The primary risk of an adjustable rate mortgage, or ARM for short, is the specter of rising interest rates. The way ARMs work is that as interest rates change, the rate you are paying on …

With it’s neo-Gothic facade and it’s location, directly opposite the Scott Monument, you just can’t miss it. Luckily, for those who’ve had difficulty in spotting it, there’s an optician in-house!JENNERS is the oldest independent department …

Black Friday typifies consumerism run amok as masses descend on the stores in a mass spending spree. There are plenty of reasons not to join in with this herd mentality, which is likely to lead …

                                How to use Delta and Gamma when Trading Options In the world of options, delta is the theoretical equity value of the underlying shares of a stock of that particular option. Delta can be …

The Federal Housing Administration’s 203(k) Rehabilitation loan plan offers prospective homebuyers additional incentive to take advantage of the opportunities available in today’s distressed housing market. If you are interested in purchasing a home property with …

In the UK, I’m not aware of any banks that just offer savings accounts, so not sure what is meant by the term ‘Savings banks’. Savings accounts, though, are offered by all the main banks …

As a parent the two most important things you can do for your children is love them unconditionally and provide for them as best as you can. Of course there are a million other things …

There are undoubtedly certain expenses in your life that could be reduced by applying some do-it-yourself skills to tasks you typically pay others to do. To save money, a good first step is analyzing your …

The Home Affordability Modification Program (HAMP)  is now offering mortgage relief for the unemployed.  It is a short term plan meant to give the borrower time to find a job or chose other options. The …

Uncertainty rules the day where market tips are concerned. Statistics show the past performance of stocks and probabilities for what will happen in the future. Thus certainty—of what happened—and uncertainty— of what probably will happen, …

For families look to purchase health insurance policies, the costs can be surprising. The price usually depends on the amount of people needing coverage, their ages, their genders, and if any of the members are …

Having a laptop is a necessity. The combination of convenience and technology have made laptops very popular among business people, stay-at-home mom’s, children, college students, small business owners and anyone who enjoys computers. They are …

Many factors need to be considered before investing in rental property so the prospective landlord needs to be informed of the possible pitfalls which can be manifold. Never ever give up your day job if …

I am often amazed at people who claim that they live within their means, yet do not.  Living within your means means saving for the luxuries you want,  not wasting money,  and not spending so …

There are two kinds of people: the ones who are aware of their credit rating and the ones who are not interested enough to find it out therefore lose money. It is your life that …

Trustees incur general management expenses in managing a trust’s affairs. The allowable trust management expenses may be used to reduce the tax paid by trustees of a discretionary or accumulation trust, and in the case …

Confessions of an insurance agent -10 ways to save on your auto insurance. Auto insurance is a necessity and by law should be carried by all. There are many ways our insurance premiums can increase …

According to a CNN study, 7 out of 10 Americans do not regularly exercise. According to a study conducted by the Centers for Disease Control, 68% of Americans (roughly 7 out of 10) are obese …

Bankruptcy, both for persons and corporations, is a special type of legal protection that is granted when people end up so high in debt that they cannot realistically continue to make payments on what they …

Car Insurance Tips for College Students Young driver’s car insurance is commonly considered to be costly. But, there are various causes following the high costs in acquiring the insurance. According to the reports, 20% of …

One job that has benefited from tough economic times is debt collection. It has been so good that Steven Katz of Debtorboard.com has been a very busy man. Katz is not in the debt collection …

Taking steps to reduce debt can subsequently positively impact other important factors such as fighting individual stress and family troubles that stem from money issues. The holidays can be especially stressful in the financial department …

Summary Most mortgage applicants would prefer to have the lowest interest rate possible when they close their loan and this is only natural.  In the past the best way to get the lowest rate was …

Health insurance is a necessary precaution. State laws regarding healthcare and health insurance vary greatly, so to gain a better understanding of your unique rights in your state, be sure to do your research. Some …

In recent years, the new Free Application for Federal Student Aid (FAFSA) replaced the paper version of the FAFSA, and it eliminated the time-consuming way of applying for federal financial aid. Completing the new on-line …

All applications for insurance contain general questions which are also known as underwriting questions. These questions are designed to assess certain risks, need to be answered by all applicants and can be used as a …

Unfortunately, the threat of inflation is very real. It is more or less a given that the cost of goods and services will continue to rise and get to higher levels by the time you …

Corrections Corporation of America or CCA is the largest owner of privatized correction and detention centers in the USA. With a total of 63 facilities and a capacity of 67,000 beds in 19 states, CCA …

VARIABLE UNIVERSAL LIFE – Made Easy Variable Universal Life Insurance or VUL is a flexible form of universal life insurance. Universal Life works as follows: * A sum insured is selected by the insured. This …

The internet has become a one-stop solution for people all over the world, no matter what they may be looking for. It has revolutionized the way we communicate, shop, AND buy auto-insurance. Many people are …