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In today’s economy, prepaying a mortgage might not seem like a good idea. After all, most people are trying to save money, right? Why would you want to pay even more on your mortgage than you already owe every month? Well,...

pBy next spring, two of three credit reporting bureaus will use a new model. Fair Isaac, the developer of FICO scores, has made the biggest change to its mathematical credit score model since it was introduced in 1989. Scores...

Have you considered starting a small business? This weekend my partners and I opened a small neighborhood grocery store. 1. Know Your Strengths and Weaknesses The four of us behind the grocery store had several discussions about...

An old axiom warns investors not to “catch a falling safe”, a reference to the fact that a falling stock is not always a bargain. For every solid company whose stock is experiencing a temporary downturn, another is...

Bernard Madoff pulled a shocker last week by revealing that his exclusive investment securities firm was actually the biggest Ponzi scheme in the history of mankind. As the impact of Madoff’s decades-long crime...

So you’re ready to get your Web site built and you want to hire someone who can do the job right within the budget you have. You decide to try outsourcing to find a programmer. Often the idea of outsourcing is equated with...

What do you do if you don’t have the money to pay a debt? If you are like most of us, you borrow. The US Government is no different. In order to pay for the $700 billion bailout, it will have to borrow more money,...

2009 Budgets are in and for many who oversee the Operations and IT Budget, you are probably challenged to reduce your capital budget by at least 40% lower than what you originally put in. As the pressure to cut continues, you...

Mortgage refinancing activity has surged in recent days as homebuyers rush to take advantage of suddenly plummeting loan rates. The frenzy to find a new loan began when mortgage rates suddenly dropped in the wake of the Federal...

Charitable giving of money, time, or donated items is a time honored way of helping others. In 2006, the USA gave about $295 billion to charity ($223 billion by individuals), up 4.2 percent over 2005 levels. While charitable...