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Sample Hardship Letter Requesting a Short Sale80

Sample Hardship Letter Requesting a Short Sale

Because of the recent housing crisis, many homeowners are considering short sales as an alternative to staying in a home that has plummeted in value. At some point during the short sale process, the homeowner will be required to write a hardship...

6 comments    financial mortgage foreclosure
HIPAA-Protection of Patient Privacy87

HIPAA-Protection of Patient Privacy

What is HIPAA? HIPAA stands for Health Insurance Portability and Accountability Act. The federal law originated in 1996 and protects the privacy of a patient's personal and health information. The purpose of HIPAA is to keep medical records and...

147 comments    health insurance doctor
How To Start a Personal Grocery Shopping Business90

How To Start a Personal Grocery Shopping Business

Imagine this: It's 6:00 pm and Jane, a mother of three, is driving home, exhausted from a full day at the office. After picking up her children from the sitter, she remembers the pantry is empty, the refrigerator is barren, and they've already eaten...

129 comments    business food shopping
How to Organize a Neighborhood Block Party88

How to Organize a Neighborhood Block Party

Remember when everyone knew their neighbors? Kids played hopscotch on the sidewalk and rode bikes every evening while parents sat on the front porch conversing with friends and sipping iced tea. It was normal to knock on your neighbor's door and ask...

23 comments    family home recreation
The Best Educational DVDs for Children Ages 2-582

The Best Educational DVDs for Children Ages 2-5

My oldest son is four years old and my daughter is 2 ½. They both really like to watch TV. I try to limit the amount of TV they watch, but I’ll admit that sometimes I’m thankful for the 30 minutes of...

18 comments    educational tv little einsteins
Decorate Your Home Using Things You Already Have80

Decorate Your Home Using Things You Already Have

The easiest and least expensive way to jazz up the décor in your home is to use things you already have hidden in the depths of your house. Some of these items might need a little updating, and others will simply need to be cleaned up and properly...

33 comments    home pictures save money
The Ugly Truth about Public Swimming Pools and Recreational Water Illnesses79

The Ugly Truth about Public Swimming Pools and Recreational Water Illnesses

While reading this morning's newspaper, this headline caught my eye: "Phoenix closes all city pools." The article explained that an intestinal parasite called Cryptosporidium was discovered at one location. There is one confirmed case in addition to...

21 comments    health water recreation
Organize Your Grocery Coupons72

Organize Your Grocery Coupons

Using grocery coupons can be time consuming and overwhelming if you don't have a good organizational system. Developing a method for organizing grocery coupons is a worthwhile activity because it will enable...

22 comments    food save money frugal
Good Things Come to Those Who Have Debt81

Good Things Come to Those Who Have Debt

I am so tired of being penalized for being financially responsible. My husband and I have made a commitment to pay off our house as fast as we possibly can. We put every extra penny towards the principle on our loan each month. We’ve cut cable TV,...

39 comments    finance bailout housing crisis
Redecorate Your Home Frugally Using Spray Paint79

Redecorate Your Home Frugally Using Spray Paint

Bring new life to your old stuff! You can give a face-lift to almost any item using spray paint. I am a huge fan of spray paint because it is cheap, easy to use, and the results are beautiful. Spray paint comes in every color and multiple finishes....

34 comments    home art save money
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