In 2006, there were approximately 47 million uninsured Americans. 

Considering the significant number of lost jobs and the current housing crisis, you can imagine how much that number has grown. 

Among those who have to pay for health insurance on their own, it's not uncommon for the health insurance bill to be ranked very low on the list of monthly bills that have to be paid.  After all, it makes more sense to put the immediate need (to keep a roof over your head) first, as opposed to paying for unforeseen expenses (like hospital or doctor bills). 

If you're self-insured (which means you pay for health care expenses out of your own pocket as they arise; also called "self-pay"), or you're uninsured (which means you haven't gotten around to signing up with a health care provider and paying the bills yourself, rather than your employer paying for health insurance for you), then you are most likely under the assumption that you will be able to cover whatever health care costs might arise -- if and when they occur. 

Here are some reasons to think twice about this strategy...

Health Savings Accounts (HSAs) are a relatively new idea. They were started in 2003 by President Bush in an effort to help individuals save for medical expenses on a tax-free basis. 

My family used a Health Savings Account one year. Here are some thoughts about HSAs...

Your neighbor across the street has taken down their For Sale sign and avoided foreclosure because the bank has re-aged their loan after they lived mortgage-free for 5 months.

Your next door neighbor tells you that the bank is lowering their interest rate because they could not make the payment on their adjustable rate loan.

Meanwhile, you have struggled to make your house payment each and every month, and now can't help but feel jilted by your bank.

What recourse do the people who are paying their home loans on time have?...

Is saving money part of your New Year's resolution? Do you want to get your personal finances back on track this year?

I've listed 10 ways to take better care of your finances so that by the start of next year, you'll be in a better financial position.

There are several choices that you need to make when choosing your Auto Insurance coverage. Make sure you understand the coverages that are available to you and make an informed decision on what you carry.

Do not only rely on your insurance agent to make all the recommendations. Here's what you need to know.

Insuring a young driver on your automobile insurance can be very expensive if you don't know a few of the tricks.

For those of you just finding out, this may cost you upwards of $150 - $200 per month even with standard big name carriers.

There are a few things you can do to minimize the cost of adding a young driver to your policy.

Although there are several added expenses involved in purchasing a home, some of these expenses are tax deductible on your return. Expenses such as Mortgage Interest and Private Mortgage Insurance help reduce your taxable income on your return.

We'll discuss these different types of expenses and how to take advantage of it.