In modern day investment portfolios, indexed annuities and mutual funds play the role of safe yet high yield investment vehicles although the two are rather different from one another. However, both investment vehicles make use …

A 401(k) is a retirement benefit account implemented under the sub-section 401(k) of the Internal Revenue Code of the United States. The employers establish the 401(k) on behalf of their eligible employees who may contribute …

Step Number One: DO NOT Pay for a Foreclosure List! Lots of there sites out there will sell you one for a flat fee or monthly subscription, but there is really no need to pay …

The word tax alone is enough to send a lot of people running for the hills. And as if filing a tax return does not cause people enough undue stress, it is becoming more and …

As we continue to ring in the New Year, we’ve likely made many plans for the year ahead. While weight loss, quitting smoking, and reading that Shakespeare collection are noble goals, it’s also a good time …

Mall shopping is normally much more convenient than visiting downtown locations within your community. There are, however, some common problems with mall shopping that need simple solutions. If you are planning on going shopping at …

A cell phone contract is an agreement between the consumer and the cell phone provider, which binds the consumer to a fixed monthly payment for a designated period of time. During this time, the consumer …

Often a daunting task for everyone living on a budget or barely within their means, saving in general is a very tricky prospect, but a necessary one. With savings people are able to afford larger …

The decision to purchase a long-term care policy is often an emotional decision, and in all honesty, it should be. From the perspective of the person covered by the policy, he or she is taking …

A quitclaim deed is a document that conveys whatever interest a grantor holds in a piece of real property to the grantee, but without making any claims or containing any warranties by the grantor concerning …

Municipal bonds have several tax advantages to investors, but only if proper strategies are used. Any of the three types of municipal security bonds can be exchanged for another, meaning, swapped. If this is done …

Debit cards have become one of the most popular modes of payments at shops, restaurants, purchasing air tickets, booking hotels or even when purchasing on-line. However, as certain experts point out, debit cards are one …

Spending more than you can afford complicates your life and your finances. Overspending can lead to insurmountable debt at astronomical rates. It can also mean the loss of your car, home and important relationships. Living …

A trawl through the Nation’s local papers and trade magazines uncovers a disturbing picture of local authority budgetary crisis in delivering adult social services, particularly in regard to learning disability provision. Reports show increasing budgetary …

If you want to hamper your ability to get a consumer loan, dash your hopes of ever securing a mortgage, kill all chances of landing a job or even renting an apartment and in some …

WHAT IS A GOD FAITH ESTIMATE Definition of a Good faith Estimate(GFE) A Good Faith Estimate is a document outlining the settlement services charges that you may likely incur in the closing process of buying …

Accumulatng debt is one of the easiest and one of the most dangerous things a person can do. You can show discipline and muddle through, but then you get hit by some emergency. The only …

With the increases in health care, it is very important to have health insurance coverage for you and your family. Many people have ended up in financial difficulty when faced with medical issues without having …

When the bubble “pops” is when most people begin to understand a real estate bubble. Don’t let this happen to you. The best time to educate yourself about real esate and finance is right now. …

In the past several years, baby boomers have begun to enter into retirement and are destined to change the way others retire. According to Statistics Canada, “Since 1921, the largest annual increase in the number of …

This article “dissects”, so to speak, the proposed assault weapons ban that is in place. The ban was first introduced on February 13th, by Carolyn McCarthy (D-NY) from there it went immediately to the House …

Of course, those imprisoned do not have full Constitutional rights, but according to the Amendment, prisoners are protected against cruel and unusual punishment. Prisoners must also be allowed a minimum standard of living. There are …

There are no areas that are left out when it comes to being wasteful. We all know that it is possible to waste the things we buy but few of us realize that we might …

A payday loan is a short term loan made to you until your next payday. Acquiring a payday loan is rather simple to do, with the only requirements being an active checking or savings account …

Is it not fair that people who don’t work contribute to those who don’t? or Is it fair that American’s who can afford health care contribute their tax dollars to support those who don’t have …

Should you invest in mutual funds or individual stocks? I personally feel stocks are the best to invest in. Over a long haul, stocks go up most of the time, your investment produces a larger …

I want to take a second to discuss the importance of Amber Alerts, and how you can be aware of them. When I woke up one morning to find a text message on my cell, …

In today’s struggling economy, we are seeing more and more young people who are solely responsible for financing their own college tuition and expenses. It is rare that parents are paying the way for their …

Tipping is an art form and like most things involving human sensibility it’s a completely subjective exercise. Telling you how much to tip is a bit like saying The White Stripes are overhyped or that …

Domestic violence is not a thing of the past nor is it going to go away any time soon. Unfortunately there are always going to be people with bad tempers, control issues and low self-esteem. …