If you’re looking for a solution to your debt problems, the most important thing is to find the right solution. Some debt solutions are suitable for big debts; others for small debts. (And ‘big’ and ‘small’ mean different things for different people, depending on their overall financial situation.)

Roth IRAs are really easy to setup, there are a few things that are important to square away prior to opening and funding your Roth IRA. Make sure you have a liquid emergency fund (in a bank account etc.). Why do I recommend this? Because I live and die by the belief  “once money goes [...]

When someone in your office retires it is usually best to get them a group gift from everyone in the general area(or from the office if it is a rather small group). A retirement gift basket is a great gift because it is fairly easy to customize for what the person retiring links. If he [...]

Recently I went to lunch with a friend of mine and the discussion of personal finance and health came up.  We actually at the time discussed two different items “personal finance health” as in the health of your finances and then “personal finance and health” as in how you financial situation can affect your physical [...]

With the new year coming in, many are wondering where the future of the stock market lies. Many financial experts believe that the year will be promising with an increase in jobs and better return on investments. Others believe that the year will bring bad investment returns along with new health care plans that will [...]

Saving money on black mold removal or mold abatement can help you save a ton of money since it is a fairly expensive process.  Molds are removed by mold removal companies, since black mold is fairly toxic it is important to work with a company that specializes in black mold removal. Black mold in your [...]

Stamped concrete patios are one of the best outside features to add to your backyard.  They are decorative yet offer significant durability compared to patio pavers or a wood patio or deck.  One thing many people are concerned with is the cost of a concrete patio. Costs can vary widely based on where you live [...]

A mortgage finance company is a company that finances(provides) mortgages to individuals for houses.  There are also commercial mortgage finance companies that do that same thing but for business owners.  Loans provided by finance companies are often then sold to Freddie Mac or Fannie Mae.  These are government sponsored privately run companies that purchase “loan [...]

Learning to become a debt collector can be a really daunting task.  Your whole job is to collect money from individuals that either don’t want to pay the debt, or they want to pay the debt but cannot afford to due to a job loss or other event.  Often times you will hear really sad [...]

Well I have tried avoiding a “best of” style post but at the same time I am looking at increasing the quality of my personal finance articles here at APF. Every day is a learning experience and I think in the coming months my posts will increase in both quality and quantity as I myself [...]