In some cases, I do believe financial problems can be avoided altogether. However in some cases, it cannot. When you start your month with a small paycheck, and pay all your essential bills first, for …

It is a great idea to give your children an allowance as soon as you think they are old enough to manage one, either on their own, or under your supervision. You will probably find …

Separating a household is difficult and often the divorcing couple may find themselves at odds over the smallest things. The details can be overwhelming. One or perhaps both husband and wife will need to relocate …

Bank fees typically are incurred where an individual’s account balance exceeds their authorised overdraft limit. In such cases, charges can be quite punitive and it is in the interests of individuals to do everything they …

Make Money in Forex Trading Start With $50 This is an exciting world. There is hardly anything like foreign exchange trading which provides round the clock home based business opportunity. Working 24 hours a day …

Saving money is the best habit to develop. It provides a financial net of protection in case of emergencies and challenging circumstances. Everyday life changes no matter if we want it to or not. Things …

With economy being more difficult than ever, learning to  spend smart and save wisely is not only important, but absolutely necessary. Bad spending habits can make things more difficult than they already are, as they …

Trading, and specifically day-trading, has certainly been around for a long time, but it gained sweeping popularity during the 90’s stock market boom. Although the fervor has dampened a bit there are still a great …

Home-Account offers a compelling service for those who are looking for mortgage loan or to re-finance. In the current economy where credit is difficult to access, Home-Account helps consumers find the right mortgage for their …

Budgeting isn’t limited to kids making the money from their after school jobs last.  With today’s declining economy, more and more families need to budget their money to stretch out their paychecks.  Whether it’s families …

How do credit cards affect your insurance rates? The idea sounds absolutely preposterous; doesn’t it? Even the thought that having too much credit card debt, or possibly paying your credit card bill late, or even …

New York has many regulations for the different types of insurance products that are sold in the state. Many of the laws and regulations are acts that have been passed by the legislature and signed …

In this age of identity theft, losing your credit card or having it stolen is extremely frightening. We constantly hear stories of people having their credit score annihilated, being charged thousands of dollars in unauthorized …

An affordable dental plan is important.  First, it is obvious as to why people need one that is not expensive.  Many people do not have a lot of extra money to spend nowadays, and they …

Many people in today’s instant gratification society are piling up credit card debt like there is no tomorrow. These people are constantly trying to find quick and easy ways to raise their credit rating score. …

Lots of people dream of making that final payment on their mortgage and owning their home free and clear, but is this really such a financially savvy thing to do? For years the only acceptable …

More and more people are waking up to the need for condo insurance. It is estimated that the number of condo owners who own personal condominium insurance policies increases every year and Insurance advisers aim …

In this day and age, it appears that the vast majority of people need to save money. Salaries aren’t increasing in line with interest rates and yet living costs seem to be increasing all the time. Once …

Is handcuffing always necessary?  Are there exceptions to the rule?  When should police not be permitted to handcuff suspects? Police officers are granted certain powers.  And by granting these powers to the police, we expect …

Dental insurance is not often in the fore front of anyone’s mind. In today’s world, health insurance is the hot topic. When problems arise, though, dental insurance can be just as important. Even when on …

Everyone who owns a home needs a way to protect themselves from all of the potential things that can go wrong with your home. You never know when a window will break, when black mold …

There are times in life when the unexpected happens such as a car accident, a cancer diagnosis, or a job loss. While each is difficult to handle, the lack of medical insurance can create a …

If you are renting, you will need to purchase renter’s insurance. Your landlord will hold a policy on the premises only. In case of fire or theft, you will not get your belongings replaced, unless …

A grouchy general signs an order, and before long you’re paying a visit to woebegone part of the world. Welcome to the world’s greatest military – notice how it’s always called that, even if your …

401(k) retirement plans that do not offer a selection of index funds may not afford employees the same financial advantages as 401(k) plans that do. According to the Securities and Exchange Commission, index funds are …

Divorce is an emotionally devastating experience in most cases. However, if you are not financially prepared, it can be financially devastating as well.  On the other hand, if you are financially prepared, this can take at least …

The State of South Dakota has a high level of poverty and many single parents want to try and improve their family’s future by continuing their education and obtaining a college degree. Along with the …

In the United States there are billions of dollars of unclaimed property. Each state has its laws governing unclaimed property. Before the states enacted these laws whoever held the assets simply absorbed them. Fortunately, laws …

Of all the things in the world, I wish my checkbook could balance itself. Unfortunately, if I do not put in the effort to balance the thing, it will get so far off that it …

It seems that every year there are new tax credits being offered for any of a variety of ways that you can be more energy efficient.  Whether it is Energy Star compliant appliances, high efficiency …