Personal Finance

For many consumers one of the most expensive aspects of owning an automobile is the car insurance. Depending on where you live in the United States, you could be paying anywhere from $500 up to $1500 a year just for one vehicle, and the national average is $120 a month approximately. That’s a lot of … Read more about 6 Excellent Tips to Lower Your Car Insurance Costs

When individuals are in the market for a mortgage and are not financially well-off, they may very well want to consider a no-deposit home loan. Such loans will allow people to purchase a residence without making a down payment. This particular scenario is quite beneficial for young couples who are … Read more about Five Things You Should Know About a No-Deposit Home Loan

In the current economic climate, many people are looking around very carefully for the best place to invest their hard-earned cash.  One option is to use a certificate of deposit (CD). A CD is, fundamentally, a promissory note issued by a bank that entitles the investor to receive interest on a … Read more about Understanding Certificates of Deposit

When they bought their first home in North Dakota in 2004, Shane Ede and his new wife were completely unprepared financially. With over $60,000 in student loan debt and a combined income that was just over $45,000 a year, their debt-to-income ratio was definitely not in their favor. However, since … Read more about The Top 5 Biggest Home buying Mistakes 1st Time Buyers Make

Science magazine just published a study that found that, if you’re poor and also mismanage your money, it’s possible that you might be able to make good financial decisions but more than likely you’ve trapped yourself into a vicious circle and can’t. Problems caused by being poor are more than … Read more about Are you Throwing Money Away? If You do These 3 Things, Yes

An excellent idea coupled with a well thought-out business plan is a surefire way to get your entrepreneurial dream off the ground but, when starting out, there are a number of mistakes that many entrepreneurs make even if their idea and their plan are sound. The fact is, just as there are more than … Read more about Avoid these Costly Entrepreneurial Mistakes

If you’ve just gotten married, congratulations. This is a wonderful and emotional time in your life and the future holds many things including homeownership and parenthood. It also means that there are going to be financial situations and decisions that you’ll need to make, some of which will be … Read more about Personal Finance Tips for Newlyweds

Although you (unfortunately) won’t find most college students studying about personal finance, during these important college years it is extremely important that students learn about personal finance because, once college is over, they’re definitely going to need it. In most cases, college is … Read more about Personal Finance Tips for College Students