personal finances

A credit rating is a simple number which many lenders use to determine whether or not they will give a loan or line of credit to an individual. Read more…

Lower rates and falling house prices are making home ownership more affordable to potential home buyers. For instance, house prices fell 18 percent over the 12-month period ending in October, 2008. Read more…

Many financial gurus, websites and blogs have pointed out individual stocks that are good to invest in for 2009. Most people follow that when they select an individual stock. That’s fine and dandy. However, Read more…

New York Times online ran a story about No Furnaces but Heat Aplenty in ‘Passive Houses’ by ELISABETH ROSENTHAL Published: December 26, 2008. Read more…

The following are steps you can take to protect your identity and data on your desktop as well as laptops. Read more…

Reuters.com ran a story GM, GMAC ease lending rules to entice car buyers by Jonathan Stempel and Kevin Krolicki on Wed Dec 31, 2008. The article states that “GMAC modified its credit criteria so that it could lend to a wider range of potential customers, two-and-a-half months after significantly curbing lending.” Read more…

Your laptop has become your primary computer especially now that in 2008, for the first time ever, the sale of laptops has exceeded that of desktops. Read more…

We are all too familiar with phone calls, letters and emails requesting to “update” or “confirm” our personal information. Obviously, you have access to the Internet, do some research or call directly your bank or credit card issuer. Read more…

If you have been laid off at an older age - 50 and above - or still working but have been averting your eyes from the depressing headlines about the economy, it’s time to face reality. Read more…

Unemployment at 6.7% is at a record high since 1993. Many people have given up even looking for a job. Whether you have recently been laid off or have been searching for a while, there are some websites and online resources that can help you find the job you want. Read more…

Almost all job experts agree, the best time to look for a job is when you already have one. In cases when you are not certain - and you can never be certain - where your company is headed or just plain old unhappy in your job, there are plenty of sites that let you see what’s going on elsewhere without launching a proper job search. Read more…

These websites include Federal jobs, retirement jobs, overseas jobs, freelance jobs. Read more…

Each website has list of jobs that has nature a specific field. Read more…

Diversity jobs online websites are massive databases that list jobs in pretty much every field. They can serve you in two ways: Read more…

There are two major types of credit cards - secured credit cards and unsecured credit cards. Read more…