Grocery shopping can be a huge expense these days but it doesn’t have to be. Having a plan and putting a little more thought into purchases can save money on grocery shopping. Be prepared  Being unprepared …

Calculating your debt-to-income ratio (DTI) gives an idea of how much debt you have or how much your outgoings are compared to how much income you have coming in. It gives you an idea of …

A good faith estimate, or GFE, is a document that is required by law to be provided to you by your mortgage broker or lender. It must be provided within three working days of the …

The international bond market can be defined as the market that consists of all bonds which are sold by issuing companies, or governments outside their own nation. Granting bonds internationally is an exceedingly popular way …

Most people dream one day of being able to give up their day job to enjoy a comfortable retirement. Other financial objectives may include being able to afford a bigger house, or being able to …

What health insurance usually covers during pregnancy depends largely on your health insurance policy, whether it is individual or group insurance, the health insurance agency, where you live and where you give birth. Insurance also …

Filing a petition for bankruptcy results in an automatic stay in all new liens against property until the bankruptcy case is closed or dismissed. However, previously owed taxes are still part of the total debt …

Being in Charge is One Reason Parents are Not Children Parents should be held responsible for their minor children’s behavior. Enough sociological pointers indicate that parents must provide direction for their children. For example, Hirshi’s …

How do you give to charities when your income is so limited that you yourself need help from a charity once in awhile? There are many ways to give to a charity, other then giving …

What is Forex and how do you make money with Forex? It’s a question that many people want to know the answer to, and no wonder why! There are potential in Forex currency trading for …

You can start receiving monthly widows benefits at age 60. You can remarry age 60 or later and the benefits are not terminated. You may be eligible to receive retirement benefits on your new husband’s …

With great power, comes great responsibility. Of course, paying back a loan is no exception. Even though you might not be in the ‘seat of power’ as the debtor, and not the holder, of the …

The first step to repairing your credit is to get a copy of your credit report. A consumer is given three free credit reports a year from the three major credit bureaus, TransUnion, Equifax, and …

When a person is broke, he/she needs a vacation to avoid being depressed. Finding the money for the vacation is tough, but it is not impossible. Here is how you can get money for a …

One hundred seventy five thousand, four hundred is the opening bid required by the lender. Who will give me one seventy five, five. Silence,no bids! Going once,twice,three times. Back to the lender. It took about …

The laws of bankruptcy in California are generally the same as they are in all states.  The Constitution gave Congress the power to establish “uniform” laws of bankruptcy so that the same standards apply to debtors …

The sports industry is a powerful medium in advertising and sponsorship. The more proficient a sports team is envisaged, in terms of stature, success and fan base, the higher the attraction for a company or …

Many people fail to make an accurate assessment of their financial situation. In order to honestly take stock of the reality of personal finances and thus consider future financial planning, it is necessary at times …

With the current increase in earthquakes happening in the Caribbean and South America, everyone who lives in an area that is prone to earthquakes are looking into the possibility of taking out earthquake insurance. Although …

The question of whether or not cutting coupons can save you money at the grocery store is not debatable. The fact is if you cut and use coupons wisely you will save money at the …

A father, whose original $3 billion lawsuit against the state was appealed to the 9th Circuit Court is stalled for lack of ability to obtain legal counsel, and lack of money to prosecute the case. …

After staving off the bank run in “Its A Wonderful Life,” George Bailey kisses the two remaining dollars, puts them to bed in a basket and tells them to have lots of babies! Unfortunately, most …

Pawnshops represent one of the oldest industries in the world and they have certainly returned to fashion in recent years, with several advantages for those seeking loans or bargain purchases. Many have transformed into soulless …

Being that I used to work with loans, I figure I’ll have a pretty good prospective on getting a personal loan without credit. For many people, obtaining a loan, especially when they first turn 18 …

Insuring drivers rather than vehicles will not work.  It makes some auto coverages impossible to offer and does not match risk to the premium rate. The actual risk cannot be measured, and it is subject …

Obtaining employment with a felony conviction is next to impossible these days, especially with a heightened alert of terrorism at home and abroad. While many have paid their debt to society, the shadow of conviction …

Let’s talk about odd laws still on the books in Texas some of which should have been removed long ago. Did you know that one must acknowledge a supreme being before able to hold public …

Did you ever think that we all are expected to spend almost one third of our lives in retirement? That’s a significant number of years. Everybody has their own picture of retirement. For example, some …

Investing your money when you have debt to pay off can be challenging. You want your money to work for you and grow as you get closer to retirement. Holding onto debt for years, however, …

In this economy of uncertainty, nations accumulating vast amounts of both public and private debt and governments turning on the printing press (or pressing a button) to solve its financial woes, savers, investors and the …