Hundreds of individuals are chosen from lineups every day in North America and Europe (Smith, Lindsay, Pryke, & Dysart, 2001). According to The Innocence Project (2008) “Eyewitness misidentification is the single greatest cause of wrongful …

Equity in relation to finance can be defined as the ‘interest ownership in a property’. In a balance sheet this usually is depicted separately along with two other entities which are known as ‘assets’ and …

Three Auto Insurance SecretsWant to learn something new about auto insurance? Something that can save you a lot of money or get a claim paid? Forget the usual tips. Check out these secrets.1. Demand the …

When taking a look at how loans are processed, we have to consider three principal factors in the equation. These logical steps are how banks and other finance companies will determine an applicant’s ability to …

Finding a way to spend less than you actually earn is a common goal for most people. In a world full of credit, it is far too easy to get consumed by it, and find …

There is no getting away from the fact that the recession is having a devastating impact on ordinary people’s lives as an increasing number are losing their jobs and living on a reduced income. Even …

Moody’s Corporation (MCO) is the parent company of the Moody’s Investors Service bond credit rating agency. Like Standard & Poor’s, now owned by McGraw-Hill (MHP), Moody’s controls about two-fifths of the global market. Moody’s is …

Anyone that has been investing long enough has probably heard the term level 2 or L2 thrown around numerous times.  Level 2 is discussed frequently because it is not only a tool but a critical …

Young adults, in their early twenties will face a lot of financial changes during this decade of their lives. Most individuals will graduate from college and start a career of their own. As a result …

There are so many travel insurances in the world that is is hard to choose the best one. If you are searching for the best suitable for you you can best ask yourself a few …

Organizing personal finances is a behavior that every individual should stick to. It is the only way you will get to know where you stand as you embark on planning for your financial future. In …

Suggesting that it is possible to make a profit by having the right credit card and using it in the right way is likely to draw at best suspicious looks from many people. This is …

Rising Short Sales on the Market, and the Challenges they present It’s no secret that short sale listings have drastically increased in very little time. This increase can be blamed on a number of factors: …

Umbrella liability is designed to protect you when you are sued for damages sustained during an accident that occurred on your property, whether you have individual insurance or business insurance. Such a policy could protect …

Emergencies happen. When the car breaks down, the kids have to go to the doctor, or the water heater breaks- and you don’t have the money in your emergency fund where can you go to …

Poverty is depressing and can affect almost anyone. In the United States alone, around 37 million people are living in poverty, that’s more than 12% of the population according to the Centre for American Progress. …

Do you own a small business?  Have you gone through struggling with trying to afford offering credit card payments from your customers?  Are you in the field quite a bit, or doing trade shows where …

Thousands of Americans will consider becoming a first time home buyer during 2009 and, one of the options they may consider is an FHA loan. FHA the Federal Housing Administration, was established in 1934 with …

Renter’s and condominium owner’s insurance products are very similar in that they are intended to protect the resident’s possessions in the event of a loss. Neither policy covers the physical structure or other common areas …

A home is a treasure trove of potential dangers. Some are more obvious than others, but all can be hazardous, even lethal. Learn to identify and weed out these dangers to help avoid costly lawsuits, …

Money can be tough to find for the freelancer because it is not necessarily a stable income and the economy can be tough on these industries. The income levels often change from week to week …

Insurance has been a product that has with stood time, from 1863 when in a little coffee shop, Lloyds started using the coffee shop as a market for insurance to today; insurance remains a corner …

Retirement is one of life’s major transitions. In the year 2011, baby boomers began turning sixty-five, and in the United States alone 10,000 are retiring each day. Furthermore, people live longer now than in the past, …

When faced with the task of acquiring a new or new to you vehicle you have the option of purchasing or leasing. There are a lot of aspects to consider before deciding which is right …

The idea of paying off a mortgage can be extremely appealing as people dream of owning their own home and being free from a large amount of mortgage debt.  Of course, mortgages are long-term commitments, …

When you are considered an excellent risk as a co-signer for someone else’s loan, then it shows that you have been personally responsible with your own financial dealings. You will have a high credit score …

In the United Kingdom, Preference shares are traded investments on the stock market that are similar to ordinary shares but the nature of the investments is slightly different. Many financial institutions have raised cash from …

Every homeowner worries their homeowner’s insurance will be inadequate if disaster strikes. It’s a constant balancing act between affordability and protection. To obtain an accurate homeowner’s insurance quote, understand key policy clauses and review coverage …

After working their whole life, the decision to pick a place to retire to is often a complicated one for many seniors.  Most son-to-be-retirees will spend hours looking at cost of living, proximity to relatives, …

This question must first be broken down to its key words, which are: How; You; Decide; Need; Financial; Planner. An initial suggestion for approaching a solution to this question is one which focuses primarily upon …