How an individual handles his or her financial situation is as much emotional as it is practical. Being in a bad financial condition can create a sense of helplessness that prevents an individual from acting …

Universal Studios operates two theme parks in the United States.  (There is also an overseas Universal Studios in Japan.)  One is in Orlando, Florida, near Walt Disney World.  One is in Hollywood, in southern California. …

Stock buybacks occur when a corporation uses available cash to repurchase shares of itself either from shareholders or from the market in which available shares circulate. There are a number of advantages to stock buybacks, …

The best stocks for long-term investing are those that are steady and that will yield ample dividends over the long haul. With the world’s markets now teetering with the possibility of further slowing in sales, …

There are reasons to start receiving Social Security at age 62. The “entitlement program” is Social Security established years ago to see that the senior citizen not end up in the poor house upon retiring. …

Taxation time must be the most dreaded nightmare for everyone each year. Why do we delay the inevitable by throwing the receipts into a drawer and put off the task of recording them either into …

Market investing is a term that means many different things to many different people. For example, there are securities and derivatives. Instruments that are built from or depend upon base securities are termed derivatives, such …

Car insurance is a large part of the budgets of many households. With premiums continuing to increase, it is important to find ways to possibly lower the rates you pay.  You should be able to …

Health insurance is expensive because the market lacks transparency, which reduces competition and choice. With more transparency consumers would know the actual costs, allowing them to choose treatments more carefully. Also, they would have the …

Credit cards are very useful payment tools. Different cards come with many different characteristics, and you want one that will provide the features and terms that you desire. There are many desirable features of credit …

Tax returns are normally do to be filed by April 15th of the year following the tax year. Most people can meet this time but if you can’t there are options afforded to you by …

What is an illness insurance policy? Critical illness insurance covers you in case you are diagnosed with a serious or life threatening illness. You would be financially protected by a tax free lump sum payment. …

Exchange-Traded Funds (or ETF’s) are basically baskets of securities that trade in an exchange like a stock. The ETF is subject to intra-day trading and its price fluctuates throughout the day, the result of this …

While buying organic foods may seem more expensive than other produce, there are ways to save on it.  The extra money that you spend now may save on health costs in the future. More stores …

Everybody faces the decision whether to buy property or rent. There are many considerations in making this determination and equally as many questions to ask. Length of residence. Do you plan to make this a …

You no doubt heard of the new Obama Care Health Laws taking full effect by 2014. If you are not aware of these changes, then you will be aware very soon. You are probably like …

Home phone bills can be daunting. Add this to other utilities and you can be paying too much monthly for the convenience of a home phone. There are several ways to save on your home …

One of the best parts of the holiday season is all of the delicious foods available. Some people opt for making their goodies from scratch. No matter how you serve up your favorite holiday meals …

A bad or poor credit rating can boundary your borrowing options. It is the worst feeling in the world when your credit has been declined. Your credit rating is decided by your credit history. So, …

In today’s financial market, investors make use of different types of investment tools or instruments depending on their expectations and needs. While some of these instruments are made to safeguard funds, others are made to …

Coupons are clearly worth the effort of collecting them. Anyone who has managed a budget can see how much small savings each day can add up to over a long period of time. According to …

Credit has become a central part of everyone’s personal finances. These days, it is important to maintain good credit standings, or it could lead to a lot of headache. Problems people face due to bad …

The world of financial planning can seem tedious, boring and frustrating. Most people enjoy spending money on fun things, not saving it for retirement in forty years. Yet those same people get upset when the …

Health care costs are nothing short of exorbitant, especially if you don’t have healthcare benefits. If you are lucky enough to have sufficient medical insurance coverage, your costs might be lower, but that doesn’t change …

The long-awaited arrival of practical electric cars may finally be on the horizon. Technological improvements, especially in batteries, have allowed for the development of electric cars that are currently on US roads. Although cost remains …

If you are involved in a car accident it may be difficult to remember the information you should obtain from the other driver. It may be helpful to keep a list in your glove compartment …

A budget as a financial tool enables you to be successful in tracking your income and expenses. It’s an effective money management tool that hugely impacts financial planning in the corporate world. Most business have …

As more and more businesses experience downsizing because of the present economy, even more people may be faced with a “retirement” they didn’t want – and were not prepared to experience. Often, retirees feel their …

It is not quite as easy to get a mortgage these days. In years past, it almost seemed like lenders were all too happy to help you increase your debt. Now there are strict guidelines …

Setting up an IRA today is easy. You must decide on what type of IRA. A Traditional IRA will allow you to deduct the amount of money you invest against the Adjusted Gross Income (AGI) …