Your home is probably one of your greatest assets, so it makes sense to make sure it is protected. That is what homeowners insurance is for, although it is often overlooked. The problem is that for most people, the premiums are bundled into the monthly mortgage payment and it automatically renews each year, so little thought is given. But your needs change over time, and you may find that the coverage you initially purchased isn't sufficient for today's needs.

Today is as good of a time as ever to dust off your policy and find out just what is and isn't covered. You may be shocked to find that you don't have adequate coverage. Look no further than the recent flood victims in the Midwest. Many homeowners had no idea that they were in any danger of a flood, and most didn't have flood insurance. A situation like this can turn your life upside down, so it is best to make sure you understand what coverage you have, and determine if you need more.

If you're like most people, you probably get a lot of credit card offers in the mail. Many of these offers provide some attractive low interest rates, balance transfers, or reward programs. While it can be tempting to take advantage of some of these offers, you do have to be careful. These offers are usually short-lived and can be even more costly than you think.

Whether it is a teaser rate or hidden fees on balance transfers, you want to read all of the fine print before taking advantage of any credit card. Some promotions are legitimately worthwhile, but there is usually more to it than the big 0% they are promoting on the form. Learn how to spot these hidden fees and how to avoid them.