There are two differences between renter’s and condo owner’s insurance. The first difference is in what is covered by the insurance policy. The second is whether the building tenant policy requires insurance. It is often …

Medicaid and Long-Term Care Medicaid is a joint federal and state program that provides medical assistance to eligible needy persons. The Social Security Act authorizes grants to states for Medicaid to certain individuals whose income …

Along with oodles of good cheer the holiday season always brings with it a feverish pull to spend. Everywhere there are advertisements showcasing the newest gadgets and the trendiest in home décor. It can take …

When you’re broke and struggling just to pay the bills having someone around you upset because they don’t have the money to shop or show off is really upsetting. There is something that can be …

Determining how to stop wasting money and build your savings is one thing but very often, sticking to the plan of action which you so determine can be quite another. The vast majority of people …

It is not difficult at all to go into your Christmas shopping with the best of intentions, only to realize at the day’s end that though you meant to do a good thing, you have …

A 40-year mortgage is primarily designed to afford mortgagees lower monthly payments by stretching the amortization period significantly. While it is deemed a high-risk move by many financial analysts and advisors, it can be a …

VantageScore is a new method of calculating a credit rating from an individual’s credit report, which was announced by the three major credit bureaus – Experian, Equifax, and Transunion – in 2006. It uses a …

When tax time is due and you have no money to pay them, you must borrow money to pay them. There is no way you can send a note to the tax collectors saying: sorry, …

For many, insurance policies are a rather empty investment. You pay a policy rate every month in case you’re involved with an accident. A lot of “If’s” surround the question of insurance and many individuals …

I do think that the government should bail out student loan interest rate and fee payments for assuming the student loan at minimum. I think the new interest rate reduction laws on Stafford loans are a start but …

The reason for having bad credit in the first place is important to address. If you have bad credit because one breadwinner has lost a job or you have large medical bills or other unexpected …

Grocers today are stocking more and more organic produce. Some markets are specializing in organic produce and others have at least a section of organic produce available for customers. So how does one find the …

Are you looking for a way to save your money without spending it again later? When you open a savings account, you are putting money in the bank in an attempt to save it for …

Other than the insured, there are other parties involved in a life insurance contract. The concept of a policy payer and a policy owner are central to the policy contract. One person can perform all …

Our emotional health in a lot of ways is tied to our financial health. When we get emotional we tend to do things that we wouldn’t otherwise do, and sometimes we regret them in the …

Credit repair and consumer credit counseling are different forms of financial assistance that help those who face large debt or out of control credit. In the case of credit repair, the goal is to rebuild …

Financial freedom is a state of bliss that everyone would like to experience, instead many are in debt and only thinking about how nice it would be, to be financially free. Those in debt are …

Having your credit card, stolen can be one of the most annoying experiences of your life. It creates a lot of additional stress and work that you don’t need in your life anyway. Phoning up …

A balance transfer is a great way to save on interest costs if you’re trying to pay down your credit cards. It gives you more time to pay off the credit card as well as …

THE VIX, also commonly called ‘the fear Index’, measures the implied volatility of the equities market over the next 30 days. It is administered by the Chicago Board Options Exchange (CBOE) and is based on …

Close off the rooms that are seldom used is the best way to lower your heating bill. Why do you need to heat space no one uses? Seal up all outlets where heat escapes to …

For investors and traders who want to go beyond dollar cost averaging and dropping lump sums of money into mutual funds and index funds, a basic understanding of stock chart analysis is the first step …

When times are financially tough it makes sense to try to reduce your spending costs and save money where you can, although this is sometimes easier said than done. However, if you have less money …

When you open a current account, with either a bank or another financial institution, you will be offered a range of ways in which to withdraw you cash or purchase items while shopping.  The very name …

When you begin to consider placing your home for sale, there are going to many things that you must consider with honesty and clarity. One of the most important things for most people will be …

Credit cards have managed to become a natural part of living in the twenty-first century. It seems that the average person can’t survive without holding on to at least one credit card. What would become …

It is a disgrace that the United States of America is the world’s only industrialized power that doesn’t provide universal coverage to its citizens.It’s bad enough there are already millions who don’t have health insurance …

The economic crisis in America has touched virtually everone’s life. In 2004 my wife and I decided to start a business that was a dealership for a company that helped manufacturers and other users of …

In getting your finances straight, you may need a person who has more knowledge and experience than you do. That is why hiring a finance professional or advisor is very important. These people have spent …