After a few years of work, you applied for a credit card, which you got it the following month. You are extremely excited and went on spending like there is no tomorrow. You involved yourself …

Check books have always  been popular with businesses  for the payment of goods and services. It is still a preferred way of payment because it allows people the freedom to walk around with only a check book …

Anyone who’s ever invested in the stock market knows how volatile it can be.  If you like to keep an eye on your stocks, whether to buy or sell or just to check on them, …

Even if you are on a low income it is important to stay within a budget you can afford. If you start relying on credit cards and loans to cover everyday living expenses you will …

Building your financial future is a fundamental skill everyone should acquire. Budgeting, cash flow analysis, saving and investing are four things critical to the process of taking control of your financial future. These four things: …

In the state of California, there are two important coverages a standard homeowner policy does not include: flood and land movement. Since homeowner policies vary state to state, you will want to consult your local …

With the increasing prices and other economic difficulties, many people are keeping a close eye on how they spend their money.  It may be a good idea to be aware of how you are spending …

Impulse buying is a slippery slope because it can both quickly and easily lead to over-consumption.  It is a euphemism for a “shopping addiction” in today’s culture.  The first step is deciding if you or someone you know has this …

Startling research shows that exactly 100 percent of every person in the world at this time will one day die. Yet, so many of us have failed to plan for that eventuality. A last will …

Becoming a millionaire is a dream we all wish could be a reality. We would never have to worry about whether we will be able to pay off all those bills that seem to be …

Credit card debt is something that millions of people are struggling to get under control.  Either these people choose to ignore the situation or just have not implied the necessary tools to make their financial …

Each time you apply for a loan, whether for a car, house or for personal expenses, you have to essentially submit to a financial background check, or credit check. When the lending institution sends out …

The search for an investment strategy that will yield consistently high abnormal returns has long been sought for by academic researches and market professionals. While momentum strategies are not intuitive (Why should a stock keep …

Don’t you hate walking into the market hungry?  As eyes grow bigger than the stomach, the cart becomes a recipient of those foods we’d love to eat NOW.  “Show some restraint”, we tell ourselves. “Restraint” …

As an ex-employee of an insurance broker I can give you the insight of a behind the scenes look at how your insurance premium is calculated when speeding offences are present.Motor insurance is calculated by …

Swimming with sharks is one way to describe military communities.  Outside most bases there are frequently similar business establishments, they are, tattoo parlors, bars, car dealerships, dance clubs and “loan sharks.”  Why?  The prey consists …

Don’t be afraid of the world of personal loans, but don’t walk around in that world blindly, either. There are scams out there, but there are also many legitimate financial institutions that can help you …

Identity theft is all too common in today’s computer-driven modern world.  There are steps you can take to combat this from happening to you. Do not give out your personal information to people who contact …

When it comes to budgeting, it is a hard thing to try to get used to doing. You may have been in a comfortable financial situation once before. Things may have changed beyond your control, …

Before describing how the military retirement pay for a retiree is calculated, it is important to know that there have been numerous changes to the system over the past 30 years and there is understandably …

Bond investments are an investment made for a fixed period. After the investment period they then provide an interest based return. Their interest rates can vary somewhat, but it is usually the case that the …

Though the prices have lowered considerably, notebooks are still expensive items. Nevertheless, they are becoming increasingly essential for many jobs and especially for those who travel a lot. In order to purchase a new notebook …

Costco Wholesale Corporation (COST), is a wholesale discounter that sells directly to the public allowing consumers to bypass retail distributors and retail prices for household items. Costco can save families a lot of money due …

Apparently the government thinks it’s a good idea. The rich are already paying up to 35% in Federal income taxes. However, the newly proposed additional (surtax) income taxes would take away another 1 to 2% …

The purchase of a new home has hidden costs that may surprise you. You should plan on spending extra money for fees that you didn’t have to worry about when renting, such as condominium fees, …

A Real Estate Investment Trust (REIT) is a form of corporation that allows investors to pool their money to invest in real estate.  REITs can be public or private corporations. REITs are created in part …

There’s no getting around the fact that cars aren’t exactly cheap, especially these days. In fact, barring a roof over your head, a car will likely be the largest expense you’ll have. In the United …

Most young people would derive great benefit from completing a required course in financial planning at high school. Good financial education can provide school leavers with a better start to their working life, after graduating …

Financing your new or pre-owned vehicle through a dealership is never as great a deal as they would have you to believe. Dealerships sell the idea of convenience by offering the complete car buying experience. …

Would you like to save money on food, but don’t know where to begin? Are you tired of leaving the supermarket broke every single time? Do you wish there was more you could do to …