Making any investments one should have a few things to put into consideration before they make any investment. Opening up an account for investments is not an easy thing to do but with the following …

In 2007, only 59.3% of Americans were covered under employment-based medical insurance plans. 45.7 million Americans remained uninsured in 2007. These people are the victims in today’s healthcare system. Unlike people with insurance, the uninsured …

We are not taught about health insurance in school. As complicated as health insurance is, the schools should offer a course to our children before they have to deal with it. Health insurance is important …

Medicare Replacement plans need a lot of research before they can be affective. The average person who has never worked in the insurance industry, rather on the provider or insurance side, rarely understands what they …

With all the ads offering to save me 20%, 30% or 40% on my car insurance, I realized all I had to do was sign up with the first company, then switch to the second …

Any student preparing for college will be aware of the necessity of obtaining loans to pay for the exorbitant expenses they are about to take on. Tuition, accommodation and essentials such as text books all …

Incapacity Benefit (IB) is a contributions-based benefit for people who are unable to work due to sickness. In 2008, the UK government started the new Employment Support Allowance (ESA) which rolls IB and other benefits …

What does my Financial Planner (FP) need from me to provide a detailed picture and forecast for my financial independence? If you are asking this question, you’ve come to the right place. Once you have …

Do you cringe every time you have to go to the supermarket? You are not alone, many people dread the very idea of braving the busy stores and then standing in line just to discover …

Biotech companies are the future of healthcare. They bring the newest science and the fastest innovation to a field of vital interest. Investing in biotech stocks can be quite rewarding, when the value of a …

One of the most fundamental ideas in investing is that of the “opportunity cost.” You can invest your money in only one thing, and if you use if for that only one thing, you lose …

H&R Block was founded by brothers Henry W. Block and Richard A. Block in 1955. Since then the company has become the world’s largest tax preparation business. It has retail offices in the U.S, Canada, …

One of the most profound and most famous quotation ever uttered in characterization of luck and fortune is when Virgil, the epic Roman poet said that, “Fortune favors the bold.” In Latin it is said …

Defining the word “recession” can already bring a nasty psychological effect to some people, most especially the ones who are badly victimized by this economic status. This is when the state of the economy declines …

Having a checking account in today’s world is just about a necessity.  Living in this world of online pay, and checks for just about everything else, savings accounts often take a back seat.  While the …

FIXING HEALTH SAVINGS ACCOUNTS:  Making Them More Attractive for Lower Income Working People. Health Savings Accounts (HSAs) were set up as a part of the Medicare Prescription Drug, Improvement, and Modernization Act of 2003 and …

Looking to save money? Nowadays, thats not such a bad idea. There are a lot of simple and effective ways to save a little extra cash, so listen up and get ready for three ways …

You waited until you could really afford it to buy a house. You shopped around for the best mortgage you could find, and one that was within your ability to pay. For ten or fifteen …

How many credit cards do you have? How many does one person need? Most people have maybe three or four credit cards but many have a wallet full of credit cards that do not help …

It happens to the best of us. Sometimes, economic factors beyond your control cause a company to downsize. Sometimes, a merger or a buyout means that a company’s employees will be laid off. What do …

Insurance is an important part of being a responsible driver. It is very important to carry insurance on any vehicle you drive. Insurance may indeed be expensive but it can cost a lot more if …

The are a few ways to reduce the cost of collision insurance. Probably the most common is to increase the amount of the deductible. The higher the deductible, the less you pay. I’m not sure …

Without a doubt insurance is a modern day wonder!  This tool is one of the basic necessities of life. Gone are the days when we list food, shelter and clothing as the basic to life. …

The riskiest places to use a credit card include those locations that increase financial risk and risk of identify theft. Places where credit card risk are highest are more likely to lead to the loss …

Many people recognize the great potential of budgeting to turn around their finances and lead to a lasting improvement in their monetary well-being. However, of those who turn to budgeting, a great many fall by …

Most of us have seen it on television or in a movie. A young kid on the verge of puberty riding along on his bike when suddenly the clouds part and a ray of sunshine …

Parents should be prepared to pay for their children’s motor insurance. My reasoning is based upon three considerations, the relationship between the parent and the child, social responsibility and affordability. Modern society is heavily dependent …

If you have a bad credit score, it can be very hard to get credit. If you need a loan to buy a car, a home or a major appliance, having bad credit can seriously …

Your being able to stick to your budget depends on how realistic a budget it is and how committed you’re to living on a personal finance budget. So, how can you stick to your budget? …

ATM skimmers have become a menace of its own and each year, thousands of card users are being subjected to theft by scammers using skimmer devices to steal ATM and credit card information from the …