Money is too tight to mention these days. Many folks have difficulty making ends meet with the rising cost of everything. It is sad, but some are in such a bad financial situation that bankruptcy is the only way out. This is an embarrassing proposition for many people, but for…
Trying to get service from a government employee can be frustrating. But whether you are dealing with the DMV, your state’s tax agency, or any other government office, it is important to remember that these employees are people too. With that in mind, here are a few tips on how…
The holiday season is a time for family, friends, and fun. Unfortunately, it is also a time when many of us overspend. According to a recent report, the average American will spend $1,052 on Christmas gifts this year. If someone is not careful, all that holiday cheer can quickly turn…
Big ticket items are part of holiday spending sprees. Washers, televisions, personal computers, and even cars are on the shopping lists of many folks. Merchants often follow up big purchases with the option of a warranty for the buyer to consider. It can be tempting, and a consumer should know…
The housing market is rarely quiet, and recently there has been a lot of concern about the affordability of houses. If it is not the sales price, the mortgage interest rate is driving buyers crazy. As a result, some people are wondering if they could ever afford a home of…
The government can be an excellent resource for young employees. There are many programs and benefits available to help someone get ahead. But how do you know what you need? And how do you go about getting it? Here is a guide to help you get the government help you…
We might as well admit that we are at the start of a recession. There will be some tough times ahead, and the economic downturn will threaten the financial wellness of many people. Everyone can get through these troubled times, but it takes a level of maturity and responsibility. A…
A popular and often-used benefit of group legal plans is the writing of a simple will. These are no more than six pages long and are the last testament of an individual and divide that person’s estate. A principal player is an executor. This is the individual who takes care…
What is Consumer Protection? At its basic level, consumer protection is about ensuring that businesses are honest and fair when dealing with consumers. This includes ensuring that companies provide accurate information about their products and services, live up to their promises, and treat consumers fairly. In other words, businesses should…
A budget is essential for managing finances and ensuring that spending aligns with personal goals. It can seem like a daunting task for anyone who has never designed one. But creating a budget is quite simple—and it is a skill that is well worth learning for anyone who is leaving…