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Home & Mortgage

Homeowner's insurance is definitely something that every household needs to take seriously!

How many times have you read about some poor family who let their insurance lapse -- only to have their home burn to the ground? Experiencing a home tragedy of any sort can be a guaranteed trip to financial ruin... if you don't have a good homeowners insurance policy in place.

With construction costs continually rising and prices for home furnishings climbing just as fast, do you have enough replacement coverage on your home to replace what might be lost in a fire, flood, or home break-in?

How about personal injury? With medical costs skyrocketing, an old policy with a low coverage ceiling could leave you holding the bag when the neighbor kid gets injured on your property.

And don't forget, flood Insurance is not a normal part of your typical homeowners policy. This video shows how scary rising waters can be after days of heavy rain:

Thankfully, the process of getting an up-to-date home insurance online quote these days is easy... and quick.

Yep, the Internet can lead you to the best deal around without ever leaving your house!

Here are tips for finding home insurance quotes online...

Did you know?... First time homebuyers can get up to $8,000 in the form of a tax credit from the U.S. government. And you don't have to pay it back!

Hopefully this will provide an added incentive to get people house hunting again.

So... who exactly qualifies? How does it work? How do you take advantage of this incredible tax credit?

There are times when making use of a hotel for periods longer than, say, a week would make sense.

Whether it be because of employment circumstances, moving, or even an extended vacation, an extended stay at a hotel or motel may be just the answer you're looking for when it comes to finding a cost-effective solution to your housing needs.

The big question becomes: are extended stay hotels a practical option?

The rising price of home heating gas and oil in an already tight economy has people scrambling to cut costs this winter. 

Most people are aware of basic home winterizing tips that will keep your house safe and airtight throughout the winter months. 

Check out this Guide To Winterizing Your Home for tips that range from having your furnace and fireplace serviced to winterizing windows and doors, to making sure your plumbing doesn't freeze.  

Beyond typical winterizing, here are some things you can do to boost your energy and money savings during the winter...

Whoopi Goldberg asked on The View: 

If the government can bail out AIG, why aren’t everyone's debts also canceled?

It's a good question, but is it a good idea?

When you play the stock market, the key to success is to buy low and sell high. 

According to Investopedia, if you understand stock market cycles, and you time your investment accordingly, then you will earn more money than you lose. 

Smart investors who recognize the different parts of a market cycle are more able to take advantage of them to profit. They are also less likely to get fooled into buying at the worst possible time. -- Investopedia

People who take a chance in the stock market are warned against panicking in times of economic downturn.

According to MSNBC, "Investment experts warn that a period of major stock market volatility is no time to make rash decisions."  In fact, they recommend that you take the time to reassess your past decisions in order to avoid market queasiness.

It seems that people now playing the house market in a way that is very similar to playing the stock market.

As I read an article on a Seattle News website about the money squeeze that seniors face, I couldn’t help but wonder why these seniors don’t move in with their adult kids. 

I realize that I recently wrote about how adult kids living with mom and dad can put a drain on the parents'  retirement. But if you turned the situation around, it could actually be quite advantageous for parents to move in with their adult children.

Extended families are good for finances...