Guest Contributor

There are very many scholarship opportunities available out there; the first step is to identify the one that suits you and your needs. Reasons for awarding scholarships are varied; an institution would be looking to fund students from a specific background in need of financial aid, or students talented in art or sports. Therefore, it is imperative to always read the detail of the scholarship requirements and eligibility criteria before making an application. It will help you understand what the scholarship provider really needs from you. The reason for some students failing to get scholarships, in some cases, is when they fail to read in between the line and grasp what the sponsor is looking for. Don’t be part of … Read more

If you have been researching attorneys to represent you in a personal injury case, it is certain that you have come across various law offices that state there are “no out of pocket costs” to their clients during the course of a lawsuit. While you are on your search, it is certain that cost is a major factor, and the price tag that many believe will be attached to a lawsuit might even dissuade them from trying to recover damages that they rightfully are owed. If you are out of work and recovering from your injuries, then it is even more important that you feel comfortable with the financial obligations you will make to your attorney. Finding the right personal … Read more

It’s expected to be dreadfully cold outside during the winter months, but it can be quite uncomfortable and even maddening when that arctic breeze finds its way inside of your home. Unfortunately, many people find themselves spending exorbitant amounts of money on their energy bills during the winter, only to still have a cold home. In this article, we will discuss how heat may be escaping your home as well as ways to ensure that you efficiently and affordably keep your home warm this winter. How Heat Can Easily Escape From Your Home You have one furnace, multiple vents and a potentially unlimited number of ways that heat can escape from your house. Below, we have outlined some of the … Read more

An investment is defined as the action of investing money for profit. It goes without saying that sticking your money under the mattress won’t do you any favors. For one thing, if the house burns down, it’s gone, and for another, your money won’t grow in value. Thankfully, most people recognize the value of investing their money. Traditional savings accounts and pension plans are sensible investment instruments but don’t expect to earn a ton of money in a short time. If you want to make your savings work a bit harder, here are some interesting ideas. Equities When you invest in equities, you are buying a stake in a business. Essentially, you become a shareholder in that business. If you … Read more

Filing for either Chapter 7 or 13 bankruptcy might seem like taking the monkey off your back. Once you do, the pain of a low credit score sets in. Low credit scores are diabolical in how they block you from owning a new car or affording proper housing. But, there’s no good in punishing yourself. Now is the time to get determined to build credit after bankruptcy. Those who file for Chapter 7 will notice an immediate reduction in their debt-to-income ratio. Chapter 13 applicants can refinance after 18 months, and they have home equity. Use those periods to rebuild your credit score. Aim for 650 or above, and you’ll be back to normal in no time. Listed below are … Read more