As a licensed insurance producer, I often get asked the question: What is contents coverage and how much do I need? The easiest way to describe content coverage is if you turn your house upsidedown …

We sometimes think there is no chance for new credit with adverse credit history. You could by now know, that it is much harder to get credit with poor credit history. Even if you get …

An annual return is simply the annual rate of return of an investment. This annual rate of return is measured as a percentage. Generally the annual return takes into consideration whether or not the mutual …

The Consumer Credit Counselling Service in the UK is a charity which gives free advice to those with debt problems. It is subsidized in part by the main lenders and the bulk of their clients …

Isn’t it everybody’s goal to retire and collect Social Security checks? While that may be so, there may be some obstacles that one has to face before and after applying to receive the benefits: Choosing …

Like all civilian citizens, those serving in the country’s military need access to funds through loans to buy homes, cars and other purchases and to help them get through times of financial difficulty. For this …

Real estate investment can be a scary and exciting risk. Whether purchasing a commercial or residential property to build a project, investing to develop a rental portfolio, or purchasing a property to flip, there are …

Most individuals get challenged on how to manage their debts. It is very important for you to know how to deal with urgent debts. The following are some of the strategies that you can use …

The tax code and law that requires a US citizen to pay income tax is one I would love to see, that which requires myself and millions of others to pay income taxes. If the …

When trying to live frugally, finding ways to get more for less expense is your main goal. School lunches can be a problem area in a frugal lifestyle. Your child needs to eat enough to …

If you look back through history, the only real reason that drugs, any drugs are illegal is because of racial insecurities. Affluent Americans love their drugs and throughout history have used them with wild abandon …

Most practitioners working within the United States criminal justice system must weigh heavy ethical and moral decisions in the day-to-day performance of their jobs. Most notable among these positions is that of the defense attorney. …

Investment Appraisal also known as Capital Budgeting is used to asses whether capital expenditure on a particular project will be beneficial for the entity or not. These techniques can be used to evaluate projects both …

Established for more than a century, AT&T is one of the world’s largest telecommunications corporations. Head-quartered in Dallas, Texas the corporation, which has a global workforce of approaching 260,000 thousand, has operations and provides telecommunications …

The ease of obtaining a first credit card will be determined by ones credit history. Although credit cards are one of the best ways of establishing credit it may well be that an applicant has …

According to The Economic Times, the annual report of a company is an important document aimed at the informational needs of a company’s stakeholders, potential stakeholders, creditors, customers, suppliers, economists, financial analysts etc. However, many …

Quantitative easing is a term used to describe a form of economic stimulus offered by the Federal Reserve Bank to help boost market activity including business lending. This type of economic aid is an alternative …

Today’s Life Insurance is a whole new world……It was once both very difficult and cost prohibitive to buy Life Insurance in your later years. However in the past few years, the market for LI in …

Auto insurance is a required expense for almost all car owners. In most states, you cannot legally drive a car without auto liability insurance. In some states, you cannot even register a vehicle without providing …

Parents should not be held any more responsible for the crimes of their children, than children should be held responsible for the crimes of their parents. It simply makes no sense to punish one for …

Speed limits are arbitrary but, arbitrary by need. In most cases the speed limits are set on roadway by the recommendations of engineers and other officials based on several factors. The first factor is condition. The condition …

The fall and rise of interest rates, although they may sometimes seem counterintuitive to a saver’s intentions, actually makes a great deal of sense when communicating about the economy as a whole. Particularly with the …

Completing your FAFSA (Free Application for Federal Student Aid) is one of the most important steps in applying for and securing financial aid for each year that you are in school. Completing your FAFSA on …

Financial planning is important to your future. When you begin to plan financially it is important to have a vision. When you have a vision you are more likely to set goals and meet the …

Why You Should Invest You should invest because you can’t afford not to. Much like getting an education, investing is a key element in creating wealth. Investing is a way to make your money work …

If you find yourself in the catch 22 situation of being unable to obtain credit because you have never used credit, then secured credit cards are a good way to start to establish a good …

Tenancy by the entirety is form of real property ownership in which title is vested in a husband and wife together as a couple, as though they formed a single person. It is one of …

You have the privilege to speak your mind which is the freedom of speech afforded to everyone including those who may think differently than you. This means they can say things contrary to your core …

In today’s tough economy many people are having to change their spending habits. Many households just don’t have the money to spend. This has created the need for many to learn how to live cheaply. …

When calculating the value of your scrap gold, you will first have to figure out just how much gold you really have. The large majority of jewelry that looks like gold is really gold-plated or …