In a world of materialistic wants and the impulse to have whatever we want when we want it, we are beginning to loose sight of what is really important in life. Of course when you …

HMO or PPO: what is the difference? Actually there are several differences; depending on where you live and what health benefits you want you will need to determine which is best for you. HMO: this …

“Sign your cards as soon as you receive them,” credit card providers urge consumers. Technically, most brick-and-mortar retailers are not allowed to accept unsigned credit cards. They may actually insist customers sign their unsigned cards …

A subprime mortgage is a mortgage which is granted by a subprime lending institution to those who do not meet the qualifications to be approved for a conventional bank mortgage. The banks do not grant …

When you’ve just graduated from college, you probably have two goals in mind: one is to relax for a while and recover from the pressure of exams and the other is to find a job …

While children are at their highest learning capabilities during the first 10 years of their life, it is imperative that they are taught and molded into proper members of society. Its important that during that …

Debt is often accumulated throughout the holiday season.  Many people do not prepare for expenses that will be incurred around the holiday time, so they deal with the debt issue.  However, this does not have …

Typically, with a home equity loan you can utilize the funds for just about anything – a new car, a crazy weekend in Vegas, or more intelligent things such as home improvements or paying off …

If you’ve been looking for any sort of savings account, you know that there are dozens if not hundreds of different banks that would love to take your money and give you quite a decent …

Everyone goes through different trials and tribulations in a lifetime. There are some people who have to file bankruptcy because they have no other choice. If you are going to file bankruptcy, here are some …

It is a rare individual who can obtain a prohibitively expensive college education without taking out a loan of some kind, even if subsidized with scholarships or family help. Luckily there are Federal aid loans …

With the rapid increase of banking technology, many people find it unnecessary to keep track of their checking account the old fashioned way, with a ledger. Between free phone banking, online banking, twenty four hour …

Buying life insurance for the first time is easy. Here are four simple steps to buy a life insurance policy. 1. Determine who will be the beneficiary of the life insurance policy. You need a …

Life’s challenges are at the heart of a lot of bankruptcies. People don’t mean to not pay their bills, but sometimes a very real problem arises, where the normally responsible person finds themselves no longer …

In these hard times many of us are looking for ways to keep down our quarterly and monthly bills. One may think they have done all they can to bring down household expenses, but there …

Corporate stock dilution is a result that occurs when new shares of company stock are issued. More specifically, when new corporate shares are issued the price of total shares decline to equal the total value …

Most of us dread paying our auto insurance premium each month. We know that it is an important policy, but don’t understand why our rates seem to go up, and up, and up. Here are …

Disadvantages of reverse mortgages exist in addition to the advantages, however the disadvantages aren’t always consistently applicable to all mortgagees. Since reverse mortgages are crafty yet worldly-wise financial instruments that may or may not be …

Personally I feel that this county needs Student Loan Reform every bit as much as it needs Health Care Reform.  Talk about an abuse of the system!  First of all, there are Student Loans available …

Saving Money or Medicaid/Medicare At this point, thank heaven, my income is high enough that I do not qualify for Medicaid. My mother did and it simply “took over” and paid everything that Medicare and …

In a time when more miracle drugs are available to people, the price of medication has soared beyond the financial reach of those who need them most. When the public outcry reached new levels in …

Every now and then people fall in the debt trap, sometimes blindly and sometimes with both their eyes wide open. The thing to do to get out of bad debt situation is obviously to improve …

Who couldn’t use a little more cash quickly? You simply can’t get big cash quickly, at least not most of the time, but you can raise some chump change in a hurry with the right …

Warehouse store memberships have become quite popular.  At first glance, the idea of shopping at a warehouse club may seem to be a good idea, and in many cases, it is.  Bargain prices on everything …

Having bad credit does not mean that auto loans are unavailable. The auto industry wants and needs all of the business that it can get, and will help find ways to help you finance a …

A double dip housing market is when key market statistics such as home prices and sales decline for a second time after an initial decline followed by a rise. If plotted on a graph, housing …

At some point in their lives, a large number of people will have incurred bank costs.  The major reason why people get bank costs is because they have surpassed their spending limit on their bank …

Each year millions of people waste money paying high interest rates on credit card balances. Balance transfer cards offer a low cost way of servicing credit card debt, but they have drawbacks which can make …

Many people mistakenly think that renters insurance and condo owners insurance are one in the same, however the differences between them are important to understand to ensure a proper fit in an individual’s living situation. …

When you have bad credit then unless it is due to erroneous information on your credit reports, there is little you can do repair it quickly. Your credit reports are an accurate reflection of the …