Save for a rainy day and it will surely rain. An emergency fund will see you through till brighter days come. How often you use it depends on how accident-prone you are and how long …

If you had a dollar, what would you do with it? There are many things you can do with a dollar, even if you don’t think it is worth what it used to be. True, …

Understanding stock dilution Most companies are divided into shares – portions of the company with equal value. The company may be made up of 10 shares or 10 million. This is to spread ownership of …

In recent years, the interest rates of savings accounts have plummeted. Because of this, many people do not see the value of having a savings account as the rates are not as high as they …

Car insurance rates for teens are quite high these days, more than I would care to pay. Now put that teen in a major city, and BOOM! Rates are doubled and in some extreme cases …

Most banks such as Citibank, Chase, and Wells Fargo give new checking account customers the opportunity to use a debit card that could, well, “give something back.”  That “something” may be points or even …

SPENDING, INVESTING, AND GIVING SIMULTANEOUSLY Learning about the concept of money should simultaneously include lessons on investing. Children understand more than we give them credit for. Teach them early and often, because they won’t learn …

You can own just about anything without insurance, but that does not mean it is a good idea to do so, or that you can go without insurance in all cases. You may be required …

When I was at Heidelberg college I took economics. My professor at the time seemed like he was one hundred years old, but for an eighteen year old, anyone over thirty seemed ancient, so I …

Improving your credit score can be easy. A good credit score is above 700. Having a good credit score is important for several reasons: lower interest rates, getting a loan, and lower insurance premiums. Pull …

Of all the things going through your mind when undergoing a divorce, the tax law is probably not high in the list. But once the dust settles, it is important to take a few moments …

A woman who obviously works as a restaurant waitress recently wrote a letter to the editor of my local newspaper. In it, she complained about the fact that she and other servers are often stiffed …

As a renter you’ve made the right decision purchasing “Renters Insurance”, now you need to know how to make your insurance work for you. Like a homeowners insurance policy, you can fit your renter’s insurance …

The word “budget” is as exciting as the word “diet,” but being on one does not mean you have to go without delectable things.You have to set a budget to know what you are spending …

Gold bullion is a popular investment. The metal is clearly recognisable and is universally recognised as a store of value. Throughout history gold has been seen as a hedge against economic, political and financial crisis. …

Many people think “going green” or living environmentally friendly is expensive, but there are many ways that it can be cost friendly.  Most newer appliances, such as refrigerator, dishwasher, clothes washer and air conditioner are …

If I could advise everyone who was investing, I would recommend Real Estate as part of the investment. It’s probably the only investment on which you will win. Just empty land is likely to be …

With the economy being worse than ever before, and so many people losing their jobs , learning how to manage your finances better is essential, not only because it will help towards saving money, but also …

Buying a home is likely to be the most expensive purchase you will ever make. One of the most important decisions to consider while buying a house is what type of home insurance coverage you …

A change we can believe in. Most American manufacturers hope so. President-Elect Barak Obama is inheriting an economic situation that has not been this grave since the ages of the Great Depression. What companies could …

When shopping for auto insurance, there are several factors to consider. While you may not be able to change potentially negative aspects of your situation such as age, driving history, or teenage drivers in your …

Retirement planning is possibly the most difficult part of financial planning because it is extremely difficult to predict the exact years of employment, the exact amount of money that you will accumulate during the years …

When you work at home, it’s easy not to think about the expenses that you incur by doing so.  Sure, you may think about things like paper, printer ink and other office supplies, but there …

Are you a freelance writer? If so, you probably know what it’s like to be cash-strapped. You’re probably looking for any way that you possibly can to save money. The freelancer means that an income …

Since a house is generally considered a person’s biggest asset it would stand to reason that homeowners pay close attention to their insurance policy covering the home. Unfortunately with so many options, policies and exemptions …

The beginning of this decade brought speculation of what was to come, tomorrow or next year. We had found the values of homes going upward, in some areas doubling or tripling, if one was lucky …

Consumers with bad credit can be severely hampered from obtaining unsecured credit cards with more than a low credit limit. Those with a bad credit history and a resultant low credit score are excluded from …

In order to plan a mini financial budget, one must know what they are already spending money on. It’s best to sit down and write out what you would normally do and buy within a …

Investment is simply the act of  placing money into a vehicle with the expectation of making more money. However, investing is a science. There is some homework to be done and investing is not merely …

When most of us think about selling shares of stock, we think about making a profit. Sure there are broker commissions and taxes, but most investors still sell to make money. In recent years a …