Tip # 1 – Ride the Economic Waves with COURAGE…DON’T FEAR the obstacles The ups and downs of the stock market are part of a natural cycle of balance, but, for the beginner, they may …

Payday Loans are short term loans offered by Finance/Credit Companies that assist YOU, the consumer, to “bridge” or finance your short term personal cash needs between your paydays. Firstly, why would you need to get …

Credit scoring for insurance purposes is a controversial yet often misunderstood part of the policy quoting and underwriting process. Regardless of how one feels about the merits of this practice, I believe it’s important to …

Why is cash for gold so popular right now? The state of the economy (poor) and the gold price (very high) combine to make it a lucrative time for people to sell any scrap gold …

Is it better to rent a house or apartment, or to own your own home? There are several pros and several cons to each side of the equation, and it has to be up to …

It is true that many of our younger generations have not experienced life without the assistance of the electronic media devices such as computers and televisions, however, a huge percentage of people in our society …

Gillian Tett is a trained Anthropologist and so she analyzes the behavior of elite corporate executives of J. P. Morgan whose greed and single-minded purpose of wealth accumulation for themselves and their company led to …

Should the age of sexual consent become standardized across all US states? Absolutely. It would be great to have some uniformity in legal standards. That will only happen if each state decides to set their …

Saving money in a difficult economy is something that frustrates many people. Unfortunately, some of the most effective ways to save money involve cutting back on luxuries. However, many of the things we enjoy in …

Personal loans are easy to obtain. They can be used for a variety of financial needs. However, the worse your credit is the harder time you will have getting a personal loan with decent rates. …

Though money won’t bring back a loved one who is killed by another, this is the way in which the law compensates survivors of someone who is wrongfully killed. These damages are obtained in a …

Most insurers will not insure vacant homes. In Michigan under the essential insurance act you cannot be denied insurance coverage solely because of the age of your house, it’s location or the type of neighborhood …

There are pros and cons to owning your own real estate, or renting real estate.  Some of the pros of renting real estate are as follows: When you rent real estate you are not responsible …

Many people who settle a personal injury claim often opt for structured settlements. This means that instead of receiving the payment as a lump sum, the payments are structured so that the person receives them …

There are many advantages of investing your retirement money in mutual funds. Mutual funds allow you as the investor to take advantage of investing in stock of larger companies which would require minimum block purchases. …

A debt free life is a very ideal life financially but it seems to be a very steep uphill climb to achieve such a feat. Many people, even financial professionals and experts, suggest that in …

Investment is the most important and basic aspect of human life. An individual works all his life so that at the end of his life time, he should have personal belonging giving him enough amount …

The best of all time! This is a difficult question to ask people about an industry that has the memory-span of a fly. I spent years reading books by Paul Erdman, Ben Graham, Peter Lynch …

A patent is a form of legally enforceable protection provided for intellectual property. It covers any method or process which is new, useful and non-obvious. The purpose of a patent is to prevent unauthorized usage …

“Money” magazine put out its picks for the top mutual funds for this year. It included eleven large-cap, seven mid-cap, four small-cap, three multi-cap, three specialty funds, eight foreign, and seven bond funds. The “Chicago …

Stop the Social Security Double Tax, And Legislative Double Talk While there are many taxes I would like to eliminated, perhaps the tax that makes least sense is the “double” tax on Social Security benefits …

A handwritten or holographic will is a will written entirely in the handwriting of the person making the will. Handwritten wills generally do not satisfy the requirements for a formally executed will, and thus, are …

PayPal has had a rather sorted past when it comes to keeping its customers’ best interest in mind. In the late 90’s, their customer service was not good at all and they had a tendency …

In this economy, it’s difficult for youth to save let alone plan for retirement. There are many obstacles to initiating a sound retirement strategy that permits a secure and comfortable lifestyle for the winter years. …

The importance of investing in emerging markets can’t be ignored anymore. “Don’t put all your eggs in one basket” is a popular saying and likely the most important investment rule. Diversification is one of the …

I play a 6/45 Lotto game each week for a modest $20.   Six numbers followed by two supplementary numbers are drawn.   Prizes are given for picks of  all 6 numbers, 5 plus a supplement,  5 …

When purchasing an annuity, whether fixed or variable, immediate or deferred, there are no health questions that are asked to determine eligibility. Annuities are a contract that is purchased from an insurance company. Annuity contracts …

With the economy in such turmoil, many people are trying to find ways to save money on monthly expenses.  One such expense where you can save money is on auto insurance.  If you are currently …

Individual investing is a broad concept requiring a wide variety of arrangements regarding handling of one’s account. Brokerage houses include full –service firms and no – frills discounters. A full – service brokerage house offers …

Banks differ in the services they provide and in how they are owned. Many financial experts use the word bank to refer only to a commercial bank. These experts believe that savings banks, savings and …