Timeshares

Timeshares

Timeshares: A Losing Proposition Introduction A few days after 9/11 the mayor of New York advised those interested in helping the city getting back on track to come to the city and spend some money. …
Stock Options Basics

Stock Options Basics

Trading stock options is one of the most lucrative ways of making money on the Internet. Now, just like most things that are worth their while, understanding the basics is most of the time good …
How to Save Money

How to Save Money

Live with less in order to save more money. The best way to save money; is not to spend unnecessary money. Cut corners in every way that you can by being a penny-pincher, because saving …
Top five States for Retirement

Top five States for Retirement

Choosing where to retire in the United States can be a daunting task. Many retirees move after retiring because they want more financial freedom, adventure, weather, etc. Regardless of the retiree’s interests, they should let …
How to Evaluate Investments

How to Evaluate Investments

If you are looking into investing or evaluating your current investment portfolio, the lingo used can be confusing to inexperienced investors. Terms such as net present value, short or long, risk to award ratio, ROI …
Investment Advisors

Investment Advisors

Most people don’t realize it, but in the United States the term “Investment Adviser” is a legal term that covers a group of companies that are regulated under the Investment Advisers Act of 1940. A …
Finding a Lender when you have Bad Credit

Finding a Lender when you have Bad Credit

Finding a lender when you have ‘bad credit’ in today’s financial climate, can be nigh on impossible. This is a situation that many people find themselves in. However, if one looks carefully, such loans exist. …
How to Locate Unclaimed Money

How to Locate Unclaimed Money

In the U.S., there are billions of dollars in abandoned or unclaimed money.  Most of it is in very small amounts, perhaps not enough for most people to bother with, but some is not.  These …
Tips for Avoiding Bank Overdraft Charges

Tips for Avoiding Bank Overdraft Charges

Having overdraft protection at the bank is a very wise decision, but there are charges if you still overdraft. The best tips for avoiding bank overdraft charges are to budget accordingly so that you can …
Is my Insurance Legal

Is my Insurance Legal

Contracts are a mystery to the general public. Nobody seems to read them until there is some kind of a problem, and then they realize what it is they have actually agreed to. Nothing should …
What is Equity Risk Premium

What is Equity Risk Premium

Investments in securities and the equity markets are common vehicles for increasing the value of capital. Which type of investment is best? The calculation of equity risk premium provides the answer. Risk-free investments like government …
Why Budgets Fail

Why Budgets Fail

Why budgets fail can’t be answered with one answer. There are many reasons why budgets fail it comes down to the individual. Budget failings could from lack of discipline, unexpected events, financial adjustments, poor planning …
A look at how Car Title Loans Work

A look at how Car Title Loans Work

Car title loans are centered on a secure offering of a car in exchange for a loan from a willing lender. While they seem good at first because they offer loans to people with low-incomes …
UK Vat Tour Operators Margin Scheme

UK Vat Tour Operators Margin Scheme

The Tour Operators’ Margine Scheme is a special rule governing how tour operators (including trip and conference planners) charge VAT on the services they provide. The VAT, or value-added tax, is the UK’s consumption tax. …
Advantages of Early Retirement

Advantages of Early Retirement

For many people, they have the goal of early retirement. They are tired of the daily grind at work, and tired of their jobs. They don’t like working 40+ hours every week, and they see …
Smart Things to do with your Tax Refund

Smart Things to do with your Tax Refund

The dreaded tax season is upon us.  According to the Internal Revenue Service, 90 percent of Americans receive some sort of tax refund.  Despite whatever amount you get from the tax man, you should think …
Buying Real Estate in Bali

Buying Real Estate in Bali

Most of the time after having spent a few trips traveling to Bali and staying in a villa, Bali rental may seem like something you want to get past. You may even think about moving …
Total Return vs Market Capitalization

Total Return vs Market Capitalization

It’s not easy for a virgin investor to drown out the all the investment-machine noise, especially when you’ve got HD “Squawk,” coming at you morning noon and night. And to make matters worse you might hear …
Coin Investing

Coin Investing

If you are reading this then you have an interest in investing in coins such as silver, gold, palladium or platinum.  If you are looking to invest then you are thinking money in your pocket …
War on Drugs

War on Drugs

Sponsoring Terrorism The War on Terrorism IS NOT a political toy. It is a real and present danger for the civilized world and should not be used to perpetuate others ideals upon the masses. To …