Disability insurance can save your (financial) life
Most people do not think twice about insuring their car or their home, but many overlook protecting an asset that is arguably many times more valuable: their paycheck. If you're injured in an accident or faced with a debilitating illness, not only will you have medical bills, but you also could lose your ability to earn an income. That's why it's important to protect your paycheck with disability insurance.

Plan smart for your family's financial future
Few things in life trigger a sense of personal responsibility like having children. Part of that responsibility is ensuring both your own and your children's financial futures. However, a recent survey released by TD Ameritrade shows that many parents cite the expense of raising children as one of the top reasons why they have fallen behind in retirement planning. A good first step in getting back on track for retirement is determining what you need to do to secure your future, as well as your children's.

Smart household savings start in the laundry room
For many families, household budgets are still tight in the wake of the recession. But whether times are tough or not, it makes sense to save money wherever you can. There are plenty of small ways to start cutting costs. One of the best places in your home to start saving is the laundry room.

Tips to talk money with your children
Kids are constantly bombarded with information from all directions on every topic imaginable - except how to manage money. Parents want to educate kids about financial responsibility, a survey shows. Here's some advice on how to do that.

Accountants are needed to keep businesses afloat
As the economy continues to recover, an increased emphasis will fall on the accountability, transparency and responsible financial management of businesses large and small - putting accountants and auditors more in-demand than ever before.

A sustainable bathroom saves water and money
With so many products claiming to be green these days, it's hard to know which ones are the real deal. A great indicator for certified sustainability in the bathroom is the WaterSense label, which is granted by the Environmental Protection Agency (EPA). By learning how (and which) products meet the criteria, you can easily incorporate the best - and most eco-friendly - products into your bath.

Protect your family's home, even after you are gone
Caring for your family is something you do every day of your life. But there might come a time when you won't be available. Mortgage life insurance is a life insurance product designed to help your survivors pay your mortgage after you pass away.

Ten tips on how to be a good neighbor - and avoid lawsuits
Treating your neighbor as you would like to be treated is wisdom that is thousands of years old. And it may be more important than ever in today's litigious society where a growing number of Americans - nearly 80 percent - live side-by-side in urban and suburban areas, in many cases separated only by a wall.

The environmental benefits of soft water
When you think of soft water, the first thing that probably comes to mind is lustrous, easy-to-manage hair. Another benefit is washing clothes in the water leaves them softer and saves a significant amount of detergent. Best of all, when cleaning, you don't get that ugly bathtub ring. By eliminating hard water minerals, you can see health and cosmetic benefits as well as reduce the maintenance costs associated with scale buildup in home plumbing.

Simple steps to calm the financial jitters
Got a case of the financial jitters? You're not alone. A recent survey of 1,000 American adults by Thrivent Financial for Lutherans and "Kiplinger's Personal Finance" magazine found that most Americans are still struggling with or worried about their finances.

A bad credit score doesn't end car loan and credit opportunities
Americans rely heavily on cars and credit cards, and when a credit score gets in the way of obtaining one or both of these items, it can make life difficult. It's no surprise that you should maintain a good credit report. But with the recent economic decline, you might not have a sterling report any longer. Still, you should know what's on your report so you can work toward improving it.

Easy ways to find more time in a day
You love your free moments, and having more of them in a day is vital to enjoying life. So here are a couple of time-saving tips you can adopt to give you a bit more of that precious free time.

As the 2010 Census continues, it's still important to protect your identity
If you haven't already mailed in your 2010 U.S. Census form, you should expect a visit from a census taker very soon. The law mandates that everyone complete and return the forms, but you should know some things about protecting your identity during census time.

Layaway lets buyers plan ahead for purchases - from back-to-school season to the holidays
In decades gone by, layaway was a staple for budget-conscious customers in retail stores across the country, but its popularity waned as credit cards became more available and consumers sought alternate finance methods to buy clothing and necessities. With household budgets tighter than ever due to the recent recession, layaway is once again emerging as a viable shopping tool.

Tips to help reduce debt
When you have debt, eventually it starts affecting your life. If you're unable to pay bills, creditors start calling, you're unable to sign up for credit cards or apply for loans because your credit score has dropped - it's time to re-evaluate your finances and see what options are available to you.

A few things that may make your auto premiums go up
The next time you get an auto insurance (http://www.allstate.com/auto-insurance.aspx) bill in the mail, pay close attention to the premium you are charged. Has it gone up significantly since the last time you received a bill? If so, you may be able to do something about it.

Smart online shopping tips to save Moms time and money
The average American mother spends nearly an hour a day purchasing products and services and more than two hours a day on household activities like housework, according to the Bureau of Labor Statistics. Clearly, streamlining tasks like shopping can help mothers save money and make their lives easier.

Need money for college? Follow these tips
Even though the economy has slowed down, college applications are up. Many people are enrolling in undergraduate programs or going back to school for an advanced degree. There is money out there to help you pay for tuition and room and board -- you just have to find it. Here are some tips.

Life insurance considerations for empty nesters
Once your children have left the nest, a lot of things will change. You will find your grocery list looks a lot shorter, your electric bill a lot brighter and your water bill requires fewer liquid assets to pay it each month. But what does that mean for your life insurance?

Job opportunities for college graduates in financial services are growing
Job opportunities are increasing for students graduating with a degree in financial services, according to the U.S. Department of Labor. Job growth for auditors and accountants is expected to increase faster than average, and according to a March 19 Wall Street Journal article, opportunities for financial services' most venerable occupation - the life insurance agent - are also on the rise.

Maximize rental profits by balancing corporate and vacation tenants
Landlords don't have to choose between marketing their property as a vacation or corporate rental. Rather, landlords of furnished properties can service both markets and capitalize on seasonal and economic trends.

'Social savings' - Shoppers unite to find great deals
While the negative effects of the economic downturn continue to dominate the headlines, a silver lining has appeared in the midst of monetary misery - lower taxes, a decrease in personal spending and a slight increase in individual savings. And, because misery does indeed love company, we've witnessed the rise of a relatively new phenomenon - the era of "social savings."

Five tips for cutting your kids' hair at home
Cutting your kid's hair at home is convenient and saves money. In fact, a majority of people say they are confident using a hair clipper in three haircuts or less, the same amount of time it takes for the clipper to pay for itself. Also, a family of four can easily save $500 annually when three or more family members cut their hair at home. Here are five simple tips from WAHL to use with your kids.

Weighing the costs of walking away from an upside-down mortgage
Owing more on your mortgage than your house is worth may seem like a bad investment. But the alternative - choosing to default on your mortgage even if you can afford the monthly payments - will take a significant toll on your credit rating.

Tips to dress your tot without breaking the bank
Many new parents find the cost of keep their little ones comfortable and stylish can add up as quickly as the cost of diapers and formula. Budget-savvy parents should look for clothing sources that offer both durability and affordability.

College-bound? Do your homework on insurance
If you or your child is college-bound this fall, don't forget to review your insurance. Doing your homework now could save you money and headaches in the future.

Six tips for buying life insurance
Buying life insurance for the first time can be a daunting task for anyone. Luckily, there are several time and money saving tips that a person can utilize while buying life insurance.

How your credit card or debit card can protect you during the upcoming travel season
If you thought that your credit card and debit card were simply convenient ways to pay for things, you might be underestimating all the features they offer. Chances are both your credit and debit card come with a range of protections and services that could save you time, hassle and money.

Effortless ways to conserve water in the home
The summer months are right around the corner, and water conservation will undoubtedly be brought to the forefront for those who are impacted by seasonal droughts and water usage restrictions in their towns. It seems to be abundant, but water is a relatively scarce resource. Less than 1 percent of the world's fresh water is readily accessible for direct human use. Here are a few tips that you can follow to reduce your water consumption in the bath.

Five bank fees you should stop paying
Irritation with unnecessary banking fees is the No. 1 reason consumers switch banks, according to a recent survey. If you're paying these five fees, it's time to look for a bank that doesn't charge them.

Six things to know before you buy a credit report
If you need to buy a credit report, there are many websites out there to choose from, but you must be careful; not all of them are effective or even legitimate businesses.

Choosing a bank that's right for you
The banking landscape has changed dramatically over the past year and a half. And whether you've been a banking customer for 30 years or are just looking to open your first account, you may find that choosing a bank - or knowing if you're with the right bank - is more difficult than ever.

Parents seek ways to protect their investment in a college education
Soon, millions of parents will send their children off to college for the first time. As the car pulls out of the driveway, they will reflect with nostalgia as their children embark on the next adventure in their lives - while they are acutely aware of how much of an investment they are making in their education. But what if, mid-semester, your son or daughter becomes ill and has to leave school?

Cut college costs with 2010 tax breaks
Financing a college education in the 21st century is no small feat. According to the College Board, the average cost of tuition and fees at a four-year private college for the 2009-2010 academic year was $26,273 and $7,020 for a four-year public university. Add several thousands more for room, board, books and supplies. Fortunately, students, parents and graduates can get some of that money back on their 2010 federal tax return.

What you should know about credit before you go car shopping
Before you set foot on a dealer's lot or peruse the auto section of the newspaper, take these steps to ensure you're in a position of power when it comes time to negotiate your auto loan.

Tips for travelers to thwart identity thieves
You're not the only one looking forward to your vacation or business trip. Identity thieves relish your travel time too, because your vital, personally identifying information may be more exposed when you're traveling than when you're at home or work. Before you head to the airport or start out on your long road trip, take some precautions to safeguard against identity theft - even when you're not at home.

Why your credit history matters to insurance companies
Do you have bad credit? If so, it's unlikely to get around the fact that it's going to impact more than just your ability to get credit cards. Your credit history offers potential employers, banks and even auto insurance companies a snapshot of how safe or risky you are to employ, rent to or insure.

Five insurance discounts you should know about
Think you're paying too much for auto insurance? You're probably right.

Four important steps to take before purchasing your next vehicle
Despite the economic hardships the auto industry has faced, financing a vehicle is still possible. Once you've researched reviews and valuations, and decided on the vehicle you want to buy, consider these four tips.

What every senior should know about identity theft
The very qualities that make some seniors feel safe - a tendency to not use credit much, operating on a cash basis and avoiding technology - make identity thieves view seniors as very appealing targets, credit experts warn. Here are some steps seniors can take to protect themselves.

Five fabulous finds that won't put your kitchen budget on the chopping block
No matter if your cooking style is elaborate like Julia Child or quick and simple like Rachael Ray, there are few items in your kitchen that you shouldn't live without. Add these five affordable finds to your kitchen and you'll be cooking with class in no time.

Designing with natural light: Good for your health and your wallet
Nowhere does the green movement and uplifting design meet and marry better than in the concept of "daylighting" - bringing natural light into a space to both brighten it and reduce dependence on electric lighting. Decorating and designing with natural light is not only energy efficient, but psychologically beneficial as well.

Five tips college students need to be credit card smart
Going to college is, for most students, the first time they'll feel really independent. And, accordingly, the rest of the world starts treating them like adults too, from the expectations of college professors to the credit card offers that will start flooding in. And just as it's important to study hard for a major, it's essential to learn what are the real benefits and repercussions of having a credit card.

Five things small businesses can do to make marketing pay off
In shaky economies, companies that invest in their marketing often come out on top. But for small business, making these investments often feels risky. Not only are time and resources tight, many small business owners feel they lack the knowledge to make the marketing choices that provide a return. In fact, figuring out "what works" is the top marketing concern for nearly 80 percent of small business owners.

Do you pay more for auto insurance than your friends do?
Best friends compare notes on a lot of things: husbands and wives or boyfriends and girlfriends, kids, how they are doing financially and what they are paying for auto insurance.

Cuts on campus: Will students go online?
New York. Michigan. California. Georgia. All across the country, there's been a steady drumbeat of announcements detailing grim cuts to public higher education budgets at the state level. No institution is completely immune to hard times, but many land-based campuses are struggling to deal with the fallout from the recession while online education outlets continue to grow.

Build up your savings account for the future
As the manager of your household's money, you're always trying to find the best ways to save for your family's future - maybe for retirement, college tuition, home remodeling, medical expenses or just a few fun trips you'd like to take.

Three tips to make your utility meter run backward
(ARA) - What would you do with an extra $2,200 per year? That is the annual energy bill for a typical American home, according to the U.S. Dept. of Energy (DOE). Dramatically reducing that cost, or even selling power back to the utility company, could mean having enough money for a vacation, a down payment on a car or a boost to your child's college savings.

Ways to keep insurance rates lower for young drivers
If you have a teenager approaching driving age in the house, hold on to your wallet. The cost of adding a teenage driver to your policy will run you anywhere from an extra $500 to $3,000 per year, according to Lease.com.

Which sites leave you vulnerable to identity theft? How to stay safe online
Protecting your identity online is a vital responsibility of any Web user, although many people don't realize the ways they're making themselves vulnerable. Here is a list that includes types of sites that may make you more exposed to the dangers of online crime.

Shopping tips to save big on back-to-school supplies
The back-to-school lists mean one thing - it's time for parents to start shopping. But shopping doesn't have to mean you spend every cent you have in your pocket.

How your tires can save you money: the secrets of low rolling resistance
In the world of tires, "low rolling resistance" is a lot like health care. It's a topic that affects nearly all adults, but the majority of consumers are not very well versed about the subject.

Overwhelmed by debt? Know your options
If you find yourself in a financial hole you can't get out of, it's important to know you have options. Being in debt can cause people to continue to make payments that they can't afford or can barely afford without much hope of ever eliminating the debt. If you find yourself in this position, there are a few routes you can pursue to free yourself from overwhelming debt.

In today's economy, is there a need for a wedding planner?
Weddings can be one of life's biggest expenses. In the current economic climate, it's no surprise that couples are looking for ways to cut down the costs. But hiring a wedding planner may actually save you money and time in the long run.

How to spend wisely this summer when traveling
Whether hitting the road, taking to the skies or staying close to home this summer, being a budget-wise traveler is easy when you keep a few tips and smart strategies in mind.

Escape from winter's chill in your warm house
When the deep winter chill hits, the last thing you want to do is shiver inside your own house. But that frequently happens when drafty attics, fireplaces, leaky windows and open vents allow cold air to enter your house and have you hiding under blankets and heavier clothing. And not only are you shivering, you're probably spending a lot of money attempting to keep the temperature at a comfortable level.

Work out your credit to get financially fit this summer
Just as you take care of your physical health in preparation for summer fun, you need to pay attention to your financial well-being as well - and not just when the weather's warm, but all year round.

Overdraft fee changes are on the way
There are new regulations going into effect this summer that could change the way your bank charges overdraft fees for debit card purchases. Are you ready? Officials hope the changes will help consumers avoid unexpected fees, but even after the new government rules go into effect on July 1, many banks will continue to charge a fee if you opt in to their overdraft service. It's important to know how these changes might affect you and your money.

Lower summer cooling costs with a do-it-yourself project
When it comes to do-it-yourself projects that will save money on energy costs, many new products on the market make it possible to save hundreds of dollars over time, with just a few hours of easy installation. Few of these products come close to the long-term benefits of installing a radiant barrier in your attic.

Five steps to ensure a health crisis doesn't mean financial ruin
A serious long-term illness or disability can have a devastating, often irreversible, affect on a family's financial well-being. In fact, health care expenses are among the most common cause of bankruptcies, according to findings published in the "American Journal of Medicine" last year.

Four smart home and auto insurance tips for seniors
Saving money is important, especial for senior citizens. And seniors may be going through some life changes. There are four simple insurance tips that can help ensure you're adequately covered and getting all eligible discounts.

Creative fundraising helps to keep schools strong
Times are tough, as every parent is keenly aware. But while everyone knows how the economy is affecting household budgets, families with school-age kids are feeling an extra crunch that is being put on their children's schools.

Money expert's free webinar offers advice for becoming financially comfortable
Do you still hold on to the part of the American Dream that says you can do more than just "get by," you can also get ahead? You can get financial advice to support your belief in the American Dream in an upcoming free webinar.

Auto insurance coverage you may not know you have
You know that you have auto insurance, but do you know how you might be covered if you got in an accident or something happened to your vehicle? Because of the variety of options available when insuring your vehicle, you may not be aware of exactly what your policy really covers.

The 'keys' to homeownership
"It's a buyer's market" is a popular headline right now. It's one that's hard to ignore, especially if you're a young adult or even a long-time renter who has been waiting for the right time to pursue the American dream of owning your own home.

Personal branding: A new focus in job searching
Career development professionals are creating new strategies to help clients increase the chances of getting noticed among the throngs of job applicants vying for positions.

Classic car - what kind of insurance do you need?
Do you have a muscle car in the garage? Or maybe an older model Mustang, Corvette, Volkswagen or Cadillac? If so, what are you doing about auto insurance for your classic car?

How CDs can benefit your financial planning
The economy might be doing a little better, but many families are taking a conservative approach to investing money. And planning for the future - retirement, educational expenses, a new car or house or maybe a long-anticipated vacation - requires careful strategy to make sure you have the money you need, when you need it.

Teach your children about good money management
Children learn the basics - math, English and science - at school. But when it comes to learning about saving and spending money wisely, the lessons begin at home.

Savings heat up with solar-powered water heaters
Thanks to the federal tax credit program, you can recoup 30 percent of the total installed cost of a solar water heating system. It's a great time to switch to solar power for your water heating needs. But before you buy a solar water heater, do your homework, learn about the technologies available and review just how solar-friendly your home can be.

Smart ways to save money on summer home improvement projects
With summer in the air, you're just itching to get that home improvement project going. It's a great time to install a rain garden, improve storm-water runoff in your yard, redo your windows or siding, or even change the look of one of the rooms inside your house with new paint and furniture.

Helping Asian Americans reach their retirement goals
The financial downturn has affected most Americans in some way, and Asian Americans are no exception, a new survey reveals. In fact, eight out of 10 Asian Americans polled by Prudential Financial, say their savings and investments have been negatively impacted in recent years.

Is going green worth it?
You've stopped buying bottled water, opting instead for a reusable bottle you carry everywhere you go. When you go shopping, your list leans toward the organic and recycled. But when you get home, going "green" seems a lot more daunting.

It might be time to re-evaluate your car insurance coverage
Paying too much? Just bought a new car? Had the same insurance forever? These are just a few reasons you may want to consider re-evaluating what type of insurance coverage you have on your automobile.

Be careful when considering cutting costs on your car insurance
It's never a bad idea to shop around for a good deal when buying auto insurance, but the phrase "buyer beware" should still apply as you look for bargains.

What you need to know to improve your vehicle's longevity
There are a number of car care considerations that can protect the performance and longevity of your vehicle, beginning with motor oil - your vehicle's life blood.

Rising gold prices make protecting your gold essential
Has your jewelry box become a treasure chest? No matter why you possess these metals, your passion (or investment) has recently reached a peak in value. But if something were to happen to that collection, would insurance cover the current value?

Easy ways to take advantage of solar energy at home
While installing a complete residential solar energy system can be cost-prohibitive for many homeowners, recent technology that integrates solar power with individual household appliances is making it easier for homeowners to harness the power of the sun without breaking the bank.

Gas-saving tips from the pros
In today's economy, consumers are more cost-conscious than ever. The following advice is from the pros at ASE, who note that these tips will not only save gasoline, they'll help extend the life of your vehicle.

Disney Star Demi Lovato offers her tips for teens to channel their inner rock star
Teen fashion trends come and go, but one look that's always in style is wearing your personality on your sleeve . . . or pant leg, or shoes. According to Demi Lovato, Disney Channel star and number one selling Hollywood Records artist, a true rock star look begins with wearing whatever showcases your unique personality and allows you to feel confident from head to toe.

Five ways to save money on your next road trip
Are you among the millions of Americans planning a summer road trip? If so, you may be traveling to your destination by car instead of airplane to save money. But road trips can become stressful if you are on a tight budget.

Must-have insurance information for new homeowners
Once the excitement of buying a new home begins to subside, the reality of protecting that home from the unexpected needs to be addressed. A home is likely to be your biggest investment ever.

Nonprofits leaning on individuals and corporations in tough times
A new study released by the Corporation for National and Community Services reported that the number of volunteers in America rose 1.6 million in the past year. The dramatic increase ultimately demonstrates that people are contributing to their communities at an increasing rate, even during financially challenging times.

Savvy investors lead 21st century gold rush
The term "don't put your eggs all in one basket" makes perfect sense when talking about financial investments, and after the recent stock market plummet, many families are realizing why they need financial portfolio diversification.

Tips to help you save money and the environment
Spring is here, and after the long winter many people are taking the opportunity to do some much-needed maintenance to their homes, lawns and gardens. While you are pulling together your "honey-do" list, consider making some eco-conscious or green changes, which will help you shrink your carbon footprint and save money.

Tips to help you become a savvy health care shopper
The weather has warmed up. The flowers are blooming. The vacation plans are made. Summer is here. And even though it is almost time for you to choose health benefits for the coming year, there is still plenty of time to make the most of the plan you have now and maximize its value to you and your family.

Take a lesson in history when buying a used car
You may have heard about vehicle history reports and you may already know that they are a good idea, but are they really worth the money? And once you buy one, how can you be sure you understand all the information on it?

Simple fixes that will make your kitchen feel brand new
When it comes to your kitchen, details make all the difference. It's often the most used and best-loved room in the house, so having a room that meets your needs and expresses your personality is key. If your kitchen's design has been frustrating you by creating clutter and giving your home an out-of-date feel, it's time to make some changes.

Family budgets stay on track with new and convenient coupon sources
Collecting coupons remains to be one of the best ways for families to save on everyday expenses - from cleaning supplies and health and beauty items to food and paper products.

Small businesses get credit boost from new fund
With many traditional credit sources continuing to keep a tight rein on lending, many small business owners simply do not have access to conventional means of credit. The good news is that small business owners are increasingly able to access alternative and innovative sources of financing, including Community Development Financial Institutions (CDFIs).

Women's finances: Embrace the power of the purse
Every woman should have a healthy relationship with money, but the reality is that many women still heavily rely on men to handle their finances. Now is the time for women to break out of the traditional role and take action to gain financial independence.

Tips for newlyweds to talk about money
Before you walk down the aisle, having a conversation about finances and credit can help ensure a future of wedded bliss, with minimal disagreements over money. Transparency over finances builds trust in a relationship.

Low water flow leads to high satisfaction and savings
In the United States, Americans consume 3.7 billion gallons of water every year that are not replaced, leaving a huge water deficit - a result of growing demand on finite water supplies. In fact, at least 36 states are anticipating local, regional or statewide water shortages within the next five years. Everyone has the power to change the water equation in the United States and put more money in their own pockets, while helping hydrate the planet.