Debt

Sometimes lenders will require that LMI be paid for a fixed period (for example, 2 or 3 years), even if the principal reaches 80% sooner than that. Legally, there is no obligation to allow the cancellation of MI until the loan has amortized to a 78% LTV ratio (based on the original purchase price).
Although many [...]

On the whole college students I know are excited to graduate and step out into society and start their lives as an adult. Certainly school can be really enjoyable however you eventually progress to a stage where You are simply sick of going to classes, listening to boring lectures, staying up all night to Finish [...]

Being in Debt is bad, no matter how you look at it. Consolidating debt is one way to but all your financial issues in to one pile so it’s easier to manage. It’s a good way to begin clearing up the problems, but there is a few things to consider.
The Good.
The best way to consolidation [...]

Ways to Find Money for those “Extras” without Dipping into your Savings
Every once in a while, no matter how hard we struggle to save money and resist the temptation of buying everything in sight, we have to come up with extra money for an important (or sometimes not so important) purchase. How can you [...]

If you live in a place where water is plentiful, you may possibly take this resource for granted. However, you can save money on living expenses if you consider the water-saving tips mentioned in this article.
For instance, one of the most often used ways to save money by using less water is taking shorter [...]

Talk with your plan administrator
Contact your employers benefit representative to learn the details of your plan. In summary, you must first reach the statutory limit of $15,500 in 2008, or other required limit before you are eligible to make catch-up contributions. Furthermore, employers are not required to match catch-up contributions.
Pay Yourself First
The catch-up contribution [...]

Three Banking Tips to Keep Money In the Bank!
A credit card annual fee is an expense that you must pay per year in order to keep your credit card. The good news is that these fees are generally very low. Most annual credit card fees vary from $10 to $75 a year. Rewards cards [...]

The Wants vs. Needs Battle and How It Affects your Budget
Every person who enjoys a good afternoon of shopping knows well the tension that exists between the things we want versus the things we need. In our materialistic society, it can be very difficult to reconcile this tension. Often we convince ourselves that the [...]

You should shop for quality insurance. Ask your friends for their recommendations. Do they like their insurance representative? Does the insurance agent seem to be responsive to their needs? Is the agent easy to contact? How long have they had this agent handling their insurance?
Determine your real needs. What types of insurance will you [...]