Did you know if you are on unemployment you can save up to 20% on certain items at K-Mart? All you need is a valid state identification card. Visit http://www.kmart.com/shc/s/dap_10151_10101_DAP_Unemployment+Program to sign up now!

Did you know the Homebuyer Tax credit has been extended? Qualifying first time home buyers have until April 30, 2010 to purchase a home and receive the $8,000 tax credit on their 2010 taxes.
In addition, the extension provides a tax credit of $6,500 for families who have already owned a home. In order to qualify, [...]

Life’s expensive. That’s why, if you make less than $48,279, it’s smart to find out about the Earned Income Tax Credit.[1]
One of the largest benefit programs for working families is also one of the most overlooked. It’s called the Earned Income Tax Credit (EITC) and, as the name implies, it’s for people who work for [...]

Quick tips that can help you manage your credit effectively so you have the credit you need when looking for employment, purchasing a home or simply want to make sure you qualify for the best rates for any loan.

Every year between October and December, retail sales on home decorations, food and gifts increase and so does the amount people owe on their credit cards. This year, keep your money in your pocket by going on a spending diet.

Two years ago, someone with a 600 (poor) credit score could qualify for a mortgage or car loan. Now, reputable lenders will not even consider lending to someone with a score below 700. There is good news though, there are ways you can improve your “loan-ability” in the eyes of lenders and possibly get that [...]

Everyone knows if you don’t pay enough in taxes throughout the year, you may end up owing money when you file your taxes. On the other hand, if you pay too much in taxes, you’ll receive a refund. Refunds are always fun, but for some having that money now would be more beneficial.
You can check [...]

Raise your insurance deductibles: If it is viable for you to do this, your premiums will go down and you can save the difference!

We often hear from clients struggling to deal with debt collectors seeking repayment of debts incurred by deceased relatives. This article, from the Federal Trade Commission, outlines your rights and responsibilities when faced with this situation.
FTC June 2009
Paying the Debts of a Deceased Relative: Who Is Responsible?
After a relative dies, the last thing grieving family [...]

As you plan for the future you may find that a lower mortgage payment would provide more financial security.  One way to achieve this is to purchase points. For many people, determining the cost or savings of mortgage points on a loan may seem like complicated business but understanding when to buy them is really [...]