You have worked hard to accumulate your savings and now you are going to put some of it into the hands of a stockbroker to make your money work for you. Therefore, it is essential …

Webster’s defines a recluse as someone who is removed from society by choice. An individual who lives in solitude, or who prefers life as a shut in. And while this definition isn’t exactly considered a …

We humans are as creative on the “Dark Side” of commercial activity as we are in developing beneficial new products and services. In the face of huge financial benefits, however, some corporate executives can’t resist …

The key to finding affordable life insurance is to obtain and compare a rate or price quote from multiple insurance companies. A quote can be used to compare coverages, rate factors and benefits as well …

Don’t leave home without it! Auto insurance is required to operate a vehicle in South Dakota. Any vehicle being registered in the state must carry minimum amounts of auto insurance in order to satisfy the …

I use a credit card for EVERYTHING. However, it is usually my checking account card, so it comes straight out of my bank account. I have heard people say that you should always use cash …

Your money working for you. Sounds wonderful, doesn’t it? “How do we make our money work for us?” is a simple question with simple answers. Save early, save often and invest wisely. Saving early and …

If you have decided that you need to save money, then you will need to figure out a way not to spend it. For many people, the more they earn the more they spend.  Here are …

Many banks offer the option to do your banking online. This is a wonderful feature that many people are starting to use. Learning to bank online doesn’t have to be difficult even for those who …

What is Social Security all about? A lot of people don’t know the ins and outs, and some are not quite sure if it will be around when they retire. For the most part, Social …

Like all states, Hawaii has millions of dollars in unclaimed assets. Residents, business owners and heirs of business owners and residents in Hawaii should know how to find unclaimed property in Hawaii. The process is …

Personal loans can be a useful way to finance a large purchase. For example, they are commonly used when buying a car. However, in order to obtain a loan from your bank, you will need …

Retirement is a great time of life, and for many it represents the end of many years of toil in the harness of a job. But for many active seniors, membership in the workplace keeps …

Working from home is very realizable nowadays with the convenience of the Internet.  Attain a home-computer, a quiet place to work, and an on-line venue where you are comfortable in making a full-time living and …

Managing credit cards can be like playing with fire. Even in this economy, it’s far too easy to get credit cards. For years, the credit card companies have issued cards willy-nilly, practically giving one to …

Remaining positive and healthy while looking for job is very important. Extensions on employer insurance programs or CORBA plans can be expensive and hard to maintain financially especially during a long period of unemployment. Insurance …

As prices rise and the recession continues to linger, more and more people are looking for creative ways to increase their bottom line by way of their paycheck. The current instability of the economy makes …

Key information about stocks is found in the basic stock table, especially for those learning about the stock market. For this discussion, you can follow along by opening another window to view online stock tables provided by …

One of the most important things that you must learn as you become an adult is how to manage your finances efficiently. Unfortunately, these skills are almost never taught in school. Therefore, teens rarely have …

The first thing to make clear is why invest in the stock market. You can get 5-6% interest risk free so the first question to answer is why take a risk.The answer is that on …

INDIVIDUAL HEALTH-CARE INSURANCE POLICIES My basic advice is simple. Ask everyone you know who has an individual plan. Then call those insurance companies, but also call companies you don’t think have individual plans. About 18 …

Most people encounter some period in their life when they may be short on cash. The main thing is to quickly be able to “encash” what you own into liquid cash, or cash equivalent.  1. …

There are plenty of people who exist on a low income and are completely happy with their lot. Perhaps they have a job that isn’t particularly responsible, allowing them plenty of time and energy to …

A Real Estate Investment Trust (REIT) is a public or private corporation that provides a way for investors to pool their funds to invest in real estate. The two main types of REITs (in addition …

Perhaps the most common question with regard to permanent life insurance policies is, “Can I borrow any of the cash value?” What is disconcerting is the fact that no one ever asks, “How will this …

During tough economic times, learning to manage your finances responsibly can save you from big trouble. While it cannot happen overnight, especially if you are used to a specific lifestyle, practice makes perfect, so giving …

Buying more food than you need is a common practice in American households. Our supermarkets are set up to entice you to buy, even when the items on display are not on the shopping list. …

There is no substitute for the feeling you get from purchasing something you really want to buy, but in some cases renting the item can be much more financially savvy. Take a look at a …

An individual policy is one purchased by an individual who is usually self-employed and does not have access to a group policy through an employer. People buy insurance policies out of need, but tend to …

No one wants to think that they need a will. A will is something that only older people need, not young and healthy people. But the sad truth is that everyone needs a will. A …