They key to living well on a budget is prioritizing. By skipping the things that aren’t important or finding cheaper substitutes, you can have room in your budget for the little luxuries that mean a …

We all have the occasional problem with finances and cash-flow and sometimes that means we need to turn to someone for help.  If this happens to be a situation one of your friends finds themselves in …

You are at the car dealership and you have found the perfect car. It has good gas mileage, and the sweet satellite radio system. Just one problem you can’t get financed! As you sit there …

Times are hard for a lot of people right now. People have lost their jobs, or had their hours cut back due to the recession. So how do you overcome all of these obstacles and …

About two years ago, I uncovered this scoop about a company called Choicepoint and have been following it ever since. Since I am new to Helium, I will be publishing my findings quite frequently to …

The theory of retributive justice is the idea that punishment should duly establish a penalty that is deserving of the crime. Such penalties should be set proportionally to the seriousness of the offense where all …

The life of expectant parents is not all sunshine and rainbows. It can be a time filled with great angst as important issues need to be sorted out; how to afford a new addition to …

If you are tired of writing out a dozen checks to pay credit card bills each month it might be that you have trouble keeping track of when the various payments on these accounts are …

SOTOMAYOR: THE END OF CONSTRUCTIONALISM? Kudos to journalist Salon.com Mike Madden and his explicit claim The white man is being oppressed! (Salon.com, 5/29/09) that Right Wing Bosses Gingrich-Limbaugh have a Freudian personality disorder. Popular conservative …

obviously, i do not believe that perpetrators of non-violent crimes are to go unpunished.on the contrary, i believe that all criminals should be justly punished for their crimes against society.however, due to the problems of …

Separation of Church and State or Separation of People and their Faith? Gay Marriage, Where do you stand? “Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or …

Raise your hand if you would like to make money as you spend it. It looks unanimous. If you will follow my simple pointers, you will. Checking Prices One of the first things I do …

Equity credit lines or a HELOC loan, both are a form of homeowner secured loan that relies upon home refinancing in order to extend funds based on the equity in a home. Both accomplish the …

To most, loans are the only solution to pay their tuition fees and complete education. Student loans also help students pay for books and living expenses while schooling. Even though these loans are refunded at …

The exchange rate between two currencies is the value of one currency against the value of the other. It will usually be cited in one of two ways. Where two and only two currencies are …

If you’re a tenant in West Virginia, it’s important that you make yourself aware of what your rights are under the law; including federal, state and local laws. This holds true if you’re a landlord …

Student loans can be a practical way to fund one’s college education. Taking out student loans can help you focus on your education instead of constantly worrying about where the next tuition bill money will …

Qualifying for stimulus refinance loans involves identifying which governement stimulus program one is eligable to apply for refinancing through. Two such programs are The Homeowners Affordability and Stability Plan which is part of U.S. Government’s …

With the high price of gasoline, looking for a replacement transportation fuel is back in the thoughts of many, and one of the oldest solutions may be making a comeback: the electric car. GM, for …

With many major financial institutions facing major losses, they are trying to cut corners and raise revenue with in every way that they can, including with credit cards. Many consumers are getting notices that their …

There are several student loan repayment plans that are available for students seeking financial assistance to pay for their education. Each of the listed plans below have low monthly payments. the following are some of …

I’ve never heard of only “wind” insurance, under most circumstances this is is actually called wind & hail coverage. Until 2006 in Louisiana, wind and hail coverage was included in a homeowner or renters policy. …

A good apartment rental plan covers personal property (from furniture/appliances to small valuables) and protects apartment owners from liability. In other words, it gives you coverage and comfort at a worthwhile price. A good deal …

Staying warm is one of those very animal instincts that we can all relate to. You can stay warm, with minimal expense, if you think about it and inform yourself.  Insulation can be very inexpensive, …

This answer will be considered to be politically incorrect because it is a simple common sense approach to insuring that Homeland security can be an effective agency. I believe that some form of racial profiling …

There are many ways an individual can save money on their car insurance. Some of these include looking for discounts to apply to the policy, modifying coverages and deductibles as well as knowing how the …

When expenses are tight among cashing checks, payday loans and credit card payments, it may be difficult to figure out what checks cleared and which ones didn’t. The U.S. Federal Deposit Insurance Corporation (FDIC) suggests …

The subrogation literally means “the right of one person to stand before the law in the place of another”.   The right of Subrogation is implied in all contracts of indemnity. In other words it …

The evidence is that the casual investor can not beat the market. The definition of beating the market arises from the ability of an investor to earn a higher rate of return than the market …

Among the reasons why you should have a bank account, access to banking services must top the list. Unless you are a hermit living alone atop a hill, the need to receive payments for services …