This is a very complex and in simple terms no the “American Dream” is still alive. However, the United States and Europe are undergoing deep and lasting changes. The world is a different place with …

Property Insurance is so very important in running a business or owning a home. While property insurance is not required by law it may be required by loan or lease agreements. If you don’t have …

Credit cards can be a great tool when used with responsibility.  However, when you become reliant upon credit cards to pay your monthly bills, you may find yourself in a financial hole that is difficult, …

Home equity loans represent one of the ways to utilize the unrealized market value of one of your best assets – your home. Equity, in this context, is the difference between what you owe on …

No one can afford to have bad credit these days as it impacts on too many areas of life. Bad credit comes down to having a low Fico credit score, as this is the generally …

Frugalism is also known as thriftiness. Many frugal people are considered by others as being cheap. One difference between being frugal and cheap is that frugal people try to get the most for their money, …

Debt has become an increasingly ugly word for many people in recent years, particularly in the wake of the financial collapses of late 2008 and early 2009. While it is good that people are more …

A focus on different ways siblings might divide an inheritance. The death of a parent ranks among the top 20 of life’s major stressors; add this to the estimate that 91.9% of the population may …

Can you read your homeowners’ policy without falling asleep? Do you know what it says? You need all the help you can get staying informed about what is in your policy, and how it applies …

Each year, millions of dollars are funneled into home buying marketing campaigns. No doubt, you have heard that buying a home is more fiscally rewarding than renting will ever be. However, that might not always …

If the words “balance your checkbook” make you cringe or you’re never quite sure how much cash you have in your account because you’ve been putting off the inevitable, the few minutes you spend putting …

ATM skimmers work by collecting enough debit or credit card information for scammers to create a new credit or debit card and use it. Several components go into a traditional ATM skimmer. First is a …

     One of the most efficient ways to cut back on your grocery budget is couponing. If you put some time into it you can be couponing like a pro in no time. Now one …

In the current economy, with salary freezes and cuts and, worse so many people entirely without a job, it is necessary to rethink finances. In the boom times, many people were using credit cards as …

Yes, government should pay all medical cost. The government already pays the medical care for people who are on medicare, and in order for a person to be eligible for medicare they have to have …

Taxes on short-term disability benefits are determined by the method of coverage and the reporting of coverage as per the U.S. IRS Revenue Rule 2004-55.(1)  For example, for employer provided disability insurance coverage, the cost …

Twenty years ago the lack of technology made counterfeiting money a criminal enterprise that did not waste time counterfeiting denominations below a twenty dollar bill. With today’s technology in the hands of everyone, even one …

Living on less is no longer an option. Rising costs for property taxes, gasoline, and food coupled with either being unemployed or “waiting for the ax to fall” may already be your reality. It is …

Finding the best health insurance available is a tedious task. Most employers offer health benefits for their employees, however the truth is that it’s becoming more difficult for the employers to keep up with the …

Why I like Interest Only Mortgages You may have heard pundits on financial shows or in the paper or magazines warning against those horrible, ruin your finances, force you into foreclosure, interest only mortgages! Well, …

How to tell if you have the right amount of auto insurance Thousands of drivers are on the road, commercials caution us against road rage, and hundreds of auto insurance companies are vying to get …

The benefits of saving money are numerous beyond belief, as a great many have found in the wake of economic crisis and Credit Crunch. Although many people believe that they have a safe job and …

Because having good credit is so important these days, many individuals are wondering how to get credit for the first time. Getting credit for the first time can be difficult, depending on the actions that …

If you are have ever thought about investing but you have put it off for another time, chances are you felt that you didn’t have enough money to get in the game, or you figured …

The American dream is to own you own “Home Sweet Home.” Sometimes the American dream can turn into a nightmare when homeowners face financial difficulties that make it impossible for them to stay current on …

In some cases investing leads to greater riches if wise decisions are made. Women, like men, can be shrewd investors. If you are female and would like to invest $100 to grow your riches, here …

A lender is the kind of person who may or may not get you what you want, by way of finances, with regards to a home. To receive the best offer that involves a legal …

This has been the worst financial crisis since the Great Depression, with $4 trillion in home equity wiped out and millions of Americans losing their homes to foreclosure. But the market has stabilized except for …

Insurance companies follow a variety of regulations from each state is which they write business. States generally regulate insurance rates, monitor complaints, and is are patchwork of regulations that may need federal charter for national …

The price of going to college, even to a community college, has increased to the point that many collegiates are unable to complete their educations without getting student loans to assist them. There are many …