Surviving the 2008 financial meltdown will mean different things for different people. For the very wealthy 2%, no matter how much money they may have lost on paper, they will survive quite nicely. They may …

In this new age, when someone has to pay for the mistakes made in the economy, one must find a way to make the funds available go further, because those who had money to invest …

Despite the growing animosity against guns, lawmakers in Michigan are still considering passing a concealed weapons law that would allow gun users to carry weapons in a discreet fashion. I find this measure ironic as …

Bills are responsibilities, and in most cases they are financial burdens. They may arrive in the worst possible time such as when you run out of cash, or a day or two before their due …

 When purchasing a Government or Corporate bond, beware the debt security may have a callable (call date) or redeemable feature: The issuer of the bond may redeem the bond at the face value (sometimes above the face value) or call price, before the …

For many people, understanding the many different home loan programs  can be tough  especially since there are many different home loan programs that a home owner  can choose from. Two of the most common mortgage programs are …

Both money and children need to be seen and heard: Valuable lessons are learned when parents talk to their children about money and its value. An important first lesson for children is in denying them …

Debt’s multifaceted nature allows it to empower, disable and enable depending on the circumstances surrounding its use. Individuals, corporations, institutions and governments all make use of debt for varying means and goals. These means and …

You can buy a timeshare property in the form of a boat, condo or a home. When you buy the timeshare you will have access to the property at a specific time as you are …

If you want to avoid over drafting your checking account then you should become a good money manager. You should know every single expenditure you have going out and make sure you log them into …

Purchasing a motor vehicle can be a hassle-free experience if you know where to obtain funds for financing the purchase. The loan market has grown so much over the past 20 years that the options …

For young individuals, retirement seems to be light years away. Well, not really, but at least they’re decades away. Most young people fail to realize the importance of retirement planning not until they’re bombarded with …

For anybody who knows me, they know that I hate insurance. It’s horrible. Very rarely does any good come from insurance. Even when there is a claim to be made on insurance, where they will …

The balance between spending and earning is a precarious balance for most people. While some have the unique blessing of having far more resources than they will ever spend, most engage in the struggle of …

The Fair Debt Collection Practices Act (FDCPA) was passed in 1978 as part of the Consumer Credit Protection Act.  The FDCPA puts restrictions on how debt collectors may seek to collect on debts, and it …

There are many ways a person can safeguard their identity from identity theft. Most of these ideas usually surround protecting sensitive personal information. A person should never reveal their Social Security number unless they are …

As if it isn’t bad enough to have a good portion of your wages go to the government already, they come up with nuttier and nuttier ideas on how to steal it from you in …

So you have a great job with awesome benefits and even a retirement plan in place, nothing can get in the way of your golden years, right? Think again friends, there are unfortunately, too many …

Pay day loans are a controversial type of lending which have led to some states banning them outright, whilst other states have introduced regulations to protect consumers. Due to the extortionate interest rates levied on …

The increased proliferation of payday loans via the internet caused debt charities to raise complaints with the Office of Fair Trading (OFT) in the UK in 2009. Their argument was that loans which were issued …

By definition, a tort is a kind of civil law that deals with damages that one can collect for wrongdoings. In its most general form, a tort is an action that causes harm to another …

Superstars lead a luxurious lifestyle that the world is envious of and drawn to. Although, sometimes that luxurious lifestyle, turns into just the opposite. No matter what they are accused of, still we are glued …

The first step in choosing a bond fund is to consider your own goals, circumstances and investment personality. Recognize that you will probably have to make trade offs, and that investors often must balance opposing …

Whilst the definition for ordinary income and capital gains is straightforward, understanding how they work and which is the preferable route to take to achieve wealth growth, net of tax, is more complex depending upon …

Money orders are pre-purchased from third party vendors, such as a bank, United States Postal Service, independent merchants and Western Union. The exact amount of the payment is bought and the third party issues the …

Buying stocks can be scary especially in a down economy. When you factor in how most people are afraid of the market, then you want to make sure you are making the best decision possible. …

Many people live on a budget in order to maintain a certain kind of lifestyle. Budgets can be difficult to maintain if contingencies are not taken into account. As such, you may have to free …

“Shopping around” is a commonly known term across the insurance industry. As driving is risky, most states require some form of automobile insurance on all vehicles on the road. When comparing insurance coverage, insurance information …

Ever wondered why currency trading industry is known as an ‘over-the-counter’ scheme?Its simply because dealing with overseas currency take place between two parties with no advanced agent engaged. Currency trading being a decentralized scheme can …

Going to college can be one of the most exciting stages of anyone’s life. After all, this is the first stage towards the rest of your life. By graduating from college you are setting yourself …