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Measures from the recently passed health care reform bill are going into effect this year, including a new process of appealing a health-claim denial. Many people find that their claims for coverage are denied, even though they believe that insurance should cover the cost. There is an appeals process in place, but in many cases [...]

My husband likes the house cool, so once summer comes, the utility bills start to rise as the air conditioner is turned on. In order to save money on our utility bills, we often employ a number of strategies that also increase the energy efficiency of our home. If you are concerned about your utility [...]

Many people like to dream big and think big. Unfortunately, the sheer amount of effort to accomplish their big goals simply overwhelms them. For instance, take a routine activity like walking across the street. You take one step at a time and you get the job done. But if I ask you to leap across [...]

If you keep a lot of money in your checking account, moving your money to a high interest checking account may be a good move. Below is a list of nationally available highest yields checking accounts. All of these accounts are FDIC insured up to $250,000. Your principal is protected and you’re guarantee a positive [...]

It is getting harder and harder to find a product that does not offer an extended warranty these days. It seems like every store now offers some sort warranty on some of their merchandises. For $3, $8, or $40, you can get an extra one, two, or more years warranty. And the pitch usually goes [...]

There are many reasons that people end up with poor credit. You know, though, that in order to get access to loans for major purchases (especially a home), you need to have a good credit score. Even if you are approved for a loan, your bad credit can lead to higher interest charges, costing you [...]

When it comes to personal finance, you essentially have two major areas of focus: your income and your expenses.  On the income side, you’re dependent on a number of external factors such as the economy, your employer, your tax rate, your industry, etc.  These external factors can sometimes work against you, making it can be [...]

When someone is first enter the world of finances, they will need to learn some new basic finance skills.  Unfortunately, many teenagers and young adults get to college without having a clue about some basic personal finance tasks.  You might make a lot of bad money choices, but if you have some basic financial knowledge, [...]

Tired of spending money on things you don’t use or get very little results out of? I’m referring to your gym membership. Don’t get me wrong, I’m a big fan of gyms and love going to them, but when they cost an average of $33 per person per month, it comes down to a combined [...]

If you have kids, you probably know that only health care cost increases can compete with the inflation seen by education costs. This means that you are probably going to need to do what you can to help your child get the college financial aid that he or she needs. Even if you have been [...]