A premium bond is a lottery bond issued by the National Savings and Investment Scheme (NSI), run by the United Kingdom’s government. Bonds are currently sold in multiples of 10 with a value of £1.00 …

In general, the cost of voice communications has become relatively less expensive over time as technology makes improvements to the infrastructure and makes telephone switching cheaper and more efficient. However, there are various reasons for …

When you’re purchasing a property, whether a home or investment property, you need title insurance to make sure that you have clear title to the property. This means that not only are you the rightful …

Clearly, abuse of credit has done serious damage to the American economy, but the sky isn’t falling. While bond insurer Ambac disappointed investors today, at least the poor saps who took directional positions, it has …

In today’s world, uncertainty is the certain reality. Expensive, cherished personal possessions are not spared when the unthinkable knocks at the door- in whatever form it chooses. Robbery, fire disaster, willful damage by vagrants, are only a few …

With the amount of debt that has been accumulated in recent years, trying to get out of debt with a debt consolidation loan has become a popular way for a person to reduce or eliminate …

Who hasn’t heard those catchy TV jingles telling about all the problems that could have been solved with a free credit report? In a way it is true. If you regularly get free instant credit …

If you are retired from the workforce there is a good chance that you are now living on a fixed income each month. You are proud of the fact that people are now paying you …

Your checking account is an important part of your financial planning process! If you ever want to become financially independent, you need to know how to make the best use of it and recognise how …

When you decide to fight an “auto insurance claim denial,” you should begin with a clear understanding of the circumstances. If you already know that a “denial” is an insurance company’s refusal to pay a …

Until the 16th century and the reinvention of commercial or mercantile banking, the way to invest was to withhold some of your income from consumption, accumulate enough savings in the form of cash, then invest …

Death is not a very pleasant thing to think about, especially when it happens to be our own death that we are thinking about. However death is something that every single person has to go …

Frugality might sound like an embarrassing infection of intimate areas, but it is a valuable and much under-rated life skill. If times are generally hard, if you personally have a cashflow problem, or if you just want to …

Gambling while drunk is usually not a good idea unless the money has already been accounted for as a loss by the gambler and the law allows for it. Even so, the consequences of such …

The Legalization of Marijuana On November 6, 2012, the states of Colorado and Washington legalized the possession and use of marijuana. What does this mean for the nation of America in general? Was it a …

It wasn’t that long ago when doing taxes was a pretty daunting task. It required reading a big boring booklet, or at least parts of it, examining every line on every form, filling in numbers …

Holidays are fun, and normally it’s more fun if you spend more. When you’re on a holiday, all you think is just having the great time of your life and seem not to care about …

Finding a high quality lender, with a great rate and the best terms can be a difficult process, especially with all of the lenders available to choose from. It can be mind numbing with the …

One of the main perks we think of when we think of travel reward cards are free or discounted airline flights or hotel rooms.  There are several other perks that may be available to you.  …

The disadvantages of taking out a private loan are many and the process is equally fraught with danger. Private loans are not subject to legislation or regulation in which personal loans from such as banks …

Society has evolved into a prison state. The poor, the unwanted, and the great unwashables are put out of sight. The true predatory criminals are usually not caught. They are too smart. This system is set up in favor …

Investor should consider investing in foreign stocks for diversification of portfolio, dividends yields may be higher than those offered by companies listed on United States’ stock exchanges, foreign economy is growing faster than that exist …

Payday Loans are not consistent with a free market. In a free market both the seller and the buyer have the opportunity to walk away from the deal no worse for wear. In the typical …

There is a practice in Malta that is affecting both foreigners and locals alike. A couple will buy a house. They go through the correct legal procedures to make sure everything is above board: they …

One of the most important principles in improving and maintaining finances is to simply spend money that you currently possess and refuse to borrow money. Credit cards, loans, and other forms of borrowing are slippery …

Hands down the best time to begin your journey towards investment success is very early in your adult life. I realize that at this point in your life it seems like you have all the …

Investments are Unlimited This is a great time to invest in many different areas of the art, real estate, energy markets, and more. In looking at investing, we might be tempted  to return to the thinking of the …

Unless you’re a hermit, you’ve probably witnessed child abuse or neglect. Reporting it is most unpleasant. Though you may be a person who never shirks an unpleasant responsibility, it is usually a difficult decision for …

At times cutting back can be difficult especially if you or your family is used to a particular lifestyle. However, sometimes it is essential to curb spending and eliminate non-essentials in order to survive. This …

In the current interest rate environment, there are a number of good alternatives to EE savings bonds. For EE bonds purchased between May 1 and October 31 2007, the interest rate is fixed at 3.4% …