Decreasing the rate of a mortgage interest depends on several factors. There are ways where you can lower it, either with or without refinancing. Typically, people would go for the task of refinancing their already …

During tax season everyone is excited to receive their refunds. HR Block and other tax preparer services offer refund anticipation loans. Stores advertise specials hoping to lure consumers in. You may plan a much needed …

Criminal and civil proceedings have the best chance of succeeding, and the best chance of producing a fair and balanced result if they are pursued as soon as possible after the incident occurs. Over time, …

One of the more popular retirement savings vehicles is the 401(k). The main purpose of the 401(k) is retirement savings, but in certain instances you may be able to borrow money from your account. It …

As I drive the roads I often pay attention to the surrounding houses. The location, landscape, and layout of a house and its lot will tell you a lot about the house and the neighborhood …

At the beginning of all this last March, I really sided with this woman. I really thought this woman would have hardly a chance in a predominately Caucasian area of Durham, North Carolina as a …

One of the main concerns of people nowadays is their struggle to handle personal finances. It’s a common problem of economics – allocating our scarce resources to satisfy our unlimited wants and needs. Most people …

During the last two decades the majority of credit card users have never given a thought to annual credit card fees, as the card issuers were happily making their profits through less transparent fees and …

Exelon(EXC) and its family of companies is involved in the businesses of power generation, as well as the delivery of that power and its wholesale marketing. Exelon is one of the nation’s largest electric companies …

How to recession proof your wallet. We have all felt the pinch of the recession, some have lost their jobs others their home and for some both and for some the pinch hurts a lot …

People have been driving drunk since the invention of the car. They have been leaving death and destruction in their wake ever since. Society has determined that we can no longer accept drunk driving and …

Coca Cola is universally known as one of the most famous drinks in the world. A uniquely tasting drink, Coca Cola has been a favourite all over the world for generations. Now, as Coca Cola …

A mortgage is a debt owed to a bank or some other lending institution by a person for the purpose of the purchase of Real Estate. As time passes that debt is paid and you …

Copyrights, trademarks, and patents differ in several ways.  All provide a form of legal protection for the owner, but each references a different product or intellectual property.  In addition, the registration process and fees associated …

Over the last several years, since the housing bubble burst, many people have struggled through foreclosures. While there are instances where foreclosures were correctly processed under federal and state laws, there are others that were …

The days of easy access to student credit cards are over. Changes implemented in 2010 now require students to have either proof of an income, or a responsible co-signer, before credit cards are issued. The …

Many people make the mistake of trying to buy a house without having a down payment ready. They think that it is not absolutely necessary (especially with rates so low, they think they can’t afford …

Is buying gold investment or speculation? Well, that depends on how you look at things. Gold is looked at as an investment. When buying gold there are many factors which come into play such as …

The thought of becoming disabled provokes fear in the hearts of many, and yet the ramifications of such an event may be far more devastating than first apparent. Besides the obvious tragedy of the physical …

There are few people who can afford to buy a house outright so in order to pay for a home a mortgage needs to be arranged. A mortgage or home loan means the long term …

In the course of business, all kinds of contracts are formed by various groups and most of the time, these are sufficient and no problems arise, but occasionally contracts will be breached. When these cannot …

Annuities are often low risk retirement investments that pay out consistent income over time. They are also tax sheltered and in some cases legally protected financial instruments. These features in addition to other unique aspects …

Almost everyone is interested in improving their personal economic situation. Whether the state of your finances is fantastic or dismal, improving your financial situation is a worthy goal that deserves some time and effort. Here …

The basics of Reverse Mortgage is very simple.  You need to inquire from the Internet or the loans in the yellow pages under the title of Reverse Mortgages.  You should check out several companies before making …

Owning a credit card gives the feeling of superiority and financial prosperity. While it’s easy to whip out a credit card, most people create a debt trap from which they find it difficult to extricate …

It used to be in the old days that men made the money, and then controlled how it was spent. It was all very simple and easy for everyone to understand, though clearly not fair …

The difference, in a word, is “intent,” but like everything else in the law, there are exceptions. To be guilty of simple murder you must intend to cause the death of a person and perform …

Don’t drink and drive! It’s that simple. That’s the best tip I can give you. Whether it’s just a glass or two of wine at dinner or a couple of beers, don’t get behind the …

The right to vote is an all too important patriotic duty that has been granted to the American people by the United States Constitution. The old adage that elections have consequences rings ever so true …

Do you have a big income tax refund coming back and are looking for ways to spend your income tax money? I will be your personal income tax refund shopping assistant, free. How about buying …