Believe it or not, but declaring bankruptcy can actually help you increase your credit score. It is amazing, but true. When you reach the point in your financial obligations that you default on loans, have …

Hundreds of people around the world find themselves becoming victims of identity theft and many more are left worried that they too will become victims. To help protect yourself you can follow these top 10 …

You’ve made the big decision. This year is going to be different. This year you are going to get on top of your personal finances and create a budget to help you plan, track your …

Most companies now offer customers the option of paying their bills online. And the majority of banks include free online banking with bill pay, whereby you can simply log into your account and instruct your bank to …

Of course, none of you out there ever drive over the speed limit. (And I never ever do either.) But just in case “a friend” accidentally does get a ticket for speeding, here are some …

For some people having a credit card or multiple credit cards can be a bad thing. If a situation arises in their life that causes them to need immediate money over and extended period, credit …

With the recent economic difficulties and prices of many things continuing to increase, people are looking for ways to make their money go further. One technique they may use is using coupons.  Just because you …

Having been in the credit industry for the previous 15 years I can assure you that other than your personal credit score, the debt-to-income (DTI) Ratio is the most important factor creditors analyze when deciding …

The first rule of real estate investing, even before location, location, location, is be very careful with whom you are dealing. For some reason, real estate is fraught with unscrupulous characters, many of whom you’ll …

You can invest in bonds with various banks. Bonds require that you invest for a specific period, without withdrawals, with an interest rate provided in much the same way as a savings account. As such, …

The personal loan application process doesn’t take much longer than the credit card application process, but the chances of a personal loan application getting rejected are much higher because the bank is taking a bigger …

First invented in 1939 by Luther George Simjian and installed in select bank locations, the idea of an automated teller machine (ATM) didn’t really take off until decades later. Initially, consumers did not want to …

I think it would be great if everyone in the US had health insurance. But I am still confused on a few issues. The reform states that a majority of premiums and health care costs (for …

The bill has arrived for this coming semester and you know you don’t have the money saved to pay it. So what can you do? Many banks and credit unions will refer you to the …

Dental Insurance is available to employees in group health insurance plans and it is also available to the general public through a large number of national dental health plans. The cost and savings in the …

Much has been said and many irreversible mistakes have been made when investing in land. Whether buying to baby sit a raw piece of property for a future profit or simply for your new  home …

Since 2001, the demand for short term Payday loans in the United Kingdom has massively increased. According to the latest survey by ‘Customer Focus’ the variety of Payday loan users in the UK has reached …

Risk is always associated with investments. You can never have an investment without any accompanying risk. Aware that risks are part of investments, you want to decrease it while at the same time either keeping …

A gay prison inmate, Daniel Osazuwa, was in jail for failing to pay restitution on a bank fraud conviction. Shortly before his 90 day sentence was to end, Osazuwa assaulted a jail guard. The inmate …

You can’t prevent ID theft. Most of the time that personal identification and financial information is stolen, it’s stolen from data bases of companies with which you have a relationship. These are retailers, employers, investment …

For many years people lived without borrowing money and by necessity lived within their means. Saving up for things was a way of life or one simply did without. The change in society’s attitude to …

Email is a great way to save postage, but many of us still like to send and receive a real letter or card once in awhile. The best way to save money on postage is …

Give Us This Day Our Daily Bread So you go to your local market because you need to pick up a loaf of bread to make sandwiches for your child’s lunch. You also pick up …

America’s demographic is comprised of a large number of older men and women. Many of them are often called Baby Boomers. Watching this generation who are living much longer statistically than their parents before them, …

Thrift was once considered a virtue. Children learned that “a penny saved is a penny earned,” while adults cautioned them to remember that “a fool and his money are soon parted.” But these lessons have …

Florida requires that all automobiles registered must be covered by standard liability coverage. At http://www.dmv.org/fl-florida /car-insurance.phpit is simple for Florida drivers to obtain up to five quotes from leading insurers to ensure that you are …

“Common law” as opposed to “statutory law” is the body of law derived from judicial opinions or decisions in particular cases, rather than from statutes, constitutions, or treaties, that have express provisions creating rights, obligations, …

Eating out is a favorite activity for many people.  It is a social activity, as well as being a break from cooking and doing the dishes at home.  Many people also consider it as a …

Clarence Darrow, best known as one of America’s greatest trial lawyers, was also an author, public intellectual, leading civil libertarian, and outspoken agnostic. In his long legal career, he participated in some of the great …

People that own sports cars generally pay more to insure their vehicle and should know what to do to save on the cost of the insurance. This includes looking for available discounts, increasing the deductible …