One of the simplest methods to reduce your bills is to call your service provider and ask for a lower rate. It doesn’t always work, but there’s no harm in asking — and if you can convince the rep you speak with that you’re considering canceling, there’s a pretty good chance that they’ll be able [...]

The Credit Cardholders’ Bill of Rights Act of 2009 passed in the Senate last week and it’s just waiting on the President’s signature to become law. Because it’s a bill that has significant support, that signature will not be long in coming. When the bill becomes law, there will be some pretty major changes in [...]

Over the last month, I’ve gotten a stack of graduation announcements in the mail — and I’ve even attended a graduation or two. Some are high school graduations, some are from college and some are from graduate school. But no matter what level a person graduates from, there’s a certain sense of wondering what comes [...]

It’s a rare situation that you can afford to be without home insurance. Most mortgage lenders require home insurance as part of the terms of a mortgage, and even if you own your home free and clear, insurance can be the easiest way to safeguard your investment. But home insurance isn’t exactly cheap — especially [...]

I opened up a can of worms with a friend a while back: every month, rain or shine, she puts away money for her daughter’s college education. It’s the first place she puts any portion of her pay check. It’s great that she’s really devoted to a savings goal — but lately there have been [...]

In the last week, I’ve received emails from just about every person I know who works in real estate. They all want to remind me that if I buy a house this year, the government will give me $8,000. My dad even called, telling me that he didn’t want me to miss out on this [...]