Emergency Funds

Save money for a rainy day. That old advice is still valid today, according to most financial gurus. Yet even experts disagree on whether it's more important to spend your spare cash paying down…

When debtors file for Chapter 7 bankruptcy, the majority of their assets, including bank accounts, go toward paying back their debts. Many debtors have bank accounts or other accounts set aside for…

Bankruptcy is an individual action. Except in the case of married couples who can file a joint bankruptcy petition, usually a debtor faces bankruptcy on his own. Problems arise in bankruptcy with…

Filing for bankruptcy can release funds in your bank account that are being garnished by credit card companies or debt collectors. A legal order by a judge, called an "automatic stay," immediately…

If you've ever run out of money due to job loss or unexpected bills, you know why you need an emergency fund. If you don't have at least three months' living expenses in an easily-accessible account,…

The purpose of a health savings account, or HSA, is to help consumers take charge of their health care. By putting money away in a health savings account, consumers can get a tax break up front, then…

Living paycheck to paycheck is a dangerous way to go. It means that you have no emergency savings fund, you may be over-extended on credit, and you have nothing left over at the end of each month.…

Bank accounts can be frozen for a number of reasons, including a civil judgment or a tax lien by the IRS. Getting the funds in a frozen bank account released can be a stressful and time-consuming…

Exchange Traded Funds are baskets of stocks that attempt to reflect overall price performance of an industry or sector. Gold ETFs track the price performance of mainly gold mining stocks. Gold prices…

While bankruptcy allows you to eliminate a great deal of debt, it also will become a permanent part of your credit report for up to 10 years. After you have filed for bankruptcy, your credit history…

Saving for retirement with a Roth IRA is a wise choice for investors both young and old. These accounts provide tax free withdrawals at age 59 1/2 and earn compounded interest. However, there are…

There are several ways in which you can save money to prepare in the eventual case of job loss, medical emergencies, car and home repairs, and even the loss of a family member. This article will…

An emergency or rainy day fun is a key component is paying of your debt and becoming completely debt free. This fund will allow you to avoid using credit cards when cash gets tight. If you lose your…

Having trouble making ends meet when last minute emergencies crop up? What you need is an emergency savings fund. The reward: respond to emergencies without going broke, using credit cards or high…

Emerging markets are countries that are still growing and evolving into developed countries. These markets are in a transitional period of increasing economic growth and development. Investing in…