Kevin Mercadante
What are the two biggest reasons most people are afraid to lose their job? Loss of a paycheck is number one, of course. But close on its heels is the loss of health insurance coverage.
Employers are required by law to offer continued coverage to laid-off employees under the COBRA Act, but such coverage is offered at premiums that can be as large as a house payment. And it only lasts for a limited period of time. Private plans are an alternative, but these also require hefty premiums, and people with pre-existing conditions may not qualify.
Picture this: You spend months 
Most of you probably learned early on to keep your Social Security numbers safe, secure, and private. These nine digits are your primary personal identification numbers, the key to your accounts and private data. As technology has developed, vulnerability to 
Over the past few years, millions of Americans have faced the pain of 
It’s a good thing most of us only have to file taxes once a year. With all of the confusing terms, complex language, and mind-numbing math, it’s as if the people who write the tax code just wanted to bore us and trick us into a mistake or two.
You may have graduated from college recently, or expect to in the coming months. Either way, you’re about to enter an exciting period of your life – perhaps a new career, armed with the education you’ve received over the past few years. You’re ready to go!
For many people, credit card debt becomes just another burden they feel they have to bear. They become complacent, continuing to carry balances throughout their working lives, and into 
In the housing industry, it’s called “negative equity.” In the automotive industry it’s called being “upside down.” In both cases, it means the same thing: You owe more money on an asset than the asset itself is worth.