The steps of becoming debt-free are simple by principle. But when you actually face the fact that there is debt in your name, everything becomes a bit more difficult in getting rid of that debt. …

When looking at buying a new car an insurance policy needs to be in force before the car is purchased. When a new car is purchased an insurance policy should already be purchased or in …

What is a deed? A deed is a signed, legal instrument in writing that is used to grant a right, such as the right to own real estate. Deeds are instruments which require the signatures …

When a check is in your hands, what will be your next move?  This would be the burning question posed by many newcomers dealing with checks for the first time in their life and the …

There’s a storm coming to the United States. Actually, there are several storms, including a more than $1 trillion behemoth of student loan debt that has been inflicted upon the country’s youth and taxpayers. Canada …

Is there a right way to cash in saving’s bonds? So, you’ve got a huge stack of U.S. Savings Bonds to cash in and you’re wondering where and how you are going to do this. …

When disaster strikes, both property owners and tenants usualluy undergo losses and inconvenience. The property owner is responsible for insurance coverage on his buildings and possessions, but that  insurance does not cover the personal possessions of renters or guests within …

Investing can be a very risky business and profitable at the same time  If you have never invested before, there are many questions that you will have and a lot of ideas and misconceptions that …

It’s a sad fact that very many people these days are saddled with debt. This debt includes personal loans, credit cards, overdrafts and mortgages. Back in 2001, the total US household debt just from credit …

Payment Protection Insurance (PPI) is an insurance cover given at the time of obtaining a loan or else when purchasing a credit card to protect the consumer from being unable to pay the installments due …

The home office deduction is one of the most valuable yet misused tax deductions available through the American tax code.  Both employees and self-employed persons are able to use this deduction, but it is important …

Like whole life and annuities, long term care insurance is purchasing a feeling of safety. Conventional wisdom says, absolutely yes! Their past track records are absolutely great, in large part because their main underlying investment-bonds-have …

Nothing brings a smile on your face faster than a cash injection after a financial dry spell. Nowadays, online lenders offer quick loans through websites to meet customers’ needs. Most of these websites require important …

According to conventional wisdom it is desirable for anyone who wishes to take out a mortgage or borrow money from a financial institution to maintain a first class credit record. According to theory financial institutions …

A bond is a promise to pay a debt at some point in the future.  Those debts can be issued by a government or by a company in order to raise money, and investors can …

Municipal bonds look good to the investor because municipal bonds are free of federal taxes and can be free of state taxes if bought in the investor’s own state. Cities, counties, and state governments issue …

Islamic Takaful insurance system offers many of the usual benefits of conventional insurance systems. The participants are insured against various financial and personal catastrophes according to the plan that they have subscribed to. They will …

It has been concurred by auto experts, legal professionals and motorists that texting behind the wheel is considered distracted driving and can be rather deadly to both the driver and other operators of surrounding vehicles. …

When money gets tight buying books can seem like a luxury but there are ways to get the most out of your book budget. One way to stretch your dollars for books is to use …

Renter’s insurance is often forgotten about until it is too late, much like disability insurance. Unfortunately, by the time you need it, it’s too late. Renters insurance is a surprisingly affordable way to protect yourself …

THE DIFFERENCE BETWEEN A FORWARD CONTRACT AND A FUTURES CONTRACT Forward contracts and futures contracts are derivatives used by Corporations, Banks, and Speculators to compensate the fluctuations in the exchange rate market. The biggest difference …

The sound of the furnace kicking in on a cold winter day is comforting, but can also cause a bit of stress as consumers become more and more aware this also means the energy bill …

Five tips for paying off student loans The bliss is unparalleled. You shake your university president’s hand as you triumphantly grasp the degree case that will forever hold the glorious diploma that states that you …

ETFs are basket assets, in that they allow an investor exposure to an entire sector, in a more unified manner than a mutual fund, which conversely a basket asset that can be any number of …

It’s easy to understand why a business that has a line of credit set up is superior to one that has no such advantage. This is so even though the business with the line of …

Inventing: Finding and Using Your Patent Attorney Effectively There are two theories on obtaining patents on your invention. The first, which I will discuss here, operates on the theory that youchronicle your work and protect …

Black Friday is the day following Thanksgiving Day and traditionally the start of the Christmas shopping season. What used to be a few hours on Friday morning for early birds has grown into a huge …

For most people today, buying brand name items is the norm, so much so that we often don’t even notice that we are doing it. What many people do not stop to consider is the …

Identity theft is a life shattering crime that is quickly on the rise. It affects all manner of people at all stages in their life. It can be devastating to several aspects of a personal …

Taking advantage of people is an art form in this day and age. Unfortunately, there seems to be no sign of dishonest activity slowing down any time soon. While some criminal minds have the ability …