An important rule to becoming financially literate, don’t ignore your finances. This coming new year, new laws will take effect on the time limit and notification policies placed on credit card companies providing information on any changes to terms or rates to your account. Many of these notifications will require the card holder [...]

There are some surefire personal finance mistakes made by shoppers this time of year. Hold these two simple ideas in your head while celebrating the holidays and your New Year will be in a good financial direction.
Using Emergency Funds – I know there are some super sales on some desperately needed…wanted items and we [...]

If you are like millions of people then you understand the benefits far outweigh the sacrifices made with maintaining a regimented exercise plan. I stress regimented because, the plan has to be regular and steadfast. Sure, there will be mornings that getting out the bed will be tougher than others, but life is about [...]

The Obama administration and the US Treasury dept are vowing to pressure the mortgage industry to administer more loan modifications as permanently modified mortgages have not kept up with the number of troubled households owning homes. While 14% of homeowners with a mortgage are facing foreclosure, only about 2% of homes applying for modifications [...]

As New Year goals are formed, don’t forget your retirement. Most understand the importance of saving money for one’s future and many even hope to retire someday; however, very few of us ever take steps to actually achieving the ability and financial freedom to retire. The days of working at one company for [...]

The unemployment rate* fell from 10.2% to 10%. Although this percentage number may seem small, this number partially represents the over 7 million jobs lost over the last 2 years. And any glimmer of hope for the unemployed during the coldest time of the year is great.
Many thought the unemplyment rate to worsen [...]

A “new-again” trend is resurfacing within the real estate market. People are staying in their homes and remodeling. Sagging real estate values and lack of equity has ushered in the thought of “sweat equity*” and an extended time in a home as major factors to increasing a home’s value. The US Census Bureau [...]

If you are like millons of Americans you are seeing the glimmers of evidence that the economy is turning around. The three years the nation has suffered under the failing economy has tested the financial planning abilites of most households. However, as you face your future and decide upon financial directions to travel, [...]

Pending home sales have increased over the last nine months to a level not surpassed until before the 2006, before real estate market bubble burst. Pending home sales are homes on the market for sale and have a buyer willing and signing to purchase the home. Although the housing statistic is great news for [...]