Learn to live within your means and be debt free. Increase savings, invest to grow your money for retirement. Watch out for scams, scums and the schmucks of the financial world. Get more information from books and seek help from financial advisers.

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Keep in mind, investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

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Borrow or Lend As Little As $25 With The Help Of Kiva

Thursday, May 9, 2013, 1:00 AM | 2 Comments

There are many programs about peer-to-peer micro-lending, one of which is Kiva.org that’s still in business. Another one is Virgin Money (VM) but it’s closed to the U.S. market. VM serves only UK, Australia and South Africa. Kiva is open to all. Kiva is a nonprofit organization that promotes itself as a link between small […]



Tips How To Spend Your Tax Refund Efficiently

Wednesday, April 24, 2013, 1:00 AM | 2 Comments

It’s more than a week since the deadline for filing the U.S. tax return forms. If you are like most taxpayers, you have e-filed your return. Folks who indicated on their return and filled information for direct deposit, IRS suggests you should get your refund within 21 days. Those who have received their refund and […]



Properly Managing Your Finances During Divorce

Saturday, April 13, 2013, 1:00 AM | 1 Comment

Throughout our lives we will face many stressful situations, for some, this may include going through a divorce. If you ever have to face a time like this, you should know that it is important that you protect yourself financially. It is understandable that going through a divorce will leave you feeling mentally and physically […]



What You Need to Know about Federal Housing Section 8

Thursday, April 11, 2013, 1:00 AM | 1 Comment

The Housing Act of 1937, or simply called Section 8, is the US housing program that states the government can provide assistance to low income households in paying the rent. The Housing Act has many components, but the best known is the Housing Choice Voucher or Section 8. The Department of Housing and Urban Development […]



Five Ways to Get Car Loan With Bad Credit & No Money Down

Friday, April 5, 2013, 1:00 AM | 5 Comments

Approving a car loan with bad credit and cash down might not be a cakewalk, but it is very much possible. You might have to engage in a lot of research, negotiate with a lot of dealers but ultimately you will be successful and happy to see that your credit score has increased. Firstly, stop […]



2 Ways To Take Control of Your Financial Future

Wednesday, February 27, 2013, 1:00 AM | 2 Comments

Before accepting your application for loan which also includes issuing you credit card, many banks these days research about your past behavior handling your finances. There may not be anything wrong with it. It’s the lenders’ money and they want a good return on it. Lenders try to understand how you have dealt with your […]



Talk to human instead of robot

Friday, February 15, 2013, 2:00 AM | Leave Comment

These days most companies have automated their customer service on the phone. They tell us it may be cumbersome and annoying and more frequently frustrating to the customer but it’s cheaper. They save money. That saved money is never passed on to their customers. Instead there are times when consumers don’t get an answer, they […]



6 Tips For Increasing Your Net Worth

Wednesday, February 6, 2013, 2:00 AM | 1 Comment

Knowing your net worth is important, as it can mean many things. Basically, it is the yardstick by which you can measure your personal financial success in the years to come. The higher your net worth, the better future you can achieve. Of course this only works when you are able to increase or at […]



5 Smart Ways To Live Better Financially

Saturday, February 2, 2013, 2:00 AM | 2 Comments

Statistics tell us many folks follow new year resolution for a month or two and then they quit following it. They never follow it to completion for the year and beyond. If you are in debt and can’t manage it, you must create a plan how to reduce debt. Resolutions are made to be broken. […]



It’s High Time You Read About Claiming Back Your Bank Charges

Wednesday, January 23, 2013, 2:00 AM | Leave Comment

It is a major problem watching millions across the nation sue banks or claim for unfair charges thrown on them by the financial institutions. This happens when mortgages are mis-sold or the purchasers acquire loans from other organizations and banks. Claiming back your bank charges can happen only when customers have misapplied loans on their […]