We have a criminal justice system that makes very little sense; we lock up people, sometimes for many, many years, and then expect them to know how to make a life for themselves after they …

The Blue Cross Blue Shield Association (BCBSA) is an American group of 39 individual, society located and locally managed Blue Cross and Blue Shield health insurance companies, in full covering over 100 million Americans. The …

An important role that parents play in the lives of their teen aged children is to help prepare them for their future lives. The best way to accomplish this goal is to educate teens on …

An automobile insurance policy contains coverages that pay for certain types of damage and injury as the result of an accident. One such coverage is called comprehensive which will pay for non-collision damages, comes in …

Auto insurance protects you against financial losses such as car repairs, medical bills and legal services resulting from accidents. But finding the right car insurance policy in Maryland can be tricky. More than 200 auto …

A home mortgage is for most people the biggest single expenditure which they will ever take on. It is a long term financial commitment and getting it right is vital. Comparing mortgage rates before leaping …

A credit card is not free money; it is a loan to be paid back under terms described in the credit card agreement. Today, a credit card is practically a necessity, but beware. It is …

There are a variety of ways to avoid debt which can involve a number of financial strategies. Here are a few tips to better avoid debt. Open saving account: You can open a saving account …

CVS has a great way for its customers to save and to earn money.  CVS has a rewards program for its members.  The first thing a member must do is sign up of the program.  …

Some life lessons are harder to learn, and they cannot necessarily be taught. You can tell children not to jump on furniture until you start to lose your voice, but they may not listen until …

Choosing a contribution level and reviewing the statement when it comes in the mail, is what most people do with their 401K plan. There are things you should know about your 401K plan and you …

Health insurance is needed by every American citizen to cover the costs that are incurred for various types of medical expenses. Coverage is provided by various types of health insurance companies. One of the main …

Auto insurance is the law in Delaware. All registered vehicles in the state must include a minimum liability policy that includes 15/30/10 coverage. This is the amount the auto insurance agency is willing to pay …

Friends told you your great idea would make a great business – your own business where you call the shots and where you answer to you. After some serious day dreaming about what that career …

The State of Kentucky seems to have focused more on establishing alternative loans for students rather than other alternative funding, leaving private loans as the secondary source of funding they recommend after federal loans. Any …

In the ideal world money is ultimately efficient in terms of its liquidity, a point which advocates for cash heavily rely on. Unfortunately, cash is also much more of a lucrative and appealing commodity to …

Questions about the benefits of portfolio diversification came to light after 4th quarter of 2008.  This is the time when Lehman Brothers went bust and panic was the cloud hanging over financial markets worldwide.  This …

Retirement is in the foreseeable future. All your life you’ve given some thought to what it would be like. As the time approaches, there’s a mixed sense of panic and excitement. If you’ve planned for …

As a seventeen year veteran of the state of Arizona’s Family Assistance Program, I have seen all kinds of people seated on the other side of my desk.  Where many people have the misconception that …

Online banking can be a very beneficial and useful means of keeping track of your funds and your budget. Not only can it save time as it voids the usual routine of having to go …

Unless you are fortunate to live in an area that is favorable to boating all year round, you will need to undertake hauling and laying up your boat at the end of the season. Just …

Most lenders use FNMA (Fannie Mae) or FHLMC (Federal Home Loan Mortgage Corporation, Freddie) loan products as most individuals know now that these agencies have been all over the recent news. This does not mean …

Candlestick charting is a kind of financial analysis used in what is known as technical analysis. Technical analysis of financial securities interprets charted or graphed price movements, patterns and trends of a financial product. In …

When you use credit your credit activity is reported to the credit bureaus, who in turn report to FICO which compiles your credit score. In a similar manner banks, credit bureaus and other financial institutions …

Some people tend to look at investing the way I look at gambling. They invest in a stock and they hope it goes up. They have no ability to control what the stock will do, …

Do you know what it means to get a pink slip when you are on the job? Well, it means that you are about to get an exit interview because you just did not work …

We all know the importance of our credit scores. If your score is not where you want or need it to be, is there anything you can do? Sure is. And it can all be …

Even in the current economic environment, many people do not realize the importance of planning for retirement. Yet, saving for retirement is always important, at any age. Especially for recent college graduates who need to …

The five best tax books for taxpayers cover up to date, and pertinent tax concepts while also providing insight and useful knowledge regarding tax filing, planning and strategy. No one tax book may provide all …

In today’s economy scaling back may be the way to survive. Most people have to take steps to they are not accustomed to. There are many ways you can scale back on your salary and …