Many people are obsessed with the thought of saving a few extra dollars on groceries. This has resulted in the popularity of warehouse clubs. Before jumping into this bandwagon, it is advisable to look at …

Calculating return on real estate investments at its most fundamental level involves subtracting all the costs paid into a property from both revenue earned during the term of ownership in addition to selling price. Subtracting …

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. …

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 …

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 …

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 …

Credit card debt, once amassed, can take forever to pay down if high interest payments are added to the principal debt each month. The surest and fastest way to reduce credit card debt down to …

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 …

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’ 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. …

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 …

Once we become vested in the social security system we start receiving annual statements that “estimate” our benefit. For a lot of us, these statements accurately illustrate the present value of your benefit. But for …

You’ve probably seen the commercials, whether it be on TV or the Radio. A man in a nice suit tells you how he can “pay off” all of your debts. He will tell you about …

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 …

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 …

An escrow account plays an important part in mortgage transactions. Essentially, escrow is considered to be money, securities or property that is handled by a neutral third party. For the most part, escrow is generally …

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 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 self-employed person can obtain health insurance in one of three ways. The first is as a self-employed individual, second as a self-employed person in a group, and third in coordination with another job. INDIVIDUAL …

A scam is a scheme designed to gain the trust of the victim then rob the victim of the funds entrusted to the scammer. An advance fee personal loan is not in itself a scam, …

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 …

The specific aspects of what to look for when choosing a credit card will vary hugely from person to person. This is simply due to the fact that, just as every person is an individual …

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. …

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 …

When should you file a property damage claim on your homeowners insurance? This is actually a simple process, the public just doesn’t know the three biggest factors. 1. Get an estimate for the damage. 2. …

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 …

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 …

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 …

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 …

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 …