When you have too much month left at the end of the money, it’s a pretty good bet you’re living beyond your means – spending more than you make. A staggering number of Americans are …

The correct amount of down payment on a home is NONE! I have purchased many homes during my lifetime (I’m 71) and I have never paid a dime in cash for a down payment. It’s …

For new homebuyers, the paradox of choices in searching for a mortgage loan can cause quite the initial shock. Due to the internet, the options on where to find the right loan are endless. There …

After the recent tragic mass murder at Sandy Hook Elementary School in Connecticut, the gun control debate has again come to the center of American politics. On one side are those who are demanding stricter …

The difference between a trademark and a copyright is easy to remember by looking at the reason each exists. The purpose of a trademark is to protect the consumer. The purpose of a copyright is …

An average rate of inflation is ideally incorporated into financial planning and projections such in calculating retirement income and the interest needed to meet financial goals with inflation factored in.Inflation can have large affects on …

More often than not, the government does some really screwy stuff which makes no sense to me and you. Usually I’m very vocal about my opposition to new federal laws and mandates telling us what …

Many people spend much more than they have to each month on their phone bill, without realising that there are many simple things that can be done to reduce their bill. Obviously cutting down the …

Dead beat dad or BEAT ON DAD? I believe child support has gotten out of hand. I’ve been on both ends of giving and receiving support and I have come to this conclusion; it’s insane! …

Indemnity is arguably the most fundamental principle of insurance. This principle plays a critical role in general insurance. Indemnity is easily applied to losses that are quantifiable. Indemnity is monetary compensation that aims to return …

To assess whether life insurance is worth the “high premiums”, you must understand the value of a particular policy relative to its premium. The reality is that the benefits of life insurance exceed just the …

Today, you, I, everyone in America owes a veteran! In modern-day wars, here are the costs of freedom! ~World War I … 116,516 ~World War II … 405,399~Korean War … 36,574 ~Vietnam War … 58,209 …

You found the perfect apartment in the perfect part of town and are ready to sign a lease. The only problem is your credit; it’s awful, and it’s killing your chances of renting the perfect …

The fact you’ll spend $37.50 and have the potential to create wealth sounds like and impossible feat but with a “Pay-It-Froward” for “Gas Card” make this possible what can be any better. Well there’s probably …

In the age old debate of name brand versus store brand, store brands tend to win hands down when it comes to saving dollars and cents for savvy shoppers. However, are store brands always the …

In the UK there aren’t many options for some people to fight their way out of debt beyond increasing their income. The logical ways of doing this are to find higher paying employment, take a …

you are like most ordinary people today, at some point in your life you will need money that you just don’t have, for car repairs, medical bills, school supplies for your children, etc. You can …

Several years ago, credit card arbitrage was all the rage. It’s hardly original – traders have been seeking arbitrage opportunities for many more years than that, and today the big investment banks essentially run on …

To invest or not to invest? That is the question all investors and potential investors should ask themselves. One of the paradoxes of economics is that one of its most basic tenets-there is no free …

Valuation process is a part of the investment decision process in which the value of an asset is estimated. Research asserts that the two main approaches to the valuation process are (1) the top-down, three-step …

Will Clement Consent? The Alberto Gonzales ball is in Solicitor General Paul Clement’s court. What he does with it is anybody’s guess. Mr. Clement was a member of the Bush Justice Department for four years …

One of the fundamental principles of any kind of insurance contract is utmost good faith. This means that each party has a duty to disclose all material facts to the other. With life insurance applications, …

Ready to file your personal income taxes for 2009? Or, perhaps you are not ready, and are thinking of reasons to procrastinate. Below are a few general tips for preparing your personal taxes. Hopefully, they …

There is a prison program called “The save program.” It is a program where the families of murdered victims meet with the killers of their loved ones. It is an attempt to release the anger …

A payday loan is a fast way of borrowing a smaller sum of money to tide you over until the next payday. Obviously not everyone is going to agree with the ethics of this type …

Online banking is the more than the wave of the future – it’s here today.  Online banking offers greater convenience, lower fees, and better rates on savings accounts.  It’s also easier to keep track of …

Every year as December turns to January millions of Americans have two thoughts circling through their minds, what they will spend their tax refund on and the more dreaded how are they going to do …

There are a lot of misconceptions about money. These misconceptions are normally the causes of many financial struggles and failures that most people face. Unfortunately, people who follow these misconceptions are a lot more than …

Insurance is an important decision.  It is a way of “covering your bets” in case of bad weather, canceled flights, personal emergencies and illness. There are many times when insurance makes good sense and others …

There are several advantages of online quotes for insurance.  With so many choices of insurance companies offering different products, the biggest advantage is comparison shopping.  It would take too much time to go to every …