The booming economy of yesterday has been replaced with the need to be frugal with spending. Once 2008 hit with the sub-prime fiasco and the start of a new Depression, many families were caught off …

Who am I to tell you what to live without? The best place for you to start is to gather everyone in your house hold and set priorities for what expenditures are more important than …

Health insurance is very important and should be considered a basic need. Health insurance basically replaces one’s income during hospitalization or during illnesses that prevent one from doing responsibilities enabling him or her to earn …

If you’re like most people these days, you’ve been scouring your budget line by line looking for anything and everything you can possibly jettison to help pad the family finances and shore up your savings …

The Nationwide Building Society Select credit card is suited to card holders who want to take advantage of commission free transactions overseas. Frequent travelers and cardholders who use their plastic abroad can take advantage of unlimited commission free purchases overseas. There is …

Obtaining your credit score is far less complicated than many people make it out to be. It is actually one of the easiest things that you can do, especially with the invention of the worldwide …

Nature gives a clue in it’s four main elements: Earth, Fire, Wind, and Water.1.Real Estate, Gold, Stocks, and Bonds: Divide your investment funds evenly between these four areas and you will always be hedged against …

I frequently use a currency conversion tool to work out how much my Helium payments, in US dollars, will convert to in UK pounds. In previous eras, to do such a currency conversion, I would …

Regardless of whether one is trading long or short, the critical path to success in trading is to buy when others are selling and sell when others are buying. The timing of market entry and …

Local charitable organisations often look for donations to help those who are in need.  The predicament of donating money or goods is one that we almost all deal with at one time or another if …

This is a difficult question to answer because they are often intermingled with the scammers and rip-offs. The biggest problem is the number of advertisements you are exposed to regarding debt problems. Since we are …

College is exciting, filled with adventure and learning.  For some students, this will be the first time away from home.  Freshman, and returning students, enjoy the shopping trips with parents each summer, purchasing new clothes, …

As society becomes increasingly dependent on technology, more and more people are turning to online banking. Although this form of banking certainly has its flaws, online banking is safe in most cases and convenient above …

When you’ve suffered a terrible job interview or need consolation after an argument with your best gal pal, there’s nothing friendlier than the cool plastic of your credit card. It’s always reliable. Always ready for …

Batten Down the Hatches, and Ride Out the Storm So it is, that history will record, that in the Fall of 2008, a financial tsunami hit not only North America, but the waves drenched the …

So you decided to take control of your financial future by saving. Well, good for you. There are many ways you can make your savings grow without relying entirely on interest rates. You can grow …

Index funds are mutual funds that try to duplicate the performance of a particular index such as the Dow 30 Industrials or the S&P 500 for stocks, or the Lehman-Brothers Aggregate Bond Index for bond …

In today’s economy where employment is no longer reliable, investing is the sure way to go. For those making a transition from the employment side into the investing world, things might be harsher and not …

Far too many of us have been there.  It’s still a week left before pay day.  We have about $5 in our pocket.  Our bank account is, if not overdrawn, at least close to it.  …

The major debate in insurance is whether term life insurance or cash-value life insurance is superior. What makes this debate protracted and contentious is that different ‘experts’ have contrasting opinions. There is a body of …

The growing trend in purchasing health insurance online can be justified through one simple advantageous concept; comparison. The internet has enabled the individual to search and obtain a catalog of free quotes from the leading …

Most people will plan their retirement around three sources of income; Social Security, their private savings, and the retirement plan provided by their employer. For many middle-class Americans, their employer retirement plan will provide over …

No, life insurance is not needed. Insurance started out as a way for families to bury their loved ones and pay off any debt that was left behind. Insurance was placed as a way for …

Having financial goals is crucial for your well being and how you manage your finances. Most individuals fail the test of financial discipline when they lack proper financial management skills. Having financial goals will help …

Charity The number of requests for financial aid that I receive by mail and/or telephone is more than I can count off hand.  I wish I had funds to give to all of these organizations …

Do you know what your credit score is? Your credit score is a measuring tool to see how reliable you are when it comes to repaying loans. The higher your score, the better terms you …

Life insurance is a fixed monthly amount which over the year accumulates to the annual premium, the contractual terms provides money for your family if you die. It can also be used to pay off …

Paying bills is not something the deployed service member wants to worry about.  There are some options that the service member can look at to make sure they do not fall behind on payments.  The …

Everyone desires to achieve financial sucess and setting a few goals is the first step in making this a reality. There are many practical steps you can take to create a lifetime of financial success. It …

How many times have you realised that you needed some milk and just grabbed your car keys and driven to the shops without even thinking about it? It is easy to get into the habit …