Haven’t we been punished enough? Hasn’t every way to make more money off of those who are already in a bad financial state been made? Banks, credit card companies and mortgage companies are already punishing …

Have you been thinking about opening a  certificate of deposit at your local bank? If so, you might want to know about some of the pros and cons of taking one out. While it has …

Most of us will only dream of the possibility of opening a letter in our mailbox and discovering that we have a small fortune waiting for us. While this may seem improbable, this is exactly …

Life insurance is a risk-management vehicle designed primarily to protect the financial stability of the insured’s household in the event of the insured’s death. A life insurance policy represents the contract between the insurer and the insured. It …

As 2009 winds to a close, it’s time to start thinking about income tax returns. Every year there are tax changes that have resulted from legislation enacted by Congress. In 2009, there are some new …

Even the most frugal of folks might find a grocery store to be the bane of their existence. The rising costs of goods and services has made grocery shopping a budget killer, and in the …

With the global recession having hit hard, many individuals are finding it increasingly difficult to get a foot onto the property ladder, due to lenders tightening their lending criteria. For those who are successful in …

Long Term Care is one of the most overlooked forms of insurance. People buy insurance to protect their vehicles, homes, health, and loved ones financial interests. However, protection of ones personal assets is often neglected. …

Perils and Policies Now we may be in a difficult economy currently but the last thing you should cut cost on is your homeowners insurance.  Homeowners Insurance can protect you through the worst case scenarios …

Since no other information on this silly question is given, naturally I’d choose the car. It has to be a bird in the hand choice if there ever was one. Many years ago, I earned …

Technical analysis in stock trading refers to the evaluation of stock price changes over time. These changes are measured and plotted using formulas, charts and graphs and assessed in terms of patterns, and strength of …

When it comes to having multiple sources of income, there are obvious advantages as well as other distinct benefits you may not have thought of. When I first graduated college, I did exactly what the …

A credit card can become a real painstaking worry if lost or stolen. Having experienced both lost and stolen credit cards the worry sets in when I realise something is missing from my pocket or …

A group of consumer advocates are promoting a campaign which aims to protect individual freedoms to pay for goods and services as they choose. The Right to Write Checks campaign was launched as a bid …

Funding college is probably the number one question of many new students. It is an especially difficult and stressful road when neither you nor your parents are rich. But, there are ways in which college …

When considering a return to education by attending one of the colleges within Colorado, you may be able to top up loans with state assistance too. Most of the colleges themselves have some kind of …

Project management needs to be a carefully planned and organised process that works towards a specific objective such as constructing a new building or performing a refurbishment. Actually this is probably a little bit of …

Many people do not realize that their home insurance policy does not cover their business property or pursuits properly. Most policies restrict the amount of coverage on business property to $2,500 or less. Liability for …

Monitoring your finances is very important. It is one of the keys in successfully implementing a financial plan and achieving financial goals. Many people never pay much attention to their finances until they come to …

Saving money is vital, and a savings account allocation should be part of every budget. Most financial experts recommend saving between 10 to 20 percent of your gross salary. Experts like Dave Ramsey, for example, …

It’s the American conundrum: House is purchased with Hard Work; Hard Work fills House with Love; Love and Hard Work go on shopping spree; Bye Bye House. We’ve all been there. Few of us are …

A debit card works the same as a credit card when shopping and making purchases. The only main difference between a debit card and a credit card is that a debit card’s spending limit is …

Christmas is the season of giving, but buying gifts should never sink you into debt. By following a few simple tips, you can keep your Christmas spending on track. * Make (and Keep) a Budget …

When a person has been a victim of credit card theft, often their first indication of the violation is charges that cannot be explained appearing on their credit card statement. Without knowing the proper way …

To beat the market, a casual investor should consider employing two strategies in conjunction with each other- fundamental analysis followed by technical analysis. Fundamental analysis consists of trying to determine the actual business value of …

In order to buy one’s dream home, a mortgage approval is necessary for all but cash buyers. As a mortgages is a long-term financial commitment, it is important to not only obtain mortgage approval, but …

Answer to the Christmas Crunch 2008 In my opinion, there is only one answer to the Christmas crunch this year. There is absolutely no need for anyone to take a loan out anywhere for the …

Real estate investors have an international bad reputation for taking money from potential home buyers. Are they any different to car salesmen or any other professional that is dependent upon your spending to make a …

For years, environmentalists have promoted the benefits of helping our environment by wasting less and decreasing the amount of stuff we put into your landfills. A side benefit of reducing the amount of waste you …

Life After Bad Credit As the old cliche goes: “Bad things happen to good people”. Problems beyond their control arise all the time that prohibit people from making good on their debts. Sudden lay-offs, unexpected …