Some younger drivers pay more for their insurance than they do for their car. Why does it cost so much? Risk and uncertainty for the insurance company are the two biggest reasons for the high …

In California as legislatures are wrapping up a frenetic term and looking forward to some rest and relaxation, they are still dealing with a number of controversial issues that could affect not only California but …

Stock market education is important for any aspiring stock trader. As you probably know, stock trading is a complex field made more intricate by terms and processes that are not simple enough for a layman …

Political endorsement of an industry, and how you can capitalize from political capital. Was there ever really any doubt once George W. Bush became the 45th President of the United States, that oil companies would …

In times of economic recession, making ends meet can be proven to be especially hard. In spite of your efforts, you may realize that financial hardships are too overwhelming and you cannot manage your finances …

An Individual Retirement Account (IRA) is a tax-friendly retirement savings plan. In a standard IRA, contributions are tax-deductible, but tax must be paid on all withdrawals. In a Roth IRA, designated Roth contributions are included …

The American economic crisis that started in 2007 had many contributing factors. For mortgages and credit cards, part of the responsibility falls on the consumers.  The lack of financial literacy contributed to consumers getting involved …

Health insurance companies can be a pain when you suddenly get an unpaid medical bill that you know should have been covered. Sometimes, medical offices bill the visit wrong or the medical reason code is …

Getting a referral to a specialist isn’t as hard as one may seem. Depending on the insurance company, it might be easier than expected. As a referral corrodinator for a pediatrics practice, I do about …

If you’re filing your taxes for the first time this year, a good place to start is to just relax. Millions of Americans, like you, go through this same cycle every year. Once you get …

There are a number of reasons to use a life insurance agent rather than looking for a company and provider on your own. The number one reason is that an agent will rarely be taken …

If you are employed by a company that has a 401K, you are bound by honor, common sense, and economic self-interest to place that money there. If not: shame on you. The first reason: Your …

Your clothing budget may be one of the higher categories on your budget, but there are ways to make your clothing budget go further. Buy basic items You can save money by buying simple and …

How to Protect Yourself from Uninsured Drivers An auto accident is something drivers know is a possibility each time they get behind the wheel. You might be the safest driver on the road but this …

So Fido went off and chewed on somebody huh? Well, If it is the first time it has happened, you are probably in luck. Did you know that the breed of dog only has a …

Let me outline a situation that happens all too often in the loan process; the customer has been pre-approved, the titlework is done, the appraisal has come in above the purchase price, everyone is just …

They are several reasons for an eyewitness’s memory to be affected.  One of the reasons is that images in our mind are not lucid enough when we try to bring back to our memory a specific …

Finding the best auto loan today is easy since the Internet puts the information right at our fingertips. Within a few minutes, you can get your credit report, the name and locations of special offerings …

Following conventional wisdom can cost you.  Conventional wisdom is a general or wide spread belief.  It is anything that is generally accepted.  But just because “everyone” accepts something does not mean that it is true. …

Getting a loan has never been easier. There are so many banks and credit companies offering to lend money, that when one bank refuses it’s easier to find another one that will give an approval. …

There is a whole industry of sub prime lenders ready to extend credit to those with bad credit. Pay day loan lenders have a bad reputation but often represent one of the best deals to …

It’s tax season again and everyone wants to get as much of a refund as possible. There are many credits the average taxpayer can claim, especially those who own their home. An often overlooked credit …

Five Steps to Becoming Debt Free You can become debt free if you follow the following steps diligently and earnestly: Start out with an honest budget. Do some calculating on your income and your expenses. …

Insurance companies like Old Mutual, Allianz and American Equity have created a three fold scam to legally bilk the elderly, cognitively impaired and financially unsophisticated out of large portions, if not all, of their life savings. …

Credit can be a useful tool or it can spell financial ruin. Used wisely, it can provide convenience and even monetary savings to individuals, however traps can be disastrous. It is important to learn about …

What is the largest asset that you own and on which you make the largest payments? It is your home, of course. That is primarily the reason for the insurance on your property. If you …

There are two distinct harms being discussed here. There are the harms of drug abuse that destroys bodies, minds, families and communities. There is physical harm, multi generational harm, death, damage and destruction to the …

The onset of colder months does not necessarily mean an increase in income. So, many people have no cold-weather stash to invest in making their homes more energy-efficient. All is not lost, though. Here are …

If you are using the shoebox method of record keeping, then maybe it is time to get this year organized and get ready for next year at the same time. My taxes aren’t that complicated, …

Swipe it When in 1970 American Express, American Airlines and IBM rolled out the first magnetic stripe credit cards, a technology that was to revolutionize the banking and credit industry was born. Although credit and …