A debt consolidation loan sounds like the ideal solution when you have bad credit. However, things are not always straightforward when it comes to getting a consolidation loan as it often involves a third party …

Debt consolidation is a strategy to enable the debtor to re-arrangeexisting debt into another repayment plan. There are many companies offering this service to the public, some highly reputable, while many others are now out …

Your credit reports can be accessed and seen without your express permission, as agencies can provide your credit report to parties with a vested interest such as landlords and credit card providers. However not everyone …

Safe, secure investments are in demand now more than ever. As the global economy retracts investors are rushing to secure safe investments for their money. When considering safe investments bank products that are FDIC insured …

The State of Delaware provides residents and non-residents alike easy access to unclaimed property listings. Like other states, Delaware charges no fees for investigation of property or claiming property. For some, the question is how …

Where life insurance is concerned, under-insurance is risky and over-insurance is financial profligacy. Having ‘enough’ life insurance cover can save you thousands or tens of thousands of dollars in the end. The question of “How …

There are an all but infinite variety of ways to save money at the supermarket. They include being aware of incentive schemes which the relevant supermarket may offer regular customers, to watching for special offers …

What is investment risk?  Risk can be defined as the cost of being wrong in evaluating an investment outcome.  You can further define risk as knowing and understanding the expected outcome from the investment of …

Who hasn’t been affected by the current financial crisis? Personally, my family and I purchased a home in mid 2008, and before the ink was dry on the closing paperwork I was wrongfully discharged from …

The use of debit cards has become the easiest and most dependable method of paying bills. The pros in favour of using debit cards far outweigh the cons against using them, yet both factors should …

A savings account is defined as “an account at a bank which accumulates interest”. It is not very popular among investors due to its low returns. People generally deposit money (that they do not intend …

I really don’t know of anyone who isn’t in debt for one thing or another. I know that I am, and it’s all medical bills. I make payments religiously once a month, every month, and …

You need to do a little more than pay the premium and keep the documents in a safe place if you want to ensure you’re fully protected when you take out an insurance policy. And …

Retirement Planning: 2011 IRA Contribution Limits Maximizing your IRA contributions is an effective method of saving for retirement. The Internal Revenue Service imposes strict limits on the amount of annual contributions which may be made …

The first thing to do once you have been laid off.. is to grab all your bills and statements and sit down and figure out where you are at. If you have already been living …

There are an all but infinite number of reasons for taking out a personal loan in the modern world, especially with the way in which they have become far more widely available in recent times …

Renters insurance provides protection against personal property loss and liability. So when something happens to your stuff you have some monetary backup to help you out. And, of course, if something happens to someone else …

Things to look out for in a Direct Debit supplier If you’re looking to take advantage of the many benefits of using Direct Debit to collect from your clients, it’s worth considering the main things …

Missouri requires all registered vehicle in the state to carry minimum amounts of liability insurance at all times. The minimum amount of liability insurance coverage required to satisfy Missouri’s Financial Responsibility law is 25,000/50,000/10,000. This …

Identity theft is a modern crime washing through the world. Technology has made it easy for fraudsters to delve into private information and retrieve details to steal. They may use your money or credit to …

Insurance industry insiders sometimes refer to life insurance as ‘love insurance’. Any other form of insurance may benefit the insured while the insured is living. However, life insurance is not for the insured, but beneficiaries. …

The answer to the question ‘when should I sell my shares?’ largely depends on what kind of investor you are. Investors generally fall into one of two categories; they either pursue a Long Term Buy …

Purchasing a Home (Real Estate): Purchasing a home (real estate) is a socially responsible investment.  You may be purchasing a home for you, or you and your family to live.  You may be purchasing investment property.  That would be …

The good news is that in the military payday always comes around. The bad news is that sometimes, for many,  there is more month left at the end of the paycheck. The stress of deployment …

Annuities are a financial planning tool that come in a variety of types and strategies, designed to maximize distribution of funds in a tax advantaged manner. It is probably one of the least understood and …

It was a beautiful, sunny Sunday afternoon when I sat beside my husband to have the dreaded debt talk. We had finished our ritual of a lavish and lazy breakfast and because of moving to …

Want to get money into an interest-bearing account to take advantage of compounding interest, but don’t have any extra to get started? Here are 8 tips for starting your savings by reducing your expenses in …

The Death Penalty for Child Molesters? Let’s Give it a Try. It’s time for the American people to stop letting child predators roam our streets and prey upon our young. This recent case in Missouri …

There are only a few issues that manage to arouse strong emotions in people, dividing them into 2 opposite camps in the process. The death penalty is one of those issues. Rarely does anyone not …

Individual Retirement Accounts (IRAs) are probably the commonest retirement benefit investments utilized in the U.S. because their savings can grow as tax-deferred investments until retirement. In a time where the prospect of bankruptcy is being …