With a little work and using the following websites, you may be able to get the lowest prices when shopping online. Some money saving sites: EBates.com enables consumers to earn cash back when they buy from any of more than 2,000 online shopping sites. Before buying anything online, check to see whether EBates has a  … Read More

Reverse mortgages are loans that let borrowers who are 62 or older draw on the equity in their homes. These loans come with fees and compounding interest. Some homeowners mistakenly believe the money does not have to be paid back. Homeowners can receive funds in a lump sum, monthly payment, or as a line of  … Read More

If both parties agree that their marriage is irretrievably broken and there are no economic issues, there is a 90 day waiting period. However, if both parties do not agree that the marriage is irretrievably broken, the waiting period has been changed to one year. This change in the law went into effect in October,  … Read More

Executors have a legal responsibility to act in the best interests of the estate beneficiaries and can be sued if they fail to do so.   Important things to know:   -Do not commingle your personal assets with the estate assets. -Make sure to open a separate estate account to deposit assets of the estate  … Read More

Lenders treat student loans as your own debt. This may inflate your debt to income ratio so that you will not qualify for better interest rates until the entire student loan is paid off. Do not agree to co-sign a student loan if you intend to refinance your mortgage or take out other loans in  … Read More

If the court has ordered you to pay child support and you lose your job in that timeframe, you should immediately notify the court and ask for a reduction in your required payments for child support, since it could take months for this to be decided and changed by the court.   In the meantime,  … Read More

Homeowners Insurance. Believe it or not, accumulating points for moving violations can increase your homeowner’s insurance rates. Insurance companies have studied the connection between poor driving habits and home maintenance. They have found that people with multiple points, take less care of their homes. Auto Insurance. Your driving history is one of the main factors  … Read More

Moving. If you need to hire a moving company, make sure to get quotes from three companies, don’t just go with the one that is cheapest. Watch for additional fees that raise costs, such as packing, unpacking, travel, etc. Get your own cardboard boxes from stores willing to give them away for free. Be wary  … Read More

First, get a free credit report at www.annualcreditreport.com or call 1-877-322-8228. You can request one free credit report from each of the three major credit reporters, once a year. So, you don’t have to pay for your annual credit reports. Do not contact the three nationwide credit reporting companies individually. Make sure to check all  … Read More

In Pennsylvania, a drop in your credit score could result in non-renewal of your homeowners policy or result in a dramatic increase in your premiums. Insurance companies have determined that there is a connection between credit worthiness and the number of insurance claims a homeowner makes. They believe, the better the credit, the fewer insurance  … Read More