Planning a household budget and sticking to it is the best way to build a solid financial foundation for you and your family. Creating a budget is made far easier if you write down everything …

One of the scariest things about serial killers is that these vicious predators can sometimes hide in plain sight, seamlessly blending in with the rest of society. Others, like Charles Manson, are flamboyantly psychotic brutes …

The concept of just desert is one poorly understood outside of legal circles. The term’s common usage complicates comprehension for outsiders, and, even once the term’s true meaning is established, it can be a confusingly …

It has often been said that justice is blind. While this should rightly be the case in terms of ensuring non-discrimination against a defendant, the shocking outcome of some of the most high profile cases …

Filing your taxes on line; or e-filing as it is called, is the easiest and quickest way to get your tax return completed. The first place to check for information on e-filing is at the …

The amount needed to start investing is subjective. One of the most common misconceptions about investments is that investments require a huge sum to start with. When the subject of investment is being tackled, people …

Being rich may not be all it’s cracked up to be. Instead of being life on easy street, reaching a certain level of income may actually come with many additional responsibilities. Not being rich, one …

A common misconception, fueled perhaps by our experience with health insurance, is that the insurance covers routine damage. Homeowners insurance coverage protects against DISASTERS to the home and its contents. It will not pay for …

The U.S. government issues bonds both as a means of regulating the American dollar currency, but, as importantly, to raise money to finance the federal government budget during deficit years. In doing the latter, it …

Investors are looking beyond the Eurozone to hedge their risk in light of a debt crisis within that economic region. They are doing this, and can do this, by repositioning capital into alternative investments. The …

There are two different ways that banks price loans. The first type of approach is that every customer gets the same interest rate, provided that they pass the bank’s credit score. A credit score is …

The financial sector continues to grow at a fast pace. Not long ago investors were mainly limited to trading in domestic financial instruments. This has changed as most investors are now able to trade across …

If you have decided that not saving money is going to be a lifestyle for yourself, you are in a big heap of trouble down the line. Saving money is a fundamental thing that we …

I am reluctant to write about this incident, because it is a bit embarrassing since I should have known better. It needs to be told and I want to share it with others who might …

If you are like many Americans today, you might one day have to face a mortgage foreclosure. March 2008 sailed in with a evidence of 900,000 houses going through foreclosure. These staggering numbers could panic …

Financial circumstances often make it challenging for homeowners to meet their monthly obligations. Economic challenges occur and sometimes a homeowner falls behind on their mortgage payments. When late mortgage payments start, too often homeowners have …

Having one or two credit cards which need your attention is commonplace. To have multiple credit cards which need paying off is a sign that things are out of control. Interest is charged on each outstanding card …

In order to properly explain High Yield bond funds, you first have to understand some finance terms. But but don’t worry – you’re already an expert in High Yield bond funds, you just don’t know …

In spite of the fact that money seems to have wings these days, it is possible to have a savings plan.  For many who have lost their jobs or have had to take a pay …

How to Teach Children to be Smart Savers Helpful Strategies for Saving: Piggy banks Chores Use fake money they can trade for real money Recycling bottles or cans for change Helpful Hints for Saving: Small …

The world of auto insurance can seem very confusing, making it easier to just go with what an agent suggests for coverage. Learning the auto insurance lingo may be a tedious chore, but it just …

In modern business practices and in personal financing, business entities and persons alike may need additional funding than the funds that are actually available in a banking account. The requirements are often short term and …

In today’s rough economic climate, just about everyone is looking for new ways to save a buck or two. In many cases, this includes saving money on little, everyday buys – because the savings on …

Should you pay down debt or invest more? Well, it depends on your situation. Personally, I would invest rather than pay down debt. Your investment can always pay off your debt. If you choose to …

The government has given all home owners a benefit that used to be reserved as a one time option for senior citizens. The family residence can be sold and most or all of the capital …

California has a voter initiated process that could be called “government by petition” where voters can change the law themselves. California Proposition 39 is an example where voters demand an end to an intolerable tax …

Here are five simple ways to save a bundle. Economic collapse or not, you should never foolishly spend your money. Always look for value, below are some great examples on how to do just that! …

At times you can find yourself in a tough financial situation, perhaps you are unemployed due to a career change, or a new family situation; and you just need that extra help for a short …

Tax deductibility of Individual Retirement Accounts (IRA’s) is one of the primary features of these types of investments. The U.S. Internal Revenue Service updates contributions and regulatory tax adjustments to these plans annually, so it …

Although most parents want to protect their children, it is important that we teach our children about integral issues that will affect them for the rest of their lives. The more that children know about …