The Case against Managed Mutual Funds

The Case against Managed Mutual Funds

Most mutual funds are managed, which is to say there is a human being who is tracking the fund and making buying and selling decisions all of the time. Some mutual funds are more actively …
Understanding Tax Subsidies

Understanding Tax Subsidies

Tax subsidies can be thought of as ‘reliefs’ given to certain sectors or entities in the economy in order to promote a certain pattern of economic behavior which aligns the economy with the government policies. …
Investing Bonds vs Bond Funds

Investing Bonds vs Bond Funds

Those that are interested in investing in some sort of a bond, which is generally considered one of the safest means of investment, should consider investing in a bond fund. While they operate around the …
What is a Credit Union

What is a Credit Union

Basically, a credit union is a cooperative created to provide financial services to its members. That says it all, but it makes a very short article, so a bit of detail may be in order. …
Is the War on Drugs Firing Blanks

Is the War on Drugs Firing Blanks

Is the War on Drugs Firing Blanks? When the Americans think of the phrase, “America’s War on Drugs”, they may be imagining a government in action trying to save their innocent children from an illicit …
Common Legal Issues in Advertising

Common Legal Issues in Advertising

Advertisers must clear all the common legal issues in advertising before launching an ad. Otherwise, regulation over false advertising claims and litigation over misuse of intellectual property can quickly consume the profits generated by the …
How to Determine Auto Insurance Deductable

How to Determine Auto Insurance Deductable

An insurance policy tends to be a fear-based purchase.  Buyers wonder what would happen if they totally destroyed their brand new car.  They compare the cost of the insurance with the cost of buying a new …
The Power of Compound Interest

The Power of Compound Interest

According to Albert Einstein, “compound interest is the greatest mathematical discovery of all time.” In simple terms, compound interest earns interest income on your interest income, thus growing your money faster than ever. Most savvy …
Costs of Raising a Child

Costs of Raising a Child

Children can be a wonderful experience, but unfortunately in this bad economy they cost so much! Although children can bring much joy, they are also a bundle of childbearing expenses; there are many ways though …
Tips for Living on one Income

Tips for Living on one Income

Two years ago, my husband quit his job. He promised to find another one immediately. As the days went by, that time never came. He got comfortable just staying at home and I became the …
Casey Anthony not Guilty and why – Yes

Casey Anthony not Guilty and why – Yes

The Casey Anthony verdict along with the O.J. Simpson and Robert Blake verdicts has stirred unrivaled controversy.  Why this particular case about this deceased child rather then the other 140 cases of children who have …
Insurance Mistakes to Avoid

Insurance Mistakes to Avoid

When shopping for insurance, it is important to be careful. Many people make mistakes when shopping for a policy or after they have purchased an insurance policy. Be careful to avoid these mistakes when shopping …
Managing Student Loans

Managing Student Loans

Students graduate with increased debt loads each year as the cost of attending college soars above inflation. The level of student loan debt in the U.S. now exceeds that of credit card debt, with an …
How to Manage your Debt better

How to Manage your Debt better

The bottom line is that you cannot pay back a loan if you are overspending.  Get your overspending under control and you are halfway there to defeating your personal debt once and for all.  You …
Why Age Discrimination Claims are on the Rise

Why Age Discrimination Claims are on the Rise

As if the tough economy didn’t present enough challenges for workers, the number of age discrimination cases is increasingly on the rise. According to the Equal Employment Opportunity Commission (EEOC), the number of charges filed …
Variable Annuity Disadvantages

Variable Annuity Disadvantages

A variable annuity is an insurance contract that facilitates investments in moderate to high-risk mutual funds, often with no base guarantees. It pairs the characteristics of an annuity with those of risky mutual funds. Variable …
Tips for Paying off Student Loans

Tips for Paying off Student Loans

With student loan figures seeming to climb higher and higher for new graduates, it’s important to learn all you can about how to pay off those loans, and the ways that you can get your …
Tips on how to Ride the Recession

Tips on how to Ride the Recession

In recent times, news broadcasts were flooded with news related to failing companies and plunging share markets around the world. Many experienced the effects of the recent recession first hand and even at the present, …
Bad Credit now what

Bad Credit now what

Credit Card Companies operate a lot like Feudal Lords in the Middle Ages. Once you miss a payment or two, they jack up your interest rate and hit you with fees. It seems counter intuitive. …
How to get Money Fast when You’re Broke

How to get Money Fast when You’re Broke

The bills are mounting on the desktop, and you have discovered that you have no good way to pay them. You must raise cash fast. Raising money quickly requires creativity, discipline and hard work. Raising …
Bank Checking Account Reviews Wells Fargo

Bank Checking Account Reviews Wells Fargo

When reviewing checking accounts, there are several key things that you should look for.These include: – Creditor interest rate – i.e. how much are they going to pay you for lodging your money with them.– …
When to Invest in American Depository Receipts

When to Invest in American Depository Receipts

American Depository Receipts (ADRs) are derivative securities which allow US residents to invest in foreign companies without the risk and expense of purchasing the stock on a foreign stock exchange. Through ADRs the stock of non-US companies trade …
How to Save Money on your Taxes

How to Save Money on your Taxes

An old saying has it that the only two certainties in life are death and taxes, and even paying taxes is surely more pleasurable than the alternative. Most people would prefer to pay as little …
Vanguard Life Strategy Funds

Vanguard Life Strategy Funds

When it comes to investing your hard earned money into mutual funds, Vanguard is one of the best companies out there to help you do so. On top of being one of the biggest names …
Legalization of Prostitution

Legalization of Prostitution

Dark alleys… smoky bars… lonely stretches of road… strip clubs… to storefront operations on Main Street USA? That’s what we’ll have if prostitution is legalized. Well, maybe not a Prostitution WalMart but something similar but …
Investing Municipal Bonds

Investing Municipal Bonds

Heard of triple tax exempt and want to rush to getting some munis?Not so fast!Munis low yield may badly hurt performance of many popular types of accounts and individual investments.So what are they?Who might get …
Life Insurance Loan

Life Insurance Loan

Life insurance policies that have ‘cash value’ can be borrowed against. These policies are structured so that a portion of monthly premiums are invested in financial instruments which build value over time. The amount of …