the right, but not an obligation, to buy common stock in a company at a specified price on a particular ‘expiry’ or ‘maturity’ date.  If the option is not …

A student loan from the government enables each person to have the chance to get a degree only if they don’t default on the student loans. Student loans are wonderful to have available to almost …

The U.S. Congress has passed several laws that require states to implement sex offender and crimes against children registries: the Jacob Wetterling Crimes Against Children and Sexually Violent Offender Registration Act, the Pam Lychner Sexual …

Welfare recipients generally come in two varieties: honest families who have hit upon hard times, and dishonest individuals who are working the system. The USA is a wealthy nation and able to provide for those …

Seller financing of the home being sold can put the seller in a bad position if the financing is not considered carefully and weighed against the market. This would include the secondary market in mortgage …

Condescension is rich. It’s full of ridicule and judgment, impatient body language, and piercing sighs that accompany a pitiful shaking of the head. And it’s easy to express this side of yourself when you’re just …

Budgeting is a process whereby individuals or households assess how much they are spending, what they are spending it on, and how they can save more money. Setting up a budget is an invaluable step …

Back in 1960 when My Mom first needed car insurance, there was only one Pennsylvania auto insurance choice – State Farm.  Their headquarters was only a half hour away from Mom’s Philadelphia home, so State …

It’s a jungle out there when it comes to saving and investing. As the financial institutions are eager to increase their own income, they want your money and offer an extensive range of products to …

Mutual funds are a popular investment instrument and most people choose to invest in mutual funds to reach the highest return on their investments. Mutual funds are safer than investing in stocks, bonds or other …

Online banking has been part of many people’s lives for well over a decade and has played a significant role in making banking that little bit easier. No longer do you need to wait for …

The state of Georgia actively encourages students to participate in a college education, with a number of initiatives which are aimed at retaining Georgia students within the State after graduation. Single parents who face the …

A variety of investment theories exist aimed at providing the greatest return for your money. Though some, at times, may prove successful, the success of these theories is never guaranteed. No theory can accurately predict …

A vicious identity thief can ruin your life from the comfort of his or her pajamas. These cowards cause rage, anxiety, and maddening hopelessness. Identify thieves are willing to trawl through dumpsters for bank statements. …

The Infernal Revenue Service.  Those demons in suits can be quite good at kicking a person when they are down.  One of the things not well understood by many people are the tax consequences of …

It is always a good idea to have money in an emergency fund. You never know when something will happen.Without an emergency fund a hard time personally can become devastating financially. Unemployment  At the beginning …

Retirement is a major step in a person’s life journey. While Social Security provides some protections for elderly people, it is important for people to save for retirement throughout their lives. Fortunately, there are a …

There are so many ways you can make use of gift cards. As the retail industry continues to expand worldwide, people are finding themselves looking for ways to use the abundance of gift cards they …

IMMIGRATION & PUSHING POLITICAL STRING Have you ever been part of the chorus saying, “There oughta be a law?” Then, hear the politicians agreeing with you and writing laws to address the problem causing the …

Did you just get a huge tax refund? If so, you should be excited, as you now have a lot more additional money to use. It is up to you to make the most of …

In economics a transaction is said to take place when each party to the transaction derives value from the transaction over and above the opportunity cost associated with that transaction. Given the shear numbers of …