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Terms of Use: Investors should always take the critical step of reading the financial statements of the companies they've invested in, or intend to invest in, because financial statements contain important corporate financial information that may not be readily apparent from news releases. Recently, some companies have put out press releases using so-called "pro forma" financial information to highlight what they claim are important portions of their actual financial reports. Investors should kn  More...

Terms of Use: Transportation Airline Fares Car Rental New Cars Used Cars Auto Leasing Gasoline Car Repairs Insurance Auto Insurance Homeowner/Renter Insurance Life Insurance Banking/Credit Checking Savings and Investment Products Credit Cards Auto Loans First Mortgage Loans Mortgage Refinancing Home Equity Loans Housing Home Purchase Renting a Place to Live Home Improvement Major Appliances Utilities Electricity Home Heating Telephone Service Other Food Purchased at Markets Prescription Drugs   More...

Terms of Use: Buying a used car is a great way to stretch your dollar, but you'll want to learn these used car facts BEFORE you shop. GET THE USED CAR FACTS FIRST The price of new cars has steadily climbed over the past few years making used vehicles more attractive than ever. Because new vehicles lose so much of their value as soon as they're purchased, car shoppers are increasingly turning to previously owned cars as a smart financial alternative. Today, thanks to manufacturing and mainten  More...

Terms of Use: Depending on the extent of your estate, a living trust isn't much more complicated than a will. With a good self-help book or software package, you can create a valid living trust yourself. Lawyers commonly charge upwards of $1,000 to draw up a simple trust. Once you get the boilerplate legal language from a book, software package or an attorney, you will be required to define the following information: The name of the person creating and managing the trust . The name of the p  More...

Terms of Use: Every day, consumers are learning new ways to get more value for their money. From different ways to pay-such as credit, debit or smart cards-to home banking and shopping over the Internet, people are realizing that they have more control over their money and more ways to use it. Parents and caregivers are uniquely positioned to teach kids the life skills, values and understanding they need to become smart consumers. The goal of this series of articles is to help parents and caregi  More...

Terms of Use: There are mortgage options now available that only require a down payment of 5% or less of the purchase price. Mortgages with less than a 20% down payment generally require a private mortgage insurance (PMI) policy to secure the loan. For example, if you pay 10% down on a $100,000 loan, PMI might cost you about $40/month or $480/year. However, the actual rate is based on various factors including the size of the loan, the amount of the down payment, and your individual lendi  More...

Terms of Use: The LTV ratio is the amount of money you borrow compared with the lower of the price or appraised value of the home you are purchasing. Each loan has a specific LTV limit. For example: with a 95% LTV loan on a home priced at $50,000, you could borrow up to $47,500 (95% of $50,000), and would have to pay $2,500 as a down payment. The LTV ratio reflects the amount of equity borrowers have in their homes. The higher the LTV ratio, the less cash homebuyers are required to pay out o  More...

--> Terms of Use: Any individual over the age of 18 and of sound mind is entitled to make a will. To be legal, a will must include the following : You must be of sound mind and legally an adult. The will should be typewritten or computer generated. Handwritten (or holographic) wills are not valid in all states, and should be avoided to ensure that all declarations in the will are read correctly. The will must expressly state that it's your will. You must date and sign the will. The will mu  More...

Terms of Use: Need some help finding the right path for your financial future? You've come to the right place. We've put together an itinerary that takes in all the basics for your journey to learn more about saving and investing. Traveling down the right road to achieving financial well-being is one of the most important trips that you'll ever make in life. You don't have to be a genius to do it … and you don't have to be rich … you just need to hit the road and get started. At ea  More...

Terms of Use: Before you start shopping for a car, you’ll need to do some homework. Spending time now may save you serious money later. Think about your driving habits, your needs, and your budget. You can learn about car models, options, and prices by reading newspaper ads, both display and classified. There is a wealth of information about used cars on the Internet: enter used car as the keywords and you’ll find additional information on how to buy a used car, detailed instru  More...