For some people managing finances come naturally, but for others it is a bit of a learning curve and takes a little work. Gaining a firm understanding of how to properly manage personal finances is …

In 1943, Abraham Maslow proposed his hierarchy of human needs in a paper titled “A Theory of Human Motivation.” The need for security, according to this theory, is subsequent only to human physiological needs. As …

Until the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act and signed on July 21, 2010 by Barack Obama, the benefits or “Pros” and “Cons” of carrying a “debit card,” were mostly …

There is a difference between the things we worry about and the things we ought to worry about. I’ve known cigarette smokers who were careful not to eat trans-fats, and a sadly overweight woman who …

Many people have trouble getting out  and staying out of debt. Bad spending habits and poor financial management skills cause many problems that cannot be easily solved. Good news is that they can be solved …

All people have expectations about their future, for instance, to ensure the well being of their family, including having a house, a small business, or retire young and healthy. That´s the reason every body works. …

When you have children that are school age, you will find that you usually have to spend more money than you did in previous years to get them the things that they need.  From school supplies …

Sitting on a load of equity in your investment property can have you scratching your head. What is the best way to get out the most profit? A Section 1031 Tax Free Exchange can be …

I want to ask you something. Do you want to work forever? Do you imagine a time when you will spend your days walking hand in hand with your sweetheart upon pebbly beaches? Or do …

Unfortunately my wife and I recently had an absolutely horrific experience with WaMu. It may have been isolated, but still, it’s worth sharing. My wife recently opened a checking account with WaMu. She had the …

Insurance agents that sell insurance policies are either a captive agent or an independent agent. A captive insurance writes business for only one company, maintains their own office and usually gets a commission from every …

When you have declared bankruptcy, one of the first things you will want to do is to start right away in repairing your credit. While bankruptcy may seem like the biggest strike you could possibly …

The Midas touch Formula for Buying a House. It is an “etched in granite” fact that one must buy wholesale today in order to make a profit whether it is in single family homes or …

Anyone venturing into the world of investments in the current climate needs to very careful. It is a difficult environment for professional investors let alone for beginners. The most important consideration is to be cautious …

Baby boomers are not averse to the idea of retiring outside the U.S. Technology makes it possible for them to stay connected. There are many locations all over the world where cost of living is …

No credit-check loans are a product which many people consider to help ease the burden of financial difficulties. However, these products are not without risk, as with all financial products there are pros and cons …

Christmas is a time when we often overspend. We buy presents to give gifts for family and friends, we stock up on foods – often to impress or treat ourselves – and we even indulge …

The process of auditing businesses didn’t become practice in the United States until after ratification of the Securities and Exchange Act of 1934. The Act came about as the result of the 1929 crash, and …

Investing in Multi-Family Properties: An Overview Over the course of the past thirty years, an ever growing number of people from different walks of life have elected to become involved in real estate investment. These …

Discipline with money is a challenging practice, though once mastered becomes difficult to break. Whilst there are a number of benefits attached to a stricter spending approach, be aware also of the potential drawbacks. Pros …

A 401k plan allows you to set aside a certain amount or percentage of tax-deferred income each year. Your employer funds your 401k plan with matching dollar-for-dollar contributions, and total funds mature tax-free until withdrawn …

As long as you have a French address, you are able to open a bank account here. The bank will require a form of identification such as a passport and proof of address which is …

Attending college is still one of the best ways to prepare for a career, increase one’s knowledge and skills, and potentially qualify for higher pay. The decision to go to college is an important one, …

Wall Street underwent considerable scrutiny following the 2008-2009 recession, and out of this has come several proposed legislative reforms including an anticipated increase to the Federal Trade Commission’s (FTC) authority over the internet. This advocacy …

Over the last few years, there has been a great deal of press coverage regarding subprime mortgages. While in many cases, the accusations about these mortgages is true, there is a lot more to a …

Homeowner’s insurance is set up to protect the investment you have made in your home.  It protects your belongings from theft and damage from inside your home, and it will provide you with the security that you won’t lose everything …

Penny stocks are companies stocks that are valued at less than 30 cents depending on which market you invest in. In the US the Over the counter bulletin board, in the UK it is most …

The potential of losing your life’s savings is very real if you are in an accident and don’t have car insurance. In fact, most states require you to have at least liability coverage on your …

Understanding investment vehicles can be a tricky process, particularly if you do not have a strong background in finance. Too often people make emotional decisions when purchasing investments, or they simply make the decisions that …

West Virginia drivers must carry auto insurance on their vehicle at all times in order to comply with the state’s Financial Responsibility law. The state has set forth minimum amounts of coverage that must be …