How to Cope with being Flat Broke

How to Cope with being Flat Broke

A lot of people live in financial denial. They spend far more money than they make, and they use debt to finance their luxurious lifestyles. They casually borrow money without thinking about the long term …
Debt Credit Cards

Debt Credit Cards

Everyone wants to go on that special vacation, even though they can’t afford it. Or, buy that new television with HD Blu-Ray player and PS3They can’t afford it out of pocket, but hey, that’s what credit …
Dangerous Areas in your Home

Dangerous Areas in your Home

A person can never expect to make it through life without ever being injured, but there are certainly precautions we can all take to make our homes a little safer. Here five likely hazard areas …
Insurance Fraud Wisconsin Fraud Statute

Insurance Fraud Wisconsin Fraud Statute

In a very real way, everyone who pays premiums on an automobile insurance premium IS a victim of insurance fraud.  An extreme view, granted, but the insurers must compensate for losses to fraud, as well …
How to Teach Kids to be Smart Savers

How to Teach Kids to be Smart Savers

Kids need to know what money is worth.  An important element of teaching kids how to save is to grab their attention by being creative.  An allowance along with few lessons of money management helps …
How to Manage on a Low Income

How to Manage on a Low Income

It’s not easy to make it in this world without a lot of money. Unfortunately, a rising cost of living makes for an increasingly difficult world financially. My wife and I have suffered a loss …
How much Debt is too much

How much Debt is too much

In short, it could be described as depending upon how much income you have.  In fact that is how debt is measured. When a loan officer at the bank or the underwriter of a mortgage …
How the Stock Exchange Functions

How the Stock Exchange Functions

A country’s stock market plays a very pivotal and important role in its economy. A stock market, also known as an equity market, is a public entity established for the purpose of facilitating the business …
How to get out of Debt

How to get out of Debt

Many Americans find themselves caught in a failing economy with mass layoffs and disappearing markets. Reduced incomes have wiped out personal equity balances in savings, real estate holdings, and portfolios. Individuals have been left with …
What is Drm Digital Rights Management

What is Drm Digital Rights Management

Digital Rights Management (DRM) is a collection of techniques used by entertainment and software companies with the objective to combat piracy and theft of intellectual property. These techniques include dictating how products can be copied, …
Medigap Policy Benefit Claims

Medigap Policy Benefit Claims

Medicare supplement coverage has often been confusing to the elderly and their caregivers. Should one choose to join an HMO or PPO? Should one purchase one of the 10 standardized policies? Once the final decision …
How to Save Money when Travelling

How to Save Money when Travelling

The best way to save money when travelling is to think be wise and budget then one can get thing s right. I think this is particularly important if one is travelling as a family. …
Managing Student Loans

Managing Student Loans

Military Spouse Career Advancement Accounts Program Information.  As part of the The American Recovery and Reinvestment Act of 2009, also called the “Stimulus Bill”, the Department of Defense was funded and authorized to create the …
Is Salvia Divinorum Similar to Marijuana

Is Salvia Divinorum Similar to Marijuana

Salvia Divinorum becoming the next marijuana is about as absurd as crack cocaine becoming the next cigarette. An experienced Salvia Divinorum user knows that this is a ridiculous proposition, but to the uninformed parents of …
Vat on Health Care

Vat on Health Care

Fees paid for the health care services of certain health professionals are exempt from UK value added tax (VAT). This includes the health care services of doctors, nurses, dentists, osteopaths, chiropractors and other people with …
How Man Credit Cards do you need

How Man Credit Cards do you need

If you need a determination of the number of credit cards you need, then you should have your answer already as to how many credit cards is, well too many. There are three types of …
Tips for first Time Life Insurance Buyers

Tips for first Time Life Insurance Buyers

Life insurance plays an integral part in an individual’s financial plan. The first time consumer has several important factors to consider before purchase of a policy. As with any financial tool, a needs-based analysis will …
Cash Advanceloanscredit Advice

Cash Advanceloanscredit Advice

What is a cash advance payday loan? We’ve all seen these places advertise on TV most of their ads say they will lend you cash to get you by until payday and yes they do. …
How to Plan for Early Retirement

How to Plan for Early Retirement

Early retirement requires a lot more than just having a good job and a good salary. It entails skillful planning, efficient execution, probably some deep knowledge, and good resources and channels about investing. Many people …
Child Abuse Communities need to take Action

Child Abuse Communities need to take Action

Child sexual abuse is an abuse of power, where older, stronger, and more knowledgeable persons take advantage of children for their own gratification. Perpetrators are focused on themselves and are unconcerned about the welfare of …
Constitutional Contract Law

Constitutional Contract Law

An important point to be made in regard to the system of Common Law, is that rulings are based upon the application of case precedence established not only by judges, but by juries of ones …
Bonds Basics

Bonds Basics

Bonds are one of the investment vehicles used by investors.  Simply put, bonds are loans made by investors to the government or a corporation.  These ‘loans’ have different maturities and government/corporation should pay investor back …
How to Calculate Daily Disposable Income

How to Calculate Daily Disposable Income

In the current climate when many countries around the world are making cutbacks, disposable income is at its lowest level in many years. Tax rises and inflation are the key factors in ensuring that people …
How to Roll over your 401k

How to Roll over your 401k

Rolling over your 401(k) plan is simple – but don’t let the simplicity fool you. It is absolutely essential that you follow the simple rules, or you will be hit with an unexpected tax bill …
How to use a Cash Advance Payday Loan

How to use a Cash Advance Payday Loan

The first and most important advice about payday borrowing: don’t do it. It’s like taking out an adjustable-rate mortgage where the rate goes sky-high… except not in five years, but tomorrow. Having made that point, …
Merrick Bank Visa Credit Card

Merrick Bank Visa Credit Card

Merrick bank is a specialist in offering sub prime credit to those with blemished credit histories, with products which can help to build or rebuild credit scores, and does report to all three main credit …
Buying Real Estate with a Turbo Charged Ira

Buying Real Estate with a Turbo Charged Ira

I’m about to share some information that very few Americans are aware of. It’s not that it’s a secret, but because it’s a little complicated, it’s not talked about or promoted widely. Today I’m going …
Debit vs Credit Cards

Debit vs Credit Cards

The big question, which is better debit or credit? Well, it comes down the individual. Having a debit card and having a credit card both require discipline. Here are some advantages and disadvantages of each. …