Today, applying for and obtaining a mortgage loan is not difficult. You can walk into any local banking center and ask the next available teller, search online, or peruse the Sunday newspaper for local and …

Life is the journey, not the destination. Is your destination a comfortable, independent retirement? A dream home? Buy an RV and travel the country collecting idiotic tee-shirts? For any dream that takes money to realize, …

If you are looking for mortgage loan basics because you are a first-time homeowner, finding this information may seem like a daunting and intimidating task to be accomplished. An important reason for this is because …

In an ideal world, each party to a commercial contract would perform its obligations faultlessly at the first time of asking. However, the reality is that like all relationships, the parties are likely to go …

Airport tax is a term that can mean a variety of different things and are, confusingly, often called by different names such as Airport Improvement Fee, Embarkation Fee, Passenger Service Charge, Airport Departure Tax or …

Having your first credit card can give you such a sense of freedom and convenience. The ability to buy something you want and then pay it off later is incredibly seductive. And as much as …

It’s that time of the year again. You are reviewing your investment strategy right before you do your taxes to make sure that you are effectively planning for your future. Many people dread it, while …

There are several ways to buy gold as there are different types of gold investment products to choose from. There are a growing number of paper gold products in the market today; from gold futures, …

There I was, eight months pregnant, baby kicking in my belly, almost time for my husband and I to close shop on that Sunday afternoon and head home where I could rest my weary swollen …

Here are the four of the biggest factors that can affect your interest rate. * Collateral. The risk to the bank is obviously much lower if they know they’ve got a “Plan B” for recovering …

Penny stocks are very low-priced stocks, usually belonging to small companies. Although some investors view them as too risky and speculative to be worthy of serious consideration, others think there are many valid reasons to …

Money management is a skill not taught well by our public school system. Doubt me? Entice your highschool aged child into a friendly game of monopoly…then half way through the game, just reach over, steal …

Hedge funds and mutual funds are really different animals altogether. A hedge fund isn’t necessarily a fund at all. There are many differences but a few of the major ones should be sufficient to differentiate …

If brokerage fees did not exist, many people would make high returns on their investments. The brokerage fees and financial advisor’s commission reduce your overall net gain or increase your overall loss. In other words, …

I like premium bonds. I’ve had them for years, but I have become more disenchanted with them recently because the rate of return doesn’t seem as good as in the past. A large proportion of …

To the average consumer, the insurance industry comes loaded with jargon, some of seemingly unnecessary in that the terms seem to be simple common sense.  But given the myriad of claim circumstances, even the apparently …

Mafia is a criminal organization which operates in illegal activities such as gambling, extortion, corruption, kidnapping, murders, drug-trafficking and prostitution. It is largely feared in the United States of America as it has a wide …

Investing in real estate in today’s market is not for the faint of heart. Whether you plan to dive into the rental market, or to start flipping properties you must understand that there are risks …

In an uncertain job market, unemployment insurance is a simple way to safeguard a person’s income to help cushion their finances and cover their credit commitments in the event that they lose their job. It …

Yard sales are a great way to make some extra cash and can be a lot of fun to host. You get the opportunity to visit with people that stop by and maybe even make …

It is absolutely worthwhile for all people to have a bank account. In fact for people who do earn less than average it is just plain smart to open a free account at a local …

Many people are simply too busy or just do not know how to keep a proper budget, but it does not have to be as tricky as you think.  Keeping a budget is one of …

We all grow up hating communism, dictatorships and every other radical regime, and I agree with the idea that they are failed forms of government. A capitalist economy always wins, but recently, our capitalist economy …

Unless you work for an insurance company or are an insurance broker the thought of regularly reviewing your insurance policies is probably a dreaded task. This is understandable considering the fact that most policies are …

These days, family finances can get too crunched for anything as lofty as “investing in a career” or “following the American Dream”; just getting out of debt might become the new American Dream. If a …

There was a time when the world could not get enough of one Orenthal James Simpson. O.J. Simpson, better known as “The Juice,” was one of the most prolific runners in the history of the …

So someone who isn’t afraid to die gets the blessing of being put to death through lethal injection while the rest of us have to mourn the loss of a loved one for the rest …

Mutual Funds are somewhat self-explanatory. They are investment companies that make investments on behalf of individual investors. Money managers are paid to make daily decisions on which securities best suit the purpose of the fund. …

So often in life we are faced with unexpected situations. With the cost of living becoming so high many of us are living paycheck to paycheck. One little unexpected expense can put us drastically behind. …

Like most questions, there should never be a simple, nor single answer. Any kind of borrowing has to be matched with the nature of the debt being retired. For example, short term debts, like buying …