The main taxes levied in the United States are income tax, payroll tax, sales tax, property tax, taxes on imports, gift taxes, and estate taxes. All licenses and federally-required professional credentials are also a form …

Investing involves risk and reward. Usually, it is the greater the risk, the higher the reward. That may ring true for investing in penny stocks, but you must remember that along with such high risk …

If you own a home, it is important to have homeowners insurance to protect your home and possessions in the event of a fire, burglary or other disaster. But shopping for the best deal and …

Even without realizing it, the concepts of discretionary and non-discretionary spending have been applied by anyone who has found themselves in the position to make a monetary decision. From the government of a country, to …

Investing in stocks is owning a part of the company while investing in bonds is owning a part of the company’s debt. This difference may sound intuitive and straight forward but it is far from …

With the advent of the internet, making money is not as difficult as it was for a typical young teen. There are just as many opportunities on the internet as there are in daily life …

There is a common misconception that investing in a bundle or basket of European ADR’s (American Depository Receipts) carries no risk of loss due to currency exchange. Many believe that because ADR’s are traded in …

How healthy are you eating? Most people wish they could be eating better and saving money doing it. Unfortunately, the demands of modern life can make maintaining a healthy and cost-effective diet seem more of …

Making Home Affordable consists of six major government programs which may assist you with refinancing your home. Some of them are designed to assist homeowners who may not qualify for traditional refinancing in the current …

Estate planning in the state of New Hampshire is not that difficult. If you are reaching retirement age, the sooner you complete this process the sooner you can put your heart and mind at ease. …

Many financial markets have undergone some amount of innovation in regard to the financial vehicles available to the participants. Options or derivative financial instruments have been introduced and have taken hold. Moreover, investors are able …

Life is a journey! You feel like life has so much in store for you. As you read an article or hear about an acquaintance that suddenly passed away, you also discover the hardships endured …

Many of us know saving for retirement is important, but other expenses seem to get in the way of putting money away as early as we should. It is important to start planning for your …

Discretion implies choice. There are some things in life that you can choose to do, and others that must be done out of necessity or compulsion. Having a roof over one’s head and enough food …

Energy bills in the summer can be as extreme as heating bills in the winter. You want to stay cool, but dread opening the bill from the electric company in August. You can upgrade your …

Coupons are not simply for grocery shopping anymore. In an effort to encourage more spending on electronics, major retailers are providing consumers with discount and saving incentives on electronics both large and small by way …

We all love money, no doubt about it. Without money we wouldn’t be able to pay our bills and sometimes we just don’t make enough money with our current job. You can look in your …

In the depths of the Great Depression, Thomas Rowe Price, Jr. bet on his own ingenuity and the American economy by founding T. Rowe Price (TROW), a financial services holding company based in Baltimore, Maryland.  …

Estate planning is just a way of securing wills and trusts, a durable power of attorney etc. for when you are incapacitated. Although business owners and people with complex financial issues rely on estate planning, …

We live in times in which the amount of financial knowledge you have matters. Its one thing that’ll determine your financial prosperity; whether you can survive in the financial jungle or not, and strive instead …

Regardless of where we are in life or how much we earn, most of us probably thought about cutting our living expenses. Thinking that cutting something out or changing won’t do anything to help you …

Living paycheck to paycheck is not really living; it is more of struggling to survive. The stress levels of someone who finds themselves waiting for payday to come is much higher than someone who does …

The popular saying is that “only two things are certain in life; death and taxes.” This is true and both can be very painful. There has been much debate in the U.S. in recent years …

Have you imagined yourself being a part owner of a certain company? Much more a huge multinational company that earns so big? It feels so great right? However, chances are you might be thinking that …

After living a life of extravagance, decadence and expensive tastes, it can be quite difficult to transition to a smaller budget and more modest lifestyle. In a world where credit is easily available, consumers are …

In almost every household, food takes up a large portion of the monthly budget. There are many households that become short of money because of high food bills or mismanaged grocery shopping. Here are some …

Insurance polices can be changed and modified by using a technique called endorsing a policy. A policy endorsement can be done to change or modify coverages, add or delete items from a policy and modifies …

It is a lifestyle known by many names — paycheck to paycheck, hand to mouth, scrimping or scraping by, to name just a few. However, no matter what you call it, seven major disadvantages rear …

When you try to set aside any money, sometimes you may feel you are getting nowhere. Growing savings for most people can take both discipline and focus. Savings are meant to be there for you …

The need to endorse a check for a minor is a situation most parents run into at some point. If your child receives a check, is not of age and/or has no identification card to …