Lets face it, to the outsider a bank is a large complex financial machine, powerful in the extreme, justifying its every action from the microscopic print of some contract you signed years ago and probably …

Opening up a bank account can lead to debt?  What?  How can this possibly be?  You are paying what you want into that account, right?  What the heck am I missing here?  Believe or not, …

www.beyondchristmas. Beyond Christmas If ever there is a time for honesty it should be at Christmas. Season after season we wish each other ‘all the best’ for the upcoming New Year with a smile on …

You may not have dental insurance, but if you join a discount dental plan, you can still get affordable dental care for all your dental needs. An affordable dental plan, doesn’t just have to be …

Your credit score is personal look at who you are and how responsible you are with your finances. To the world, it is a reflection of your behaviors and your character over an extended period …

A credit card chargeback is a reversal of a purchase made by credit card. The bank which issued the credit card can choose to perform a chargeback on the request of the consumer, and may …

Like many things to do with motoring roadside assistance can be a matter of personal choice or experience. However, in order to judge how effective they are, there is one or two things you can …

If a you are a borrower  and losing your home to foreclosure, your mortgage would be the first call you make. When you are facing this foreclosure you are getting nowhere with  trying to avoid calls from mortgage …

Living on one income is not impossible. Yes it is hard, but not impossible for a family to do. We have been living on one income for ten years and now have three children and …

Having a good credit score is important when looking for a job or shopping for a new loan. People who have never had to obtain credit before, however, are often surprised to find how hard …

With the recession of the economy, purchasing a new home (or other property), is a luxury few of us can afford. Many people are lucky to be able to pay rent and survive with the …

When you are in the market for renter’s insurance, there are a few things to consider before agreeing on a policy. You should first know the difference between actual cash value and replacement cost insurance …

Permanent life insurance is the complete opposite of term insurance. Its permanence arises from its duration and not from the fact that the policy will continue regardless of context. Permanent life insurance is characterised by …

When a company goes bankrupt they have two options. Either to reorganize an try to stay in business by reduction costs and attract investors, or they can choose to liquidate. Either way the individuals who …

Should government pay for ALL medical care? I think not. “Government” paid means ‘taxpayer-paid’, and I, for one, believe that healthcare costs should be shared by those who “contribute to or participate in” practices which …

One of many advantages of living in Australia is that lottery winnings are not taxable. Why is this?   Well,  if you read the fine print for the various  Lotto games offered (Saturday, Monday and Wednesday) …

No matter what you teach your children, they are going to make their own mistakes, however, you can still teach some good habits when they are young which they will carry with them throughout life. …

Many college students in America go without health insurance either due to being cut from their parent’s plan at a certain age or being unable to afford health insurance. Health plans for American college students …

I’m always surprised by the insurance agents out there who simply write an auto policy for their clients, but never really explain that policy. Or worse, the agent just transfers the existing policy into their …

The cost of health insurance is rising for everyone that needs to pay for health care. This includes employers as well as individuals. States such as California are seeing rising health care costs that force …

It sounds fantastic and very seductive but the truth is, well there’s no such thing. Admittedly when you examine the paperwork you will see that the agreement shows that there is no interest on the …

During the last few months, many Americans have started worrying about the security of their money as there have been many bank closures and many more on the FDIC watch list. With that being said, …

Lease off coverage, also known as GAP coverage or GAP insurance is a type of insurance policy that covers the difference between the cost of paying off a car lease and the amount covered by …

While everyone should care about their savings all the time, this is especially true when people feel the pinch and interest rates are low. This is when everyone wants to know how interest is calculated …

Emergencies happen.  They are the (unwanted) facts of life.  An emergency can be a sudden illness, a broken refrigerator, getting a family member out of a jam or loss of job.  We do not expect …

There is a danger in becoming too reliant upon credit cards for everyday spending, as using credit cards makes it much easier to spend more than you should. When you use credit cards to shop …

For many, their 20s represent the first decade in their life as an adult. You’ve left home, joined a profession and are ready to make your way in the world. It’s time to lay the …

Household telephone bills, be they for mobiles or land lines, can be the cause of much anguish in many households – even more so when you throw a couple of teenagers into the mix. Phone bills can …

There are millions of uninsured Americans. That is an alarming number. The sad fact around smaller farming communities like that I live in is that you don’t have to be a U.S. citizen and you’re …

The United States securities industry is one of the most carefully regulated in the world. The SEC, the U.S. Securities and Exchange Commission, joins state securities regulators in watching over this vital industry. The SIPC, …