With the economy at the worst we have seen it in a long time there are many people resorting to assistance programs that have never had to use them before. It is helpful and reassuring …

Do you think that good credit is not an important asset? I have a friend that thought that very thing. Suddenly, not to long ago, reality slapped him in the face. His credit score was …

Bad credit cards for people with bad credit proliferate, strongly marketed by sub prime lenders to those desperate to obtain a credit card at any cost. In February 2010 I documented a credit card issued …

Living in the United States, driving is essential to many aspect of life such as driving to the grocery stores and driving to work. As automobile transportation becoming more of a necessity for the economic …

The idea of not having auto insurance in this day and age is simply preposterous. Not only is it dangerous, but it is highly illegal in many states. There are certain states that allow individuals …

Credit scores are an interesting result of the expansion of the free market and the growth of technology in the last decade. You now have a number associated with you and that number determines whether …

In wealthy countries credit is primarily utilized to purchase items of want. In many instances where credit is denied it is because the applicants have already abused a lenders trust by defaulting on payments and …

Behind every action is an individual with certain motivations, so it stands to reason that criminals leave psychological clues behind at their crime scenes (Discovery Channel, 2007). This would lead investigators to turn to profiling, …

Medicare and Medicaid are two government programs that have some similarities, but are distinctly different and were created to serve different groups of people. Medicare is a federal government program. It was created to give …

Preparing school lunches for children can be stressful. As a parent, you probably would love to send a healthy lunch, but you also may have to follow a strict budget. While it may seem cheaper …

Food forms a huge part of any family budget. One of life’s essentials, there is no getting away from the fact that food is one of the biggest expenses with which you will have to …

Filing for bankruptcy can become a necessary step when you are in debt over your head.  It may be because of divorce, job loss, wage cuts or even just the irresponsible use of credit.  Bankruptcy …

Frugality ~ noun ~ the quality of being frugal, or prudent in saving; the lack of wastefulness: No longer just a word but a fad. A fad to be stood by and to be kept around …

Choosing a money market fund over a savings fund in reality is all about what you are looking to accomplish in your investing. While the large majority of people have savings accounts where they place …

Almost every night, often at multiple times, there will be a television ad for a life insurance product that requires no physical exams. Some life policies have a provision in which if you survive a …

Every day people make decisions to change something important in their lives. They decide to lose weight, quit smoking, spend more time with their families or one of the many other things that we all …

There is a growing debate as to whether or not insurance companies should offer a discount for physically fit patients. More and more companies have been stepping up their employee fitness programs to help overweight …

Going to the mall is now part of American culture. This is because of the convenience and variety the malls offer. You can do basically anything from shopping for groceries to working out in a …

Your goal as a potential home owner, is to find a mortgage program where the mortgage payment will fit your budget. Since the early 2000’s to 2004 time period, mortgage underwriters guidelines have considerably tighten. This …

Whether you just got a major rate increase from your health insurance company or you changed jobs and can’t afford the ridiculous rates that your company is charging you under COBRA; replacing your health coverage …

For many classic car enthusiasts, the restoration process of their automobile is viewed as the final step in moving from under the covers in the garage and into the flow of traffic. However, an important …

There are several simple steps you can take to reduce your auto insurance premium and save money every year. 1. Raise your deductibles. Many people have $100 or $250 deductibles on their auto insurance policies. …

The Covered Call Here is a way to generate steady income that significantly enhances your returns. This article is written for educational purposes.  Let’s go over the concept of covered calls, touted as one of …

Being in debt is one of the worst situations and struggling to get out of debt can seem like a really hard slog.  However, there are a number of ideas which you can use to …

Soaring management charges by timeshare companies have caused problems for a number of owners of timeshares or vacation club points.  There may be some difficulties associated with selling timeshares which can be identified from the …

When it comes to choosing a mortgage it pays to be informed about your options and which type of mortgage works best for you and your finances. Recently the Federal Reserve called for a change …

For personal financial management: First of all, let’s go over the basic of financial management. During our lifetime, some of us will once or twice incur debts due to extenuating circumstances. Yet, prior to getting …

the costs of health insurance are nothing to sneeze at. No one understands, why they have to be so high. All they do, is put a huge dent in the budget and keep on rising. …

Did you know that today, one can buy a credit card reader that’s about the size of a matchbook and can read the card’s built in microchip, containing all your card’s information? Did you know …

Foreclosures are all too common place, leaving often desperate homeowners to face a long battle to rebuild their credit scores. Foreclosures can severely damage credit scores, yet there are many variables surrounding their long term …