When deciding to take out insurance for your house, contents, business, car or life, you’re not going to just walk into any old insurance company and open up a policy. Before making a decision about …

Homeowners’ policies contain three preliminary sections (a declarations page, a general agreement, and the definitions section), and two coverage sections (Section I – Property Coverages and Section II – Liability Coverages). The declarations page lists …

In regards to this subject there really is no right or wrong answer. Truth be told it is the actions of the young driver that should determine the responsibility of the insurance on a vehicle. …

There is no question that that payday loans as well as the “cash for title” operations do provide a service. Businesses have been making loans to people for years, and collateral has always been a …

All of us want something in life and most of us want luxurious items, which sometimes are not in our budget. Whenever we are out to shop, we find ourselves looking at a beautiful watch, …

How to borrow money right now is something which will be determined most of all by one’s present financial standing and one’s geographical location. The history one has of obtaining and maintaining credit is likely …

The perfect insurance for the Holidays can be anything from a life policy to an annuity. Insurance make a great gift. You are giving security to the person. It can be a good idea for …

When you need to obtain credit then it is right that lenders evaluate your risk and make an assessment of your likelihood to pay it back. They do this by calling up and paying for …

Have you tried online banking yet? If you have not, you are missing out on something that is so easy to use, and is something that you are going to really want to try. There …

Many people entering the foreign exchange market are looking for a trading platform or a broker to begin with. This is one of the most important decisions that you will probably make as a forex …

If children are taught to save money from an early age, they will benefit from such an important lesson throughout their lives. Children need to understand that they cannot always have everything they want as …

Many of us have seen those brilliant commercials where a man lifting weights suddenly talks with the voice of a teenage girl. This commercial and the others from the same ad campaign are dealing with …

A credit report is very important piece of financial information for the majority of adults across the United States. A credit report and credit score are used by many different companies to determine your level …

Identity theft can take many avenues, but they all end up with a thief trying to profit from possession of someone else’s personal information. Stopping it sounds simple: don’t let your personal information get away. …

I am no angel.  But I have been held accountable for my actions since I was a thirteen years old.  I spent a couple weekends in a juvenile home in Oakland County, Michigan.  I went …

Every homeowner in the country has felt the effect of the real estate market collapse. This includes folks that have no mortgage, no intention of selling, and purchased their home more than ten years ago. They …

Many well meaning parents try to keep their children sheltered from harsh realities of the family budget. Unfortunately, as much as these parents may mean well, their children often do not understand why they cannot …

A quadruple witching is often a time of great volatility in the financial markets – quadruple witching days are, according to Investopedia, the third Friday of March, June, September and December when stock index futures, stock …

While the goal of any investment strategy is to increase your portfolio as much as possible it is also vital to protect your investments. This means finding and buying conservative stocks which will grow slower …

It is easier to overspend today that it has ever been. With the advent of credit cards, lines of credit, car loans, home equity loans, and all those “buy now, pay later” offers, there are …

In 2008, there will be a more substantial crunch by families to review their financial picture, goals and objectives. Gone are the days when one could assume or expect the business as usual attitude. The …

As the story goes, ancient Chinese merchants would ship their products down the river to the next town as part of normal trade. Farmers would ship their produce and livestock as well. The problem, however, …

United Health Care now offers the Continuity plan. The Continuity plan is a concept enacted by the CEO of United Health Care & its subsidiary Golden Rule Insurance company. The concept is a brilliant one …

The federal agency that has the highest effect on national stock prices is the Federal Reserve Board’s Open Market Committee. This committee determines the federal funds rate and this rate has implications for both economic …

When your finances aren’t in line it’s an incredibly stressful situation. Whether you don’t have any money in savings, you owe a lot of money to creditors, or both, there can still be a light …

What is a recession?A recession is when there is a decline in industrial production, employment, real income, and wholesale-retail trade that lasts for six months or more. It spells trouble for all of us. Sometimes …

A car can either make you or break you financially. Owning one is quite expensive and not easy. Since having a car requires money, most people face the dilemma between choosing either buying a new …

How to Reduce Health Care Costs Health care costs have increased dramatically over the past few decades due to the existence of proxies in the flow of funds. The following steps will reduce the cost …

A loan modification can be a lifesaver.  It can be the difference between losing your property and keeping it.  It can be particularly effective if you just need a “little help” to get over a …

If dark clouds of bankruptcy are gathering on your household’s horizon, there are alternative avenues that should be explored before taking that final financial plunge. Sometimes, with diligence and planning, these alternative approaches can work …