For saving money, saving it at an earlier time is a better time, especially in a society that likes to procrastinate. Already in the game, some are taking their daily earnings and depositing them directly …

As constantly-classifying creatures, we all know certain things just don’t go together: children and sex, for one, but also, unfortunately, child pornography and justice. It often seems there are few greater examples of slaps on …

Homeowners insurance can seem complicated at first, but armed with a little information, you can understand and appreciate its value. As with any insurance, you purchase it with the hopes that you’ll never need to …

Illinois requires that all automobiles registered must be covered by standard liability coverage. At www.dmv.org/il-illinois/department-motor-vehicles.php it is simple for Illinois drivers to obtain up to five quotes from leading insurers to ensure that you are …

Medicare is the national health care program aimed at people who are over 65 years of age, people who receive Social Security Disability, for the first two years of a transplant part A only), and …

In tight economical times, every penny counts, and repeatedly paying overdraft fees to the bank can add up fast. Fortunately, there are simple steps to managing overdrafts so they won’t wind up destroying the household …

FHA (Federal Housing Administration) loans are government insured loans issued to homebuyers, designed to help just about anyone enjoy the benefits of home ownership. They are popular with consumers because of their fair market rates, …

In these tough economic times, you can give good quality holiday gifts without breaking your budget.The National Retail Federation reports predict that US consumers will spend on average this holiday around $682.74 per person. During …

“If it sounds too good to be true, it probably is!” This statement should come to mind when thinking about zero-percent financing schemes. Zero-percent financing isn’t just partial to car purchases any longer. You can …

Taking out a personal loan for any amount is a financial commitment that may span over as many as seven (7) years. There are many things to consider before you make a commitment to anything …

Introduction: Online banking is the process in which a financial institute allows its customers to perform functions in relation to their accounts through the internet using a secure web portal. These portals may allow the …

Most teens are consistent at burning through money faster than it accumulates, and even going a step farther by causing untold grief with family vehicles, thus creating woes for someone else’s finances. Money in is …

Discount prescription drug plans are easy and viable solutions for individuals without the prescription drug coverage traditionally included with medical insurance plans. While rates and coverage varies from one plan to the next, some basic …

The renter’s insurance is a shield against contingencies that happen in your home. Some include vandalism, theft, fire, lightning, volcano eruptions, falling objects, riots, civil commotions, damage from home utilities by water, eletrical surge damages, …

I live in a place where crime is treated by rehabilitation. In my opinion, there are crimes that should be treated differently depending on the crimes done by the criminal. For example: murder cases should …

The danger of loans part 1 Loans can be a very dangerous thing if not properly managed and understood. An ill managed loan can cause much distress and to certain extent cause the loss of …

 Buying and developing foreclosed properties is becoming a big business. These properties, bought at a premium price, offer the developer a chance to make good money, though only if the planning runs smoothly and the …

We have all seen offers in our E-Mail boxes for free offers for some product that intrigues us. The problem is we often fail to read the fine print that accompanies these offers and as …

Many people seem to be destroying their credit with relative ease in these difficult economic times.  It is an unfortunately easy task to perform, and can be done in a variety of ways.  The following …

The rising cost of health insurance has spiraled out of control. While obesity seems to be a huge contributing factor there are several other reasons this is happening. Abuse of the current healthcare system has …

Being financially independent is a worthy goal for anyone.  Unfortunately, to many people, it seems more like the impossible dream than a possible goal.  It can be done, but it will take time and discipline.  …

Shrinking back from the legal liability taking up a directorship will involve? Relax. Courts in English-speaking countries have repeatedly refused to look at decisions taken by directors when exercising business judgment. The High Court of …

Teenagers are notorious for being trouble makers.  Ask any parent of a teen and they will more than likely tell you that raising a teen is the most challenging and demanding job of parenthood.  In …

There is literally no limit to how much you can lower your electric bill. If that statement sounds impressive, it truly is. If it sounds impossible, it actually isn’t. Given enough motivation on your part …

Students do not have to encounter much debt while attending college. They can find various ways to fund college, but this process requires time and devotion.  Students should consider forming a portfolio of possible funds …

Although electronic transfers and direct deposits are becoming more and more popular, there are still companies that use paper checks for paying their employees. A paper check is also a handy way to settle a …

Can one get rich by being frugal? That is one possibility. Having peace of mind is another. What exactly does the word frugality mean? Interestingly, the freedictionary.com website defines the word frugality, not in terms …

In tough economic times, it is important to find convenient ways to save money.  Fortunately, many people can save money by cutting expenses in areas they never paid attention to expenses.  Insurance, specifically home insurance, …

Let’s face it, we all love to save money, especially around the holiday season when spending exceeds the norm. And when scouting for good deals, what better place to look then a thrift store. To …

People dread being audited by the IRS, but it does happen to a few unlucky taxpayers every year. About 1-3 percent of all tax returns are selected for audit by the IRS. Most audits are …