The common principal involved in stock-trading is “demand and supply”. The value of a company share increases when there is a demand for it in the market. Let us take an example of two companies, …

I have had a Wells Fargo Checking account for about eight years, and I must say that overall, I have had a positive experience. That is not to say that I have never had a …

Being able to make ends meet has been a feat the past few years. Many people have had to accept lower wages in order to find work. How then, can anyone survive on a reduced income? *Plan Planning …

Being a single mother is tough enough without having to worry about the financial aspects of raising children alone. Even if there is child support involved, it may come in very inconsistently, and at times, …

What to do when your mortgage is in default If you are overwhelmed because your mortgage is heading for the default cliff, know that you have options. Different homeowners face foreclosure for different reasons: unemployment, …

What is renters insurance? Renters insurance is coverage for personal possessions and liability coverage. Renters insurance is divided into two parts, these are general coverage and liability coverage. The general coverage provides coverage for items …

The most important thing to look for in health insurance is to be sure the policy you’re considering covers all the big expenses. You simply can’t afford to be blindsided by a huge medical bill …

If you obtain your health insurance through your employer; you usually don’t have a lot of choices to make or worry about. You have to either take it or leave it. However, if you are …

Whether everyone will admit it or not, the new year brings with it a new awakening. Once again they have overspent during the past holiday season and they vow that this year things will be …

The single most important thing to know about refinancing your house is this: How long is my payback period? The payback period is the time it takes you to recoup the closing costs you must …

There a lot of scams going around that come under the heading of “Phishing” or other names. I have seen quite a few of them myself. Most of these are email scams. You will receive …

Renter’s insurance is necessary for anyone renting a home, whether it is an apartment or a house. Some people fear the cost of an insurance policy will be unmanageable. However, there are factors which will …

Clearing the confusion of High Deductible Health Plans Scratching your head wondering what’s all the excitement about? Are you thinking, “a HIGH DEDUCTIBLE doesn’t sound good to me”. Let me explain in plain English, why …

Ask an average American about his or her opinion on the value of health care he or she is having and the answer will be undescerning! Typical Americans are so disconnected from the actual cost …

Determining which vehicles are the best investment can involve combining reliability with gas mileage, resale value, model type, depreciation rates and insurability features. Not only can such cars last longer for less cost, but they …

Documenting one’s possessions is important especially when determining the value for insurance purposes. Documenting possessions should be done for a number of reasons. These include having a total of all the items a person has …

While owning your own home can be a lot better than renting an apartment, there are significant costs associated with a mortgage. Closing fees, exorbitant interest rates and an extended repayment period are some of …

The Obama Administration’s current effort to assist people with housing, the Making Home Affordable Program. This provides opportunities to modify and refinance mortgages to make them more affordable. Counseling is available for homeowners wanting to …

Student Debt Consolidation Have you taken out student loans? If you have, then maybe you would like to opt for student debt consolidation. This is basically the kind of arrangement where all your student loans …

Setting up a personal finance worksheet does not take a degree in accountancy to produce. It is very simple to achieve, and by following the guidelines below, you will be up and running in next …

5 MUST DO THINGS TO IMPROVE YOUR CREDIT SCORE: 1. Obtain copy of your report. Clean up your credit as much as possible. Invariably, there may be erroneous information listed, often times due to human …

When it comes to your income, diversification is certainly a good thing. This concept is not only applicable to stocks, but when it comes to where you get your income from. If you have only …

Bad credit may be the result of a wrong turn, but it doesn’t have to be a dead end. Just because a person has made unfortunate financial decisions in the past doesn’t mean the end …

An adjustable rate mortgage is a mortgage with an adjustable interest rate. This means that the interest rate on your mortgage will change after a specific amount of time. What usually happens is that at …

Financial freedom is a term that is used when individuals are speaking about getting out of debt and staying out of debt. With many individuals living beyond their means, wages receding, and inflation rising, finding …

The time and energy you will spend finding, clipping and using coupons is well worth it. While some may say they do not have the time to find and clip these coupons, it really isn’t …

With everyday expenses continuing to rise, it’s not hard to see why so many people struggle to spend within their means. Spending more than the amount earned each month on a regular basis can be …

We are talking about friends and relatives here. Lets us not become bankers in our spare time. Lest we find ourselves friendless and without family with our down luck. The control here is simple; you …

Choosing between life insurance and annuities can be a complicated task as there are many options of both life insurance and annuities available. Both options can be as stripped down to basics or customized with …

There are wide varieties of reasons why people need to use the government food stamps program. Usually they have to do with the constant increase in the cost of living for the average citizen. Our …