From personal experience, living in the dorms isn’t always the most pleasant experience, and many students choose to move out of the dorms after their freshman year. There are a lot of benefits to getting an apartment, including more privacy and your own room and kitchen, among other things. In addition, apartment living can give you more independence and freedom, since you can have friends over and do what you want without having to deal with the often overzealous campus security officers.

To that end, I’ve put together a short list of resources and tips if you are thinking about living off campus that will definitely help you save money and live more comfortably during your new adventure.

Finding an apartment. Thankfully, many schools have an office set up expressly for the purpose of linking students up to find apartments or as sort of a roommate matchmaking service. At

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How to Find a Good Contractor & Save Money

If you’re like me, your home is your baby. You wouldn’t hire the first babysitter that you found in an ad without first asking some questions and doing a little research, would you? So why do the same with your home?

When you hire out a contractor to do work on your home, you want things done right and at a reasonable price. Over the years, I’ve seen a number of people get screwed by hiring a ‘jack of all trades handyman’ who said they could just about everything. In reality, they could do a lot…. of destruction, that is (oh snap)!

No, really folks – to protect yourself from getting ripped off by a contractor, make sure you take these steps:

1. Verify the Contractor’s Insurance

A contractor’s workers compensation insurance protects you if a worker is injured on your property. Liability Insuran

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The AA has launched a new credit card which rewards you for spending and offers an interest-free period on both purchases and balance transfers. What’s more, it’s exclusive to moneysupermarket.com customers as you can’t apply for it on any other comparison site. And it’s a limited offer, available to only 3,000 people. But is the best card for you? We take a look…

What’s the deal?

The AA has revamped its credit card offering with a new deal that charges no interest on any purchases for 10 months – one of the most competitive 0% purchase offers available (Tesco offers 12 months, while Sainsbury’s and Marks & Spencer also offer 10 months).

Customers also earn reward points every time they spend on the card and there is a 0% balance transfer period which lasts for 12 months.

Under the terms of the reward scheme, AA members earn two points for every pound spent on motoring costs, which include car servicing, tyres, MOTs and fuel.

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Will Obama confiscate your gold in 2010? In 1933, US government led by Franklin D. Roosevelt made private gold ownership illegal, so why not do it again. After all, you hear gold confiscation radio commercials everyday, something along the lines – Under current federal law, gold bullion can be confiscated by the federal government in times of national crisis. As collectibles, pre-1933 gold coins, rare coins and foreign coins do not fall within the provisions permitting confiscation, call us today at … .

Gold coins that are exempt from confiscation? There is no such a thing as non confiscatable gold bullion, period. Government can confiscate anything it wants. Just like it confiscated GM and Chrysler together with dealerships.

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Want to buy a new or second-hand car? How are you planning to pay for it? If you don’t have the ready cash, you’ll probably be considering some form of credit – after all, for most people it will be their biggest purchase of the year, unless of course, they’re buying a house.

For some tips on finding the right new or second-hand car for you, read our article ‘Top tips if you’re buying a car’.

So what finance options are available if you’re buying a car?

A hire purchase (HP) agreement

For many people, this is a simple way to buy a car and spread the cost. An HP agreement is different to a normal loan because you don’t actually own the vehicle until it’s repaid.

You’ll pay a deposit and then regular monthly sums.

Unlike a standard personal loan, if you fail to keep up the repayments, the lender can ask for the car back.

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