A pervasive global structure of interwoven networks owned by a minority of the planet with concentrated wealth lay beyond an infinity of facades storefront in America-these names on every main street and at most freeway …

The year 2010 has been one of economic change and financial instability in many families. Much of the anxiety that people have felt has been due to the housing market. Families have lost homes, or …

Homeowners insurance has three basic types of coverages that are available on a typical policy. There is coverage for contents, liability and replacement cost with each having their own limits. The coverages on a homeowners …

Typically, if you are married, filing jointly will be your best option when submitting your tax return to the IRS. However, taxpayers married at the end of the year can elect to file separately and …

Income tax time is just around the corner. Those W-2s will be hitting the mailboxes (hopefully) in the next few weeks so that everyone can find out whether they need to write a check or …

Credit card is a convenient system of payment.  The credit card holder can use the card to buy goods or services and pay the credit card company later.  Credit cards have become very popular, with …

“When you’re really poor, everything you see is something you can’t have.” -Patrick Duncan, late anti-apartheid activist In the United States, poverty is, in most cases, eating Ramen Noodles, goes without HBO and has to …

The short answer is, there is no short answer. While the provisions of insurance policies are usually goverened by state law and are based on standardized “ISO” forms, each polcy can contain substantially different coverages. …

It does not matter who you are, where you live, or what you do. The bottom line is that we can all stand to save money. In our hectic lives, sometimes we forget how easy …

Title: Investing is Like Riding a BikeArticle: What do walking, riding a bike, and investing in real estate have in common? All of them follow the general rule that doing something new for the first …

‘How to Save Money During a Recession All anyone ever talks about these days is the Financial Crisis that the whole world is going through and unless you are very rich it’s a very big …

What do we mean by an Efficient Market? In an efficient capital market, security (for example shares) prices rationally reflect available information If new information is revealed about a firm, it will be incorporated into …

In 2004, U.S. PIRG, a consumer-advocacy group, conducted a study concerning the accuracy of information contained in credit reports.  What they discovered was shocking.  The group concluded 25% of the credit reports contained errors serious enough to lead to …

One of the most powerful tools in any personal finance arsenal is a budget. Unfortunately, many people make it much more complex and difficult than it needs to be. As far as budgets go, simpler …

Saving money on home insurance can be done using a variety of tips to lower the cost of the premium, including finding discounts that are available, not filing unnecessary claims and adjusting the coverage and …

A recession is never a fun time, but they do happen. When they do, you simply have to learn how to scale back your lifestyle. If you don’t, you’ll simply making things worse for when …

When looking at your homeowners insurance, there are many factors to look at regarding your rates. Buying homeowners insurance can be very frustrating, as well as very confusing, but you must stay focused, and know …

When you work from home, you may be eligible for a number of tax deductions related to your business. What exactly you are entitled to will depend on the type of work you do from …

Knowing why tax attorneys are used helps to determine when one should utilize their services. Tax attorneys specialize in tax laws, which are inherently diverse, dynamic and detailed . There are even some specializations within …

Reading up and learning more about retirement strategies for late starters turns up one interesting discovery—all who discuss this topic comment that it’s never too late to make a plan. Perhaps that is true, but …

Located at the heart of Placer County, California, with a population of about 13,000, Auburn is immersed in the California Gold Rush history. One of the most well known individuals of the time was Clark …

Groceries can easily eat up a family budget, but there are several ways to eat well while staying within your financial limits. Learning about your current grocery spending habits, using a list, planning ahead, and …

There is a popular misconception concerning low limit credit cards helping to  improve credit? That is actually not a true statement at all.  Lower limit credit cards are usually only sent to those who have …

What is the purpose of investing?To objective is to let the money grow itself even while we are sleeping.As the money keeps rolling itself, it will helps us to our different needs,i.e. University Fees for …

When shopping for renter’s insurance, there are a few important things to look for and consider. Renter’s insurance should cover your losses in the event your belongings are damaged at your rented residence. But a …

I am writing this from the perspective of someone who lives in a country where tipping is not usual or expected. I have been to the US on a number of occasions, and feel I …

The art of saving money Everyone should have a savings account, even though there are a number of pros and cons with respect to setting up a saving account and maintaining it on a regular …

Financial incentives and penalties can motivate many consumers to change their spending habits. The lure of a lower interest rate on a balance transfer card; the reluctance to pay a surcharge for using a credit …

You retired with a pat on your back from your ex-boss and maybe you received a parting gift, like a gold watch. Now you have all of the time in the World to do what you …

After a claim has happened is not the time to try to document your valuables. To make the claim process easier, documentation of valuables needs to be completed before a claim has happened. Valuables should …