The recent turmoil in the financial markets has resulted in some hard lessons for everybody.  One of the groups hit hard by mortgage defaults has been mortgage lenders.  Faced with defaults on the one hand, …

In the state of Montanaliability insurance is mandatory. With the exception of motorcycles, all vehicles operating on Montana roads must carry the minimum liability insurance amounts. The minimum liability coverage in the state of Montana is …

Spreadsheets can make for ideal software to set up a budget. While there are a variety of spreadsheet software, which have variable options and features, their basic options are very similar. As such, setting up …

It sounds like signing your credit card shouldn’t take any thought at all. Of course you just sign it. Today people are questioning whether or not they should sign their credit card, after all this …

Private student loans are available as the last type of financing for college students, when all other avenues have left a shortfall. When a student begins to search for ways to finance a college education …

You need an attorney If your insurance company stalls, delays or refuses to tell you what is going on with your claim, then you need an attorney. Right away. Unfortunately, I have not been able …

“The real estate bubble is going to burst!” Those words have been burning my ears since the first day I heard them on the radio driving to work. My wife and I had been dreaming …

One would virtually have to write a full-blown thesis on Life assurance in order to address the aspect of saving money on insurance premiums. However, if the following steps are followed the insured can get …

The death of a loved one can be such a sad and trying time that no one wants to think about planning for. Not only do most people not want to think about themselves or a …

Often when developing a new hobby, and adopting a change to your lifestyle, your initial concerns should focus on developing your skills first. The initial reaction is to rush out and purchase paraphernalia and additional …

First and foremost, do not be intimidated. You have not done anything wrong. They are not going to be mad at you. Whether the accident is your fault, your son’s fault, or a stranger rear-ending …

Prescription medication can be very expensive, especially if you have a chronic condition and are on a lot of medications. When you are on a budget, you may not be able to afford to pay …

I really love my house. I love the view of the downtown skyline, the location, and the roof deck with the hot tub. But financially speaking, the most important aspect of my neighborhood is that …

Helping Others with Respect People want and deserve basic human respect even through tough times. Previous generations knew how to do this because survival required the helping of each other. The barn raising event illustrates …

The price for auto insurance ranges widely.  You can literally pay a difference of hundreds of dollars on the different companies as well as the various plans within each company.  There are different things that …

Making money by work is difficult and requires considerable effort. Therefore it is always sad to watch one‘s savings lose their value, which is what happens if you put your money in a savings account …

Nowadays, both protecting our environment and taking care of our financial health are important goals to accomplish. How can we save money and reduce the energy spending at the same time? This article may tell …

Wouldn’t it be nice if you didn’t have to wait until payday to write a check for your bills? What if you could just pay for stuff and not have to worry if the money …

Once credit reputations becomes tarnished with bad credit then it becomes extremely difficult to find credit which does not come at a hefty price. The only way to move out of the murky waters of …

Not only is pizza considered an Italian specialty, but it is also one of the most quintessential fast foods in the US and the world. For proof, consider that each American or Canadian will eat …

People have been debating the death penalty for years.  Stating that if we, as a society kill someone with the ” eye for an eye” approach, that makes us no better than they are.  What if we are …

An adjuster wants the facts of the claimant’s case. The facts should allow them to best determine whether the policyholder’s insurance policy covers the loss and if it does how much the payment should be …

A tight decorating budget isn’t a deterrent; it’s a challenge. Your bedroom may be more of a wreck than a retreat, but with a little designer savvy and do-it-yourself elbow grease, that tight budget will …

Credit is a very important asset in today’s society. Differing views exist as to the overall importance of credit versus the importance of cash, however, supporters of the latter do not deny that credit can …

PREVENTATIVE MEASURES: *Always return the card to the same place in your wallet every time. Ignore the glares from the people in line behind you and take the ten extra seconds to put it away. …

A loan modification may be the difference between losing your “Home Sweet Home” to foreclosure and remaining in your castle. The recession, unemployment and adjustments to ARM (adjustable rate mortgages) have conspired to push a …

Is a Bachelor’s Degree a better investment than a BMW? At first glance, the answer seems to fall into the category of definite “no brainer.” An automobile, even as fine a product as that turned …

From 30th January 2011 the Federal Reserve will introduce a new interim rule to the Mortgage Disclosure Act of 2008. The rule will mean that all mortgage lenders must disclose all the potential costs of …

There could be any number of hiding places you could use to hide money at home.  For whatever reasons you have for stashing money away, it can be a huge convenience to have it exactly …

Americans who have European travel plans will benefit directly from the cheaper Euro, as simply put their dollars will buy more Euros, which will give them more spending power once abroad. Even those who have …