We are bombarded by advertising to purchase items almost everywhere we turn these days. Having the constant temptations of modern day consumerism has a great affect on the personal finances of many people. Even though …

Critical illness insurance is an insurance policy that involves payment of large amount of money when the policyholder catches one of the illnesses in the insurance policy. The insurance premiums are payable regularly just like …

In this era of economic uncertainty, job security isn’t something that can be taken for granted. At any given moment, even the most dependable, skilled employee can be sent packing. Since an income is virtually …

EXCHANGE TRADED FUNDS or ETF’S as they’re more commonly known are similar to mutual funds; in so much as you the stockholder possess a basket of shares, however, as the ETF has it’s own identity …

High yield investment plans (HYIP’s) are investment vehicles that purport to yield very high percentage returns on investment within a short period of time. There is also considerable publicity on HYIP’s as being very high …

There are people all over the world that enjoy going to antique shops looking for a special treasure. Some people collect antiques as a hobby and some appreciate the craftsmanship of past artisans. For some, …

Filing income taxes and paying income taxes are two different actions in the view of the U.S. Internal Revenue Service. If you cannot file or pay taxes on time, then there are options available that …

The debate between mutual funds and Exchange Traded Funds (ETFs) has been one of the hottest topics in financial circles since ETFs hit the market. They’re both smart choices for investors with small portfolios and …

Bogey Never Said It Did you know there was an extensive list of erroneous and misleading pieces of information being distributed in the field of credit and debt management? Just as Bogey never said, “Play …

Millions of consumers blindly pay credit card interest year after year, seemingly oblivious to the fact that there is no need to do so. Every single time a credit card is used which carries an …

Routine behaviors and  consistent  practices are needed in order to protect credit cards. Additional measures are needed to limit the temptation for those that are sophisticated in the practice of theft. Precautions can become a safety routine that …

Transaction costs can actually be a huge problem in the financial markets as they can cut down on a person’s profit, and many other problems that could reduce interest in financial markets, and more. The …

Ecology is a Greek word which is defined as the study of how organisms relate with each other and their environment. Human beings are the dominating species on Earth and compete a lot for limited …

Most people do not want to think about death, dying or distribution of their estate after they pass away. But planning one’s estate is a very important tool for not only oneself but their family …

Home Mortgage Interest Deduction This seems like an easy discussion. If you have home mortgage interest, you get to deduct it on your taxes, right? The surprising answer is not always and not necessarily all …

Grocery shopping is a necessary expense, but it’s far too easy to spend more than you intend. You walk into the supermarket knowing you need a few items, and you walk out with a cart …

Inflation has increased everyday expenses and it has become harder to save your pennies. Unfortunately, incomes don’t increase as quickly as costs do and, as a result, household expenses keep going up. Food is no …

I would say that It is more important now than ever before to save for retirement. Why? Because money talks! The cost of everything keeps rising. Prescription drugs, medical care, food, utilities, you name it. …

Be it for your personal finances or the largest corporations, the basic bank account reconciliation is one of the most simple yet invaluable tools available for keeping track of funds. On a personal level, this …

Thanks to the current economic meltdown more and more people are thinking of taking up loans so that they can be able to lead comfortable lives. The biggest challenge that these people face is making …

7 Sure Ways to Save Money on Greeting Cards Greeting cards were once economical add-ons to birthday and holiday gifts – or simple sentiments to be sent on such occasions. Lately, however, printed greeting cards …

Cell phones have been floating around the technology market for years now. Each type of phone offers new features that telecommunications companies hope you cannot live without. It is true that cell phones allow people …

Before deciding to donate to a charity, there are questions to ask.  Along with legitimate charities, in recent years there have also been many scams popping up. There are over 60,000 new charities created each …

With home values dropping in recent years and other circumstances you may find yourself in trouble when trying to make your mortgage payments. There are some steps to take to prevent foreclosure on your home.  …

One of the main reasons to pay your credit card bill early – or on time – is  because of the APR/Interest Rate.  The APR  is known as the Annual Percentage Rate, or the Interest …

The IRS doesn’t have the time or the resources to audit everyone. In fact, only a small percentage of of tax returns are audited each year. Since there are always some returns that are randomly chosen, …

A Mutual fund is usually a company that invests on behalf of its clients via multiple investing options including stocks, bonds, short-term money market instruments, or other securities and assets. Many mutual funds seek to …

A personal finance loan is a loan that has no collateral behind it. Unlike a secured loan such as a mortgage, in which the lender can try to make a recovery through possession of property, …

Many people think that the lack of credit or cash puts buying residential investment properties out of reach for them. This is simply not true. You can invest in residential real investment properties, even if …

Most investors in bonds are familar with the bonds’ maturity. The maturity of a bonds is the point in time when you receive back your principal. It is easy to know the maturity of a …