What are Private Student Loans

What are Private Student Loans

What you should know about private student loans. So you’ve filled out your FAFSA on the web and received your financial aid award letter from your chosen school. You do the math and realize that …
Learning to Understand the Stock Market Statistics

Learning to Understand the Stock Market Statistics

Uncertainty rules the day where market tips are concerned. Statistics show the past performance of stocks and probabilities for what will happen in the future. Thus certainty—of what happened—and uncertainty— of what probably will happen, …
Paying off your Mortgage Early

Paying off your Mortgage Early

With the housing market changes since 2007, more people are concerned with the state of the economy, the state of their financial position and want to make sure they are making wise choices about how …
How to Pay Debt as Cheaply as possible

How to Pay Debt as Cheaply as possible

Keeping debts on multiple cards can cause huge problems and a large financial burden on family life, trying to juggle minimum repayments against a family budget, however there are cheap ways to release this pressure …
Frugal Habits to Adopt to help Save Money

Frugal Habits to Adopt to help Save Money

Frugality is often misunderstood and deemed to be about penny pinching. A far better way to appreciate the benefits of frugal habits is to challenge the ways in which money is wasted unnecessarily to profit …
How to Find the best Deals on Insurance

How to Find the best Deals on Insurance

Insurance is a necessary evil, but it’s also a budget buster. Between paying for life, health, home and auto insurance you barely have anything left for your life, health home and auto. But, if you’re …
Surviving a Forclosure

Surviving a Forclosure

I’ve been there. I had to walk away. Actually, I ran away. My paycheck no longer could stretch in every direction. I tried with all of my might to keep a roof over our heads, …
Assessing the Death Penalty

Assessing the Death Penalty

Having read many interesting submissions concerning the rights and wrongs of the death penalty, I believe I have now come up with another interesting option. For the truly depraved, cruel and inhumane acts for which …
What is a Spent Conviction under UK Law

What is a Spent Conviction under UK Law

Under UK law, a spent conviction is a conviction which has become spent under the laws of the Rehabilitation of Offenders Act of 1974.  According to legislation.gov.uk, which provides a database of all UK laws …
Works that are Copyrighted

Works that are Copyrighted

Created works performed by an individual or individuals are copyrighted. These are novels, articles, poems, essays, school books, art books, songs, music, and all works created by hand, typewritten, by pen or pencil on paper, …
How to Pay off Credit Cards Quickly

How to Pay off Credit Cards Quickly

The best way to use credit cards is to pay off the entire balance each month when or before the balance is due. The most clever credit card users employ this method of payment, in …
Managing Student Loans

Managing Student Loans

Over two thirds of students use loans to help finance their college education. Many of these students are still youngsters with little or no experience of dealing with finances and fail to understand the implications …
Medicare Supplement Insurance

Medicare Supplement Insurance

Reasons to Have Medicare Supplement Insurance Retiring is something that many people are going to want to do, but might not think is possible because of the amount of affordable health care coverage they will …
Why Bond Prices Fall when Yields Rise

Why Bond Prices Fall when Yields Rise

A bond is a premium debt security that investors typically associate with security and moderate returns.  After all, buying bonds and holding it for the term is the general idea. However, investors might purchase bond for purposes …
Invest in Kraft Foods

Invest in Kraft Foods

Kraft Foods, Inc. (NYSE: KFT) is currently North America’s largest food and beverage supplier. Kraft, which was formed in 1923, is headquartered in Northfield, Illinois and trades for $38.30 with a market capitalization of $67.67 …
How to Curb Impulse Buying

How to Curb Impulse Buying

Everyone is looking for a way to save money these days. Coming up with a monthly budget is essential in practicing a frugal lifestyle. The first step is to sit down and analyze your past monthly …
Is Universal Life Insurance Worth Purchasing

Is Universal Life Insurance Worth Purchasing

Universal life insurance originated in the 1980’s. It was an innovation in the life insurance business facilitated by the availability of powerful computers and sophisticated computer systems. Universal life policies are a variation of the …
Mortgage Bail out Fairness – Yes

Mortgage Bail out Fairness – Yes

Phrasing how this nation finds a way to alleviate the joint economic and mortgage crises with terms such as “fair” and “bail out” slants the debate by invoking qualities the majority would deem good versus …
Teenage Personal Finance Advice

Teenage Personal Finance Advice

Financial issues are almost always thought to be the realm of adults exclusively. However, it is true that we might just need a change in the way that we think about this. Teenagers need to …
Constitutional Contract Law

Constitutional Contract Law

Too often, it is the often-overlooked branch of our federal government that affects the real decisions facing our nations more prudently than either of the other, more-transient branches are capable. Whereas the Clinton administration placed …