The American Dream can have many meanings, depending on whom you ask. A lot of people refer to the idea that all Americans can prosper financially and spiritually through hard work, regardless of religion, ethnicity, or social …

To get the most out of speaking with a financial planner, you need to be prepared to the best extent that you can. Having a list of questions can be very helpful, as well as …

Tax return forms can be intimidating and confusing. Using a tax guide can provide taxpayers a better understanding as to which form or forms should be used as well as knowing what information is needed to complete …

One way to make money in real estate is to buy a property that no one else wants and turn it into a property that’s in high demand. Although the plan is simple, finding the …

Teaching a child financial responsibility is of high importance. Contrary to what many parents believe, simply using the right words is not enough for a child to learn to manage his finances effectively. In order …

Every since the price-to-earnings ratio (P/E) was made famous, inspired investors have borrowed that same underlying logic to value companies by comparing stock price, or an equivalent, given business value, to almost everything else besides …

Most people are looking for ways to save money.  Although clipping coupons is one way to save on groceries, not everyone has the energy or time required to do it.  The following are ways to …

If you are responsible enough to drive it, you can help foot the bill. Car insurance is a requirement to drive. Our young adults need to get use to the idea of bills. And this …

You should always want to make sure that your children have every advantage that you never had. As such, if you have obtained financial freedom, you may be tempted to give your child everything and …

When you’re young, retirement is something far into the future. No need to plan for it, or even think about it, because you still have a lot of living to do. Is it a mistake …

Citizens Bank offers two great cash back credit cards which give a one percent return on all purchases in addition to card holder benefits. Consumers can choose between the Citizens Bank cash back Platinum MasterCard …

In the recent economic recession, many people lost their job, home, and self respect. And now, since the unemployment rate has skyrocketed out of control, college seniors have started to doubt that they even needed …

It is extremely rare to find someone whose finances have never fallen off track at least slightly.  Sometimes it is due to poor decisions, even if those poor decisions seemed like good decisions at the …

Minnesota started the Unclaimed Property Program in 1969, designed to return property to those who can prove ownership. According to the Minnesota Department of Commerce, the value of property that has been returned is almost …

Balancing your checkbook is a must to avoid surprises. Without a clear knowledge of what is “out there” you will have no idea how much money you actually have in your account. A step by …

Tax return preparer fraud usually involves the preparation and filing of false income tax forms by professional preparers who either claim inflated expenses, credits that are not allowed, or excessive exemptions on returns that are …

Throughout my long working career as an advertising writer and journalist, I always managed to earn enough income to provide for my family’s financial needs. However, no matter how much I brought home on payday, …

Losing a job is rarely a positive experience around the time that it happens but for the diligent savers it has the potential to become just that. If you’ve spend your years of employment saving …

We as a country are a misguided and often times a bewildering entity. There are many hypocrisies and failings in our justice system in which accomplishes nothing more than the wasting of time, money, and success …

Buying a home means a new mortgage payment. The new mortgage maybe your first or fifth one. It is important to understand the terms and monthly payment amount. Make sure you know the terms such …

All our lives, retirement has been something on the distant horizon, something that happens to other people, then BAM! all of a sudden it’s here and it’s our turn. When to begin taking social security …

A debit card acts much the same way as a credit card but unlike a credit card it is secured with your own money. There is actually no credit involved. There are 2 types of …

Health care reform has been a topic of interest in the United States for almost a century. After careful research, this author can expertly make several conclusions from a history steeped in resistance. This author …

What does the phrase, “Shop smart”, actually mean? It means buying what you need and not wasting money in the process. It is so easy to wind up spending more than your budget allowed on …

Having been actively trading and teaching in the markets since 1999, I have come to the conclusion there really is not a great deal of difference between investing and speculating. The difference between the two …

Five steps to killing your living expenses Living expenses are the regular costs that you typically incur on a month by month basis. This can include essentials such as the cost of your mortgage or …

As with every other entity, health care costs the uninsured much more than it does the insured. With insurance an office visit costs the client twenty dollars. The uninsured client with the same problem will …

The optimum way of ensuring you can obtain a credit card in a tight credit market is to have excellent credit. Risk averse lenders still want new business: they just want to avoid the consumers …

It is widely believed in western countries that it is cheaper to buy junk food than it is to buy healthier options. Certainly, the price of fruits, vegetables and lean meats can be very high, …

The majority of people these days will have a checking account available through which most of their money, such as their salary, will pass. Having a checking account is useful in that it keeps money …