Financial planning is a broad term used to cover the concepts of earning, saving and investing money. At it’s most basic, financial planning calls for making a goal and creating steps to meet it. FIRST …

Identity theft is becoming more and more prevalent. As more people use credit cards to shop, the chances of having one’s identity stolen increase. Identity theft is a crime in which someone takes your personal …

Privacy or security?  Which is more valuable?  Credit card holders have differing viewpoints. If retailers ask customers to show proof of identity when presented with a credit card for payment, it’s more difficult for a …

Personal bankruptcy can affect one’s life in a variety of ways. It can have both negative and positive effects. All of these factors should be anticipated when one is considering this decision. Of course, there …

There are those who say that the true value of your home is what someone is prepared to pay for it. While this is true in an ideal world, the housing market is more complex …

Deciding on your investment strategy can sometimes be a difficult process, with a load of different investment options available to you. The problem is that sometimes, especially for the new investor it can be overwhelming …

A better title for this article might be “How to live without credit card DEBT,” because it is difficult, if not impossible, nowadays to function in our economy without having at least one credit card …

With medical expenses in America equivalent to 15.3 % verses 11.6% in Switzerland, 9.9 % in Canada, and 8.3% in the United Kingdom (figures are from OECD Health Data, 2006), it is clear the Americans …

Whether you own a condominium or rent an apartment, living in a multi-tenancy building brings with it new and unique insurance requirements. Insurance is there for when bad things happen, and when bad things happen …

Ouch! Ouch! Ouch! My daughter got caught on one of these “no credit no problem” scams. Bankrupt and newly divorced, she had a car that barely crawled down the road. She needed something that ran …

The government is not the savior and cure for all our problems. When are people going to take responsibility for themselves? This includes helping those who are less fortunate. If we all helped our neighbor …

Any one who shops for car insurance should become familiar with the term collision insurance. It is understandable that  people worry about keeping  the premium down, and so are tempted to request the least coverage possible for the …

You may have heard before that having a driver’s license is an important fact when you are shopping for life insurance. Insurance companies treat driving merely as another way of exposing your life to risk. …

There is a disturbing trend going on today: consumer debt is growing much faster than many individuals’ personal assets. Historically, home equity lines of credit and/or home equity loans were developed for homeowners to repair, …

Life insurance plans come in many forms with varying pricing on each. Some Life insurance plans come in the form of whole life, term life and simplified issue. Depending on the type of life insurance …

Mortgage payments often represent a hefty proportion of monthly income, which may become an increasing burden on homeowners. Many experience the switch from a fixed rate to an adjustable rate as an initial offer expires, with …

Annual travel insurance: who should have it and why? The answer to the first question is fairly straight forward but the answer to the second holds many component parts. Travel insurance generally covers the policy …

Florida may be the Sunshine State, but California is where the real sunshine is. This golden state is where you can go swimming and surfing in the south, then hit the vineyards and skiing up …

The economic recession of 2008-2010 may be staging a slow recovery but one of the casualties of the recession has been the huge numbers of home foreclosures.   With an estimated 25 percent of homes that …

There is no hotter topic in the health insurance debate than that of prescription drug benefits. The issue is an ever-changing morass, both for those who are covered by employer plans, but can’t get certain …

Graduating from college will typically leave the majority of students with a massive pile of debt to contemplate which can appear to be a daunting task. It needs to be addressed head on and reduced …

The reasons why people lose their money are as varied and diverse as the individuals themselves. Yet, there are many common ways in which we can lose our precious wealth. This article aims to examine …

Home insurance serves many purposes, but its primary function is to protect your property from loss due to damage or theft. There are many ways insurance is used to protect an individual’s property. These include …

One of the reasons the health care industry in the United States is in such dire straits is because of the upside-down medical billing practices. About fifteen years ago, I had a hysterectomy. My hospital …

Online bill payment is a mode of bill payment in which you issue the payment instructions over the Internet by logging into the service provider’s website or an online payment service website. With increasing Internet …

The process of purchasing an insurance policy for a manufactured or mobile home is basically the same as buying a standard homeowner’s policy, with just a few exceptions. Every homeowner’s insurance policy should have coverage …

I sit behind the phone and talk to people all day about insurance. The links provided in these articles are all an excellent source of information. Before you compare one plan to another, list the …

Warehouse club stores have substantially grown in popularity.  Costco is one of the biggest and most profitable retail stores and even competes with giant Wal-Mart.  Warehouse club stores generally have low prices and offer a …

People often make jokes about frugal people. While the jokes may be funny, there is something to be said about being frugal. Frugal folks often have the means to take care of emergency issues like …

Many people think that a fast Christmas loan is the answer to having a fabulous Christmas, filled with lots of nice gifts. These loans are easily accessible to nearly anyone, and they are quick. The …