The Impact a Low GPA Has on Your College Financial Aid

Although college is basically looked at as a necessity these days, affording your tuition is more difficult than ever. All of the costs of attendance continue to rise, from class credits to books to a cafeteria meal plan, while available financial aid dwindles. You’ll almost always be able to get at least some sort of federally funded loan, but that leaves most college students with a mountain of debt after graduation. It’s hard enough getting by in a difficult job market and a recession economy, but it can be next to impossible when you also have to pay off five...

Is It Smart to Borrow Money From Your Life Insurance Policy?

Desperate times often call for desperate measures. And while that may sound a bit dramatic, the recession that’s gripped the global economy over the past several years has left millions of families in that exact sort of situation. Unemployment has hovered around double digits for quite some time now, while most of a family’s regular monthly expenses continue to rise. Even highly qualified and motivated individuals often found themselves asked to cut hours or hunt for work for months and even years, forcing many people to empty their savings account and dig into emergency funds. You can only lean on...

5 Ways to Raise Money for Your Medical Treatment

Medical expenses can be overwhelming. If you have been diagnosed with a serious illness or require some type of surgery, it might be worth it to spend some time before hand to devise a plan to pay for it all. This is especially important if you don’t have medical insurance. If you have some type of life threatening illness, your plan should include a way so that you aren’t left in a massive hole of debt with interest building up and the possibility of paying the loan back getting slimmer and slimmer each day. However, in this day and age,...

5 Cheap and Effective Home Security Options

Let’s face it – home security can be incredibly expensive. Moreover, home security specialists say that most of the high-end security systems aren’t entirely effective and thieves usually know how to bypass a lot of the modern alarm systems that are on the market. Yet, whether we are trying to protect our valuables or, more importantly, our family, it is crucial that we have an alarm system that works and doesn’t take a huge hit on your wallet. They say that there are over 2 million burglaries a year that could be prevented by a simple and effective home security...

Do small business need insurance?

Small businesses need company insurance, as failure to do so can prove to be catastrophic. Taking out business insurance policies will also offer peace of mind to small businesses, as they will be thoroughly covered if and when a claim is made against them. This is particularly true of small business liability insurance and business indemnity insurance. Public Liability Insurance This is a type of major to small business insurance that offers legal protection in the instance of claims for negligence. For instance, a claim may be made against a business if an injury has occurred on business premises. A...

Is Cord Blood Banking Really Worth the Cost?

Lots of people in the medical world today are talking about cord blood banking. This emerging trend in medicine involves the collection and storage of umbilical cord blood and tissue following childbirth, and its benefits are being touted from doctor’s offices, yoga studios and everywhere in between. Studies indicate that the blood stem cells found in the umbilical cord could be used to treat a number of diseases as this medical discipline grows, but many parents-to-be are wondering if it is worth the cost. Umbilical cord blood can be banked publicly, and many mothers donate their cord blood to public...

5 Ways to Save Money on Your Child’s Education

They say that children that complete high school can make up to $35,000 a year, those who complete college will make up to $50,000, and children who complete an advanced degree or receive a doctorate can make up to $100,000 a year or more. However, in order for your child to reach a six-figure salary you need to make a serious investment in their education. This can be done early in your child’s life by sending them to a great school with great teachers, or instilling in them the merits of working and studying hard to accomplish their dreams. For...

How to Get the Most Money When You Sell Your Old Textbooks

As your college days go on, you’ll likely find yourself accumulating more textbooks than you’d ever imagine owning. Some of them may be useful to you in the future, but many are likely just going to take up space. Why not make a little extra cash by selling them? College textbooks are some of the most expensive books you’ll ever find yourself buying, and they’re designed to be that way. New editions are constantly coming out to replace the old, which means you need to be quick about selling your textbooks if you want to fetch a good price. Many...

5 Tips to Help You Save on Air and Heating Costs for Your Home

@rild / Foter.com / CC BY-NC-ND Energy costs have been on the rise for years, leading millions of people all over the world to look for ways that they can save on heating and air conditioning at home. Staying comfortable indoors can be difficult, especially if you live in a climate of hot summers and harsh winters. Follow these 5 easy tips to start saving on air and heating costs by making your home more energy efficient. Insulate the Attic Think back to your elementary school science classes. Hot air rises above cold air, which means that your heat is...

Worst Five Reasons HSBC Profit Dropped After Money Laundering Fine

 The net profit of the global banking corporation HSBC dropped by about 17 percent in 2012, in comparison to the previous year because of many reasons. Chief amongst them are the hefty fine it had to pay to for money laundering case, as it squared off a large amount of bad debt, selling some financial policy in an in appropriate way and dropping of its share prices. The net profit of the biggest banking house in the year 2012 was about $ 14.03 billion, whereas in 2011 it rose up to $ 16.2 billion. Therefore, not meeting up with the...

5 Tips to Help You Save Money on Concert and Event Tickets

Caesar Sebastian / Music Photos / CC BY-NC-ND If you have ever been to a big concert or event, chances are that your ticket cost you a small fortune. Unfortunately, due to the rise of music piracy, more and more musical artists are getting their main source of revenue from touring and concert sales, which has jacked up the prices for ticket sale, sometimes 10 fold. Yet, there are a number of ways that you can find cheap tickets, inexpensively and legally. Here are 5 tips to help your save money on concert and event tickets. It is highly recommended...

Top 5 Tips for Negotiating the Price of a New Car

marcp_dmoz / Car Photos / CC BY-NC-SA Although the timing is not great to buy a new car, you might be surprised to learn that it’s an even worse time to purchase a used vehicle. If you’re scratching your head over this one, just consider that in a recession economy, people in need of a new vehicle are far more likely to go for a used car than a brand new one. And when the demand for used cars goes up, so does the price. However, the prices of new cars have remained relatively stable and many brands have started...

5 Things to Consider Before Investing in Life Insurance

Life insurance policies are popular safety nets for those who worry about the future. If something were to happen to you, would your family be able to handle the financial changes to come? Things as simple and standard as funeral expenses are placing large financial burdens on families everywhere. Some individuals, however, are looking at life insurance as an investment opportunity. If you’re considering investing in life insurance, be sure to ask yourself these important questions. Do You Really Need Life Insurance? Sales agents won’t tell you this in their pitches, but not everyone needs life insurance. You might have...

How to Get a Loan to Start a Business

Business loans are sometimes hard to get.  In fact, a bank could be leery of giving your business a loan due to the risk of not getting paid back.  You need to prove that your business is a successful and can turn a profit. Typically, you need to show cash flows and past performance to increase the confidence of a bank before they loan you any money. Before you do anything in regards to the bank, you need to create a professional business plan.  Showcasing your business and the strengths are two things that any business plan should include.  This...

5 Tips for Keeping Household Expenses Down

Most of us can’t wait to get off of work so that we can relax at home. That is, until we get our monthly bills in the mail (especially during extreme hot and cold months of the year), we have to go grocery shopping or there is an unexpected purchase for the house that needs to be made. Then all of a sudden, “home sweet home” has a bit of a bittersweet feeling. There is a remedy for that, though. If lately your household expenses have been more than you would like to pay, we have five tips to help...

Inexpensive Test Prep Program Options

When you’re preparing to go to college or enter into some kind of post graduate program, one thing that is required is the ability to pass a few tests. For high school students, it’s the SAT and ACT tests while for college graduates, it could be anything from the GMAT to the LSAT to the GRE (for starters). And while there articles out in cyberspace that advise not “overdoing it” when it comes to the amount of test prep courses that you take (because it can be hard to cram all that you need to know in just a few...

Inexpensive and Creative Ways to Makeover Your Backyard

A big reason why many people choose to invest their time, energy and money into a house instead of just simply renting an apartment is so they can redecorate without any limits. Your home is your castle, and you get to choose how the space develops when you hold the mortgage. One of the most important spaces of any home is the backyard. This is one of the things that makes homeownership worth it, a place where you can entertain almost every day, or just sit and stare and the natural beauty when it’s too cold to enjoy firsthand. But...

5 Ways to Improve Your Home That Increase Resale Value

Neil Kremer / Travel Photos / CC BY-ND If you’re someone who is strongly considering putting your house on the market, the news that you’ve read about the real estate market, along with any advice that you may have received from experts in the field, have probably given you the impression that while the market is not as bad as it once was, selling a house can still be a bit of an overwhelming task; especially if you want to be able to make a substantial profit from doing so. The good news is that there are definitely some things...

Creative and Inexpensive Valentine’s Day Gift Ideas for Him

When Valentine’s Day rolls around, the pressure can really start to feel like it’s on. It doesn’t matter if you’re a man or a woman, sometimes it can just be tough to remember to set aside some time to shop for your special someone. We all lead busy lives these days, and finding a few extra hours can be a lot harder than one might think it would be. Sometimes this isn’t even the problem. You might have plenty of time to go and visit all the retail outlets in your area, but you might also have a significant other...

How Independent Contractors Can Find Affordable Health Insurance

As more and more people are opting to do contract work, while there are many benefits that come with having the freedom to work from home (including having a more relaxed schedule), there are two major responsibilities that contractors have to stay on top of as well: paying their own taxes and finding affordable health insurance. When it comes to your taxes, it really is just a matter of making sure that you take out a certain amount (usually around 15 percent) for each check that you get, staying abreast of the deductions that you are eligible for and putting...

Graduate Degrees: Are They Worth the Cost?

These days, there are a lot of options that are available to you when it comes to your education. You can pick from a variety of different paths when it comes to the type of degree that you want to earn when you’re in college. For many students, though, this decision can get to be a pretty significantly overwhelming one. We are living in a time when the United States’ economy has definitely seen better days. Over the course of the last several years, many individuals have realized that they need to be seriously scaling things back financially. Similarly, many...

Why and When You Should Get Life Insurance

Having life insurance is not something that people deem very important in many situations. The monthly cost is minimal and can be managed by people with even the most meager of resources. Life insurance protects you from all of the costs that may come from a loved one passing away. When you are mourning the loss of a loved one extra stress is not something that one will want to deal with. When You’re Young Believe it or not, buying your life insurance should be one of the most cost effective investments that you can make. By purchasing your life insurance when...

5 Ways to Take a Luxury Vacation for Less

Who hasn’t dreamed of going on a luxury vacation at one point or another? Not only is it the opportunity to get some much needed rest and relaxation, but it can also provide you with a chance to see how the “other half lives” as you select five-star resorts, the finest of restaurants and places where you can be pampered throughout the entire trip. Now when it comes to the planning stages, the smart thing to do is to make sure that even if you take a vacation like you’re a celebrity that you don’t incur debt that you can’t...

5 Tips for College Students to Manage Their Money on Campus

When you’re in college, you’re usually pretty focused on your grades. It’s an important time in just about anyone’s life, and the grades that you earn while you’re working on your degree are going to have a huge impact upon what happens to you for the rest of your days. College can be a pretty big deal for most people, but it’s also usually a time when money is pretty tight. College students don’t typically have a lot of extra money lying around. When you do have some money in college, it can be tough not to spend it on...