First off, a mortgage is a method of using personal property as security for the payment of the debt. Like collateral. Only your collateral is the thing you initially had the mortgage for. The term …

Few investors want to be the conservative bondholder, who sits and watch his government-protected Treasuries earn him 2% interest.  Most dream of being the one who invests in the cheap, unknown growth stocks which will …

Life insurance is easy to buy, and I count it as a necessity for most people. The most important consideration is the type of insurance you buy, and making sure you do not get ripped …

High frequency trading is a very fast method of trading that uses computers that are programmed to extract large volumes of information in order to facilitate many orders in a short space of time. Multiple …

When you are looking at buying a condominium, you learn that condo insurance is different than the typical homeowner’s insurance. There are components of a condo insurance that are different from other types of insurance …

City vs. country living after retirement is a personal preference.  Getting away from the noisy city to the country seems like a sensible choice when you are fed up with schedules and all that goes …

The sound you hear in British Columbia’s Columbia Valley is the echo of the exploding year-round property market. The linking communities of Radium Hot Springs, Invermere, Panorama and Fairmont Hot Springs make up the best …

Statistically, more than half of retirees struggle financially when they retire. With the exception of those who retire early after becoming financially free or wealthy at a young age, most of the people who reach …

The President’s Deficit Panel released its report yesterday, and suffice to say, when Democrats suggest cutting Social Security Benefits, you know something is pretty out of whack in government. After all, the senior vote is …

Saving for your retirement is important, like never before. Yet very few people have enough saved up for their retirement. They seem to believe they can continue to borrow their way through life. It seems …

  Financial planning can be a quite daunting task. Since the 1929 market crash and the bank runs and depression, many people began to appreciate the need for a very safe and effective financial planning. …

It is hard enough spending money on items that you need; it is even harder spending it on something that has no benefit to you, such as bank overdraft charges.  An overdraft fee happens when …

Many homeowners receive so many mortgage refinance offers in the mail that they can identify a refi offer in a stack of mail before even opening the envelope and even the best spam filters may …

I received a gift one year from my mother for Christmas. It was a short outfit, and it didn’t fit right. So my mother told me she had gotten the gift at Target, and to …

Overspending is around us wherever we look. From members of the public to authorities and politicians, it seems that everybody is spending more than they can actually afford. It has become an increasingly common problem …

Credit card bail out is a simple but tedious, and long term, project that works only for those with patience and personal financial vision. Start there. Set personal goals for you and your money, write …

The right way to handle debt is to keep it under control from the outset, and to keep a focused eye on your typical expenditures. Creating a budget, and sticking to it vehemently is a …

Starbucks has two types of cards available to treat yourself and the coffee lover on your shopping list. The first is a gift card that can be used at Starbucks stores near you or at …

The best tip for managing your finances successfully is to run them as you would a well-organised business. The essentials are not rocket science.  You have money coming in and money going out.  The difficulty …

Why invest in Real Estate? When you look at investing in Stocks there is always the same mantra: Work Hard – Save Money – Get out of Debt – Invest for the Long Term – …

Early retirement. It seems like just about everyone has the dream of retiring early, finding their passions, and spending their time the way they want to spend it, but very few people actually achieve this …

Credit Cards: An American’s Enemy?             Most Americans should not use credit cards, for the sake of their finances, their relationships, and their quality of life – perhaps even for the sake of their sanity. …

If you are financially down on your luck, or simply want to improve your net worth you will probably want to consider different methods of achieving your aims. One unusual way of clearing the pathway …

Personal Loan Tips – Taking a Cover to Indemnify a Personal Loan There are so many reasons for taking a personal loan. You may decide to take a personal loan because you want to pursue …

Johnson and Johnson is a global American pharmaceutical manufacturer and the company is also listed among Fortune 500 companies. The company is constantly ranked at the tope of Harris Interactive’s National Corporate Reputation Survey. Johnson …

There are many circumstances where you may need access to a pool of money. Perhaps you are looking to purchase a car, invest in the stock market, finance an education, or maybe even purchase a …

Interest rates are in line with the current status of the economy. When people are borrowing money from banks and other financial institutions, the interest rates tend to be higher because there is a large …

You should first consider why they asked you for a loan in the first place. Do, they have bad credit?.. were they refused at the bank?.. are you their last alternative?. Do, they have bad …

If you are unemployed there are several ways that you can save for your retirement. Obviously retirement will happen unless you die before then. If you live to retirement age, then eventually you will retire, …

Home owners often choose to borrow against equity held in their property for reasons such as debt consolidation, home improvements, financing a college education or simply for spending. Many are tempted to use home equity …