When filing an insurance claim, determining the extent of loss follows one of two straight forward and established guidelines, actual cash value or replacement value. Both are based on the cost to replace loss property. …

If you’ve got a lot of junk in your garage or if you want to market an item you own which is absolutely amazing, but don’t know where to sell it, check out the list …

Individual Retirement Account (IRA) is a type of tax advantaged retirement savings plan. Some Americans use IRAs as their principal vehicle for retirement savings. Others use IRAs to supplement their employers provided retirement plans.  There …

Although paying off your mortgage before retirement is generally thought of as a good idea, there are some considerations that should be taken into account. The biggest consideration regarding your mortgage and your overall retirement …

Home is where most of our time is spent. We choose to stay home instead going elsewhere. We prefer to done our work-related or school-related stuffs by web surfing in our home than to use …

How to apply for food stamps in Ohio is a question most applicants never thought they would be asking.  However, statistics indicate more and more Americans are in need of this essential benefit to supplement the nutritional needs …

Tired of your current rental property, but don’t want to pay income taxes on the sale? Thinking of trading your old business car in for a new one? Looking for less time committed to managing …

The idea one should keep in mind while adapting to the identity of, “smart shopper,” is that most purchases benefit either both consumer and producer relatively equally, or disproportionally benefit the producer. Here are a …

A young mother sits at a kitchen table, afraid to open her mail. Barnes Jewish Hospital, St. Joseph’s Medical Center, Doctor Smith’s office- no need to open the letters, as she is already fully aware …

You spent the past year restoring that Classic American Muscle Car in your garage. Endless hours of blood, sweat, and yes, some tears have gone into the project. On top of more money then you …

Benefits of passive income are numerous, and they are easy to create. You have heard the hype and the propaganda, but I will show you how to easily do it at no cost to you. …

For investors who want to engage in individual stock picking, a good starting point is to look for some quality conservative stocks to build a stable portfolio.  There are plenty of ways to define conservative …

Growing your net worth is a simple task. Simply cut down on your bills! Okay, so it’s easier said than done. But the more money you have, the greater your net worth. So it should …

With the recession in full swing, more and more people are realizing that their spending habits with credit card usage have gotten out of control. As a result, they are finding it harder to meet …

It is very important these days to save money.  Most people have savings goals, such as maintaining a sufficient emergency fund, saving for their retirement, or finding ways to fund their children’s education.  Opening a money market account …

On July 1, 2009, the provision of the College Cost Reduction and Access Act of 2007 went into effect.  But is it enough?  Hundreds and thousands of borrowers anticipated some hope of relief only to …

Flaws in Florida’s prison system are greater and more common than most people may think. The prison system is suppose to be in place to put criminals away who break the laws and pose a …

Individuals that have lost their job and are currently receiving health insurance provided by COBRA can typically convert to an individual health insurance policy. This right is provided by the laws that exist for individuals …

Instead of being burdened with a thirty year mortgage loan there can be immense satisfaction in paying your mortgage off early, and with careful budgeting it can be done. Some argue against the wisdom of …

Your world would be in chaos, and never be the same, if you got very ill, or injured, without medical insurance! While some people prefer to gamble when they don’t have insurance for a few …

Giving your child an allowance is a fantastic way to make them economically aware at a young age. Nothing can help your child learn about money better than to let them earn their allowance. How …

Today’s buy now and pay later philosophy can have detrimental effects on your credit score rating. With this in mind, there are some steps that you can take to improve your credit score. A credit …

A Guide to Personal Finance Tips The world of personal finance can be a challenging one in which to get a good footing, but believe it or not it is possible. Even if you have …

First and best way to cut your car insurance premium, in the US states I’ve lived in, is to have an excellent driving record. Do not get traffic violations and do not have accidents. Be …

Your Fico credit score is a vital figure which is hard to get away from as so much emphasis is placed on it in so many areas of life, from your employment prospects to your …

The idea and meaning of the American Dream has changed over the last few decades. It was once an all inspiring goal to reach and is now a mixture of bewilderment and discontentment. The term …

The simplest form of life insurance and the most cost efficient is term life insurance. The concept is very simple. Life insurance is taken out for a fixed term during which time the premium remains …

Taxes have been a frequent subject of political discourse since the first tax was levied. In recent years, a flat tax system has been advocated as a solution to complex tax laws and unfair taxation. …

A plethora of people fail to give much thought to the cost of banking. Monthly checking fees, bounced-check fees, ATM fees and so forth. Yet these can certainly add up fast. Shaving banking fees can …

          If you’re interested in applying for a vehicle loan there are a few things you should know. The first step in the process is deciding your affordable monthly payment. Deciding your affordable monthly payment …