When you buy a car and you are paying a loan, you are generally required to carry full coverage insurance:  if the car got totaled, the people to whom you owe money would get their money back.  After the loan is paid off, you frequently have a choice.  You can continue to pay for full […]

A generation ago, whether you were a white collar worker in a corporation of a blue collar worker on an assembly line, once you got your job, you stayed with the company until you retired.  Maybe you moved up the ladder, but you ended up with thirty to forty years of service to one company […]

Probably everybody knows that you should have a budget and many people dutifully on December 31st create a budget for the New Year as part of their New Year’s resolutions.  Yet in many cases the budget is history by January 31st.

For a budget to be successful, it must be realistic.  One way to get started […]

There are legal but financially significant differences between the connotations of what a credit company advertises (low rates:  9.7%) and the actual facts of the matter.  One would think that “low rates” means exactly that.  In fact, what it means is “a smaller amount of usury than some other credit companies.”  You may recall that […]