According to the results from August 2011 of the National Foundation for Credit Counseling’s online poll, 64% of respondents would not be able to tap an emergency fund of only $1,000 if they were confronted …

With our plastic cards readily available, it is so easy to spend, spend, spend. Now when it comes trying to save, on the other hand, it is another story. You have a goal to reach. …

Many people have made a conscious decision to be uninsured and the reasons behind the decision are many. For some it is budget, for others it is value, and for others it is health. There …

A Renter’s Insurance policy or a Perils Policy is the insurance coverage of a rented property against damages and losses incurred due to various perils. The Policy specifically states against what perils it is insuring …

Retirement and “lower income” are words that strike fear into the hearts of many people who have not planned ahead throughout their adult working lives. With the realization, there is a certain amount of near …

Foreclosure is a scary word and an even more frightening reality for many homeowners nationwide. However, knowing how the foreclosure process works is the first step in knowing how to stop it. While specific foreclosure …

The bottom line when it comes to negotiating credit card debt with a collection agent is to first find out if that debt is with the original lender.  For example, if you have a credit …

Free market exists when neither the buyer or seller are not coerced by a third party to make decisions about the goods being bought or sold. In the payday loan business, the third party is …

Credit cards certainly have advantages to them, and there are a number of ways they can be useful, as long as they are used responsibly.  Credit cards extend credit to those who have a good …

In this information-rich society our lives are becoming more data orientated. Our personal banking information is used on an almost daily basis in all transactions. The following tips are designed to offer you the most …

Let me preface my answer by pointing out two alternatives. The first is suffering with the burdens of too much consumer debt, harassing phone calls, nearly daily collection letters, and the fear that you can’t …

Life Insurance – How Much and What Kind Life insurance is not about leaving the kids and grandkids 75% of the free world.What you want to find out is how much, and what kind of …

The validity of technical analysis is still an unresolved issue with adherents and opponents on both sides. I may normally be expected to believe in the efficiency hypothesis given the fact that I am a …

For South African real estate investors considering property overseas or foreign investors considering property here in South Africa, property management is essential to ensure smooth operations without any potential hitches or problems. As the global …

If you just lost your good paying job, and now have to make it on half that amount or less in unemployment insurance and have lots of debt, a mortgage, car loan, credit cards, student …

According to recent data the best financial planning firms in the U.S. are Fisher Investments, Smith Barney, Fidelity, Credit Suisse First Boston, J.P. Morgan@ Co., E* TRADE, A.G. Edwards, WR Hambrecht, ING, Friedman, Billings, Ramsey …

Optional supplementary benefits add tremendous value to life policies. The most common additional benefit offered with those is the Accidental Death and Dismemberment (AD&D) rider. This rider embodies two factions: 1) Accidental Death 2) Dismemberment …

Homeowners facing foreclosure, short sale and mortgage restructuring greatly benefit from tax debt relief. Anyone that experienced a home foreclosure prior to 2007 also got the double whammy of a year-end tax bill from the …

When reviewing your budget and trying to cut expenses a bill that could be painlessly eliminated is your AAA membership. For decades AAA insurance was almost a necessity for anyone who did much driving, particularly …

Are you about to take a job that pays by check? Are you just curious about how one is cashed? If you answered either question affirmatively, you need to learn how the process is carried …

Somehow, being forced to rethink our lifestyle grates on us.  In the American Dream, we are constantly striving to move onward and upward financially, and when faced with downsizing from that goal, we feel as …

The first thing that society should do to treat criminals is to place a permanent and merciless prohibition on the private prison industry’s ability to influence any laws that affect their profitability. That includes sentencing …

Health insurance is complex enough to understand, let alone learning about a benefit that you’ve probably never purchased, short term medical insurance. This type of medical insurance is a temporary benefit solution until you find …

In the first decade of the 21st century, it is inconceivable that access to quality healthcare is unavailable to more than 42 million citizens of this nation. There are many complex reasons for this with …

Have you ever had one of those dreams where you found lots and lots of money, either dollar bills or gold coins? So much you could roll and play in it? So much money that …

A lot of people who consider themselves financially sophisticated have been engaging in a rather peculiar practice which has enabled them to get in essence free money by making use of 0% APR credit cards …

Single parents looking to return to education are receiving much more encouragement these days as it gives them the chance to improve their opportunities. Financial restraints are often the key factor which prevents them. Grants, …

Make some changes to the way things are done. This may be the only way to have money left over at the end of the month. If the budget clearly shows you are spending more …

It is quite sad that many large multinational companies employ accounting tricks and gimmicks (also called shenanigans accounting) in order for their financial statements to become more attractive to venture capitalists and investors.    While …

Home Equity Conversion (HECM) or reverse mortgage is a Federal Housing Administration (FHA) insured program for house rich, and cash poor older homeowners. In 1987, reverse mortgages became available, by US Housing and Urban Development …