There are times in life when the money is not flowing and the bills are barely getting paid. These situations can arise from loss of a job or higher standards of living or unfortunate illness. …

These days, having a good credit rating is essential.  You need credit to make major purchases like a home or car, to qualify for utilities, and to even get a job.  The better your credit …

Homeowners often misunderstand exactly what their home insurance policy covers. To avoid nasty surprises after a loss, make sure you know what is and is not covered by your policy. Common home insurance myths include: …

Several college students rent a crash pad near campus. Stocked with hand-me-down furnishings, cheap dishes, laptops, and of course, textbooks, this free-from-the-parents living arrangement could be the best years yet for these students. Unfortunately, a …

Individuals applying for Social Security benefits may presume the only requirement is to file an application with the Social Security Administration (SSA), and SSA will take care of the rest. The reality is, filing for Social Security disability …

What to do if you can’t file your taxes on time? Non filing of tax returns attracts penalties by both federal and state authorities. If anybody failed to file return without a reasonable cause can …

The optimum way to astutely use credit cards is to view them as a convenient tool to bolster your credit rating, whilst offering an interest free grace period. This allows your money to be working for you elsewhere …

There are many risks in the stock market that can be evaluated and avoided. Certain things that need to be evaluated are statements filings from the company that are recorded and looked at by the …

Stock dilution refers to loss of common share value caused by an increase in the number of units of a company’s equity ownership. As more stock become available to shareholders and potential shareholders, each share …

Vacation, just the word alone conjures up images of relaxation, puffy white clouds with a blue background in the sky and thoughts of happiness. It is the next best thing to Christmas. Vacation spots can …

Too much month at the end of your money? Economically speaking times are hard these days for everybody no matter how much you bring home in your weekly paycheck. If you are like me, then …

An insurance coverage is an investment and protective measure intended to protect, mitigate and minimize the pain and suffering from accidental and unintended loss. The scope of insurance has over the years expanded to cover …

You rent your home and have chosen renters insurance to protect yourself from personal liability and your personal possessions from loss or damage. You want to understand your insurance and the components of your policy. …

Saving money can be difficult in this economy. During these times it seems hard to save with bills piling or struggling to keep your head above water. There ways you can save money if you …

Breckenridge is filling up fast. Friendly people, great shopping, and unbelievable skiing make it the place to be – but why should you think about purchasing a home there? Isn’t it a tourist area? Not …

PHILOSOPHY – one of the 3 important considerations. In this age of easy internet access, One of the more tempting opportunities for investing is by trading shares on the stock markets. In a previous article …

Long term-care pertains to the different services beyond medical care and nursing care used by people who have difficulties or chronic illnesses. Long-term care insurance assists you in paying for these advantages, which can cost …

Most people look forward to summer for fun, vacation, and a get-away from fall and winter for a while, but the summer months can be particularly challenging financially; The change in expenses from cool spring …

Whether you’re working for someone or yourself, retirement is something you can’t completely avoid; it’s necessary that you tackle its associated problems. And one of such problems is the low income that most retirees have …

As you scramble for receipts and W2’s and records of charitable donations each year, surely you’ve at least once blurted out in frustration, “Who was the son-of-a-gun who invented income taxes anyhow?” No one person …

Vacation places I’ve found, have the best vacation renatls as well. Las Vegas is well known as a vacation spot, but the undiscovered rental property is Campaige place, the Tom Hom group owns it and …

Many factors impact the final cost of homeowner’s insurance, and understanding how rates are calculated can help you get the coverage you need at a reasonable price. > Location < Your neighborhood may be the …

There are over 33 million cars traversing the roads of the UK. For these drivers, having car insurance is required under UK law to protect other road users. While it is a fact of life …

Are you looking to get your finances back on track? Was there a job loss, or simply some money that wasn’t managed as well as it could have? Whatever the reason, you are going to …

The best thing about 2008 is that it’s over, a tough year for markets and economies worldwide. Paying attention to the stock market, equities, and our portfolios was as much fun as watching a cancer …

When considering your credit score the majority of creditors look at your Fico score issued by the Fair Isaacs corporation. Once secrecy surrounded their scoring algorithm but now there is transparency in how the score …

Saving for retirement can be mentally exhausting. What type of plan is right for you? How about a 401k? It seems like a great option; however, it’s not for everybody. Explaining the 401k – The …

There are two basic ways to buy stock without a broker; (1) Directly from the company, through Direct Stock Purchase Program (DSPP) (2) Directly from a person who owns the stock Stock can also be sold similarly. …

After marriage, married couples can choose to file a joint income tax return. They can also choose to continue to file separately, even though they are married, by declaring that they are “married, filing separately.” …

Lets face it, these days having a good credit score is essential in order to obtain even decent interest rates on credit. The days of instant pre-approval, no credit checks, and bad/ no credit accepted …