Tips on how to build SAVINGS and to stop wasting it: Keep what you earn. Make what you earn Earn it’s keep. Waste-not-want-not. Work smarter, not harder. A penny saved is a penny earned. Any …

Force Congress To Pass H.R. 676 From The Bat Cave Traveling in committees for over two years now, and not allowed by either the Democrats or the Republicans to come to a vote, H.R. 676, …

If you and your family are planning to take more than one trip in a year, then you can make substantial savings by taking out an annual travel insurance policy.  There is no need to buy separate …

A loan amortization schedule is a repayment plan that is calculated before repayment of a loan begins. Typically, amortization schedules are used for fixed interest long-term loans such as mortgages and are recorded on spreadsheet …

Treasury bonds are financial securities issued by governments when they need to borrow money, either directly from the public and corporations, or by selling these instruments through banks and other financial markets options, such as …

Exemptions reduce your taxable income, therefore reducing your overall tax bill. There are several types of exemptions, but personal exemptions are those you are allowed for yourself and your spouse. You can receive exemptions for …

To those who lay claim that the current sex offender laws are just and necessary to protect us from the evil-doers in this world my reply is simply this…Seriously? As someone who has seen the …

You wouldn’t think such a revolting practice would require special legislation against it, but then you would be wrong. Governor Deval Patrick of Massachusetts was forced to sign legislation preventing the practice of “upskirting” just …

The shackles of debt are difficult to doff, and therefore one should foray into the realm of student loans with both eyes wide open. Student loans are enticing, since many financial institutions are more than …

With college costs jumping by leaps and bounds over the past few years, the majority of students seek out financial aid in the form of student loans to pay for college. Being a college student …

If you are convicted of driving while under the influence of alcohol, DUI probation is just one of the sentencing options available to the courts. While receiving this sentence may seem like a lucky break, it’s not.  In reality, …

It may be exciting when you find an extra $20 in your purse, jacket or obtain it some other way.  $20 may not seem like a lot but before you head to the mall or …

Finding a good account is very important. If you do not have a good account, you will always wonder about your tax status. A good accountant is someone that you can get a hold of …

Understanding the crisis in America’s mortgage market isn’t really hard when you look at the big money schemes to milk the public of more money to fill corporate coffers. As an example, say Mr. & …

Dealing with the IRS is something many people dread and try to avoid at all costs. However, trying to take on the IRS alone as a tax payer is also not a good idea as …

High Yield Investments – For RealI’m not talking about the 3% yield on a Dow 30 Blue Chip. This is 10% we’re talking about. What I’m referring to is stocks, ETFs and closed-end mutual funds …

Insurance can be a pesky, annoying, little necessity; but a necessity it is. There it goes, taking money out of your pocket for a big fat what if. The thing is, when that big fat …

If you are the owner of Us Savings Bonds and need to find out how much your bonds are worth, or how much interest is currently paying to your bonds, the quickest way is to …

ATM’s, or automated teller machines, are located everywhere today, and are used by millions of customers on a daily basis. Depending on the brand their rates of reliability is between 98-99 percent accurate.  ATM mistakes …

Domaining, also known as Domain Investing, is the process of generating revenue from Domain Names. The domain industry began with early investors seeing strong potential in domains long before the general public had become comfortable …

In the modern world, most people express concern of the risks which they could face in future point of time. Thus, they all try to obtain a minimum safeguard for an uncertain event, which could …

Most of us are not capable of murder except in the extreme conditions of protecting ourselves or our children. Others are able to take the life of another in war or in moments of rage …

Even if you do not encounter serious financial problems, learning to spend less money will come handy during recession, as it will help you manage your finances effectively and avoid overspending. In order for the plan …

Investing in rental properties can be a great opportunity of financial benefits in the long-term. Historically, investing in real estate has produced above average returns on investment(ROI). From 1978 to 2004, real estate has generated …

Have you looked at your investments lately? Are they suffering losses? Are you having second thoughts on your initial investment plan(s)? Well, you’re not the only one.  Today’s global economic structure is one of caution, …

Even when you rent a home, you want to make sure you have an insurance policy to protect your items. If you have never considered obtaining renter’s insurance before, it is time to take a …

Hedge funds and mutual funds have many similarities, but many differences exist as well.  Know the benefits of each before making the decision to invest. In 1949 Australian Alfred Jones was credited with the term …

As the car showrooms fill up with the latest must have models the dealers may well entice you in with their offers of zero percent finance. Approach these offers with a level head as they …

The role of factoring companies in small business financing is to speed up cash flow. Often small businesses are not paid promptly. Customers that have excellent credit, and that are certainly good for the money, …

Is credit really the best thing? I think we have all been in the position that the credit card offers are coming in everyday. No interest, balance transfers, etc. etc. How many buy into this …