The rules governing copyrightable work created by two or more authors vary from country to country, although they tend to be similar. In the United States, work created by two or more authors Along with …

Some Tips on Investing in Commercial Real Estate. If there is any good thing that has come out of the recent crisis in the mortgage industry in the U.S., it is that some people who …

Private placements of securities, for the purpose of raising capital, are something most individual investors only hear about in a press release long after the shares or bonds in question have been fully allocated to …

With the onset of the Industrial Revolution in the late 1880s wealth and power in America consolidated. From what were once small family business across the County sprang giant corporations that controlled the most important …

Calculating how much you can afford on a new home essentially involves subtracting the total cost of purchasing the home from the total funds available for the new home. If the number is negative, then …

The simple answer to the question, of course, is “no, it isn’t fair.” But “fairness” should not be the question. The words, “fair,” “faithfully” and “force” are emotionally charged and should have no place in …

Doorstep lending via home credit loans is a popular choice amongst UK residents who have poor credit and typically low incomes with no access to bank accounts. Licensed home credit companies offer cash loans which …

By submitting Internal Revenue Service (IRS) Form 4868 by the April 15 deadline, a taxpayer is granted an automatic six month extension for filing their taxes until October 15. However, while this certainly helps in …

Recently, I have noticed that the advent of 24 hour drinking is finally coming into fruition in the grand ol’d City of London. Of course this is causing an uproar, society will collapse! We will …

Whether in use by corporations worldwide or as depicted in criminal usage throughout cinema and other popular entertainment, the question persists as to why people use Swiss bank accounts. There certainly exists an implication that, …

I recently ran across something that I honestly hadn’t heard about yet. It is a bone-chilling example of how we are either losing (or are in the process of losing) our individual rights. Before I …

Life Insurance holder of a policy pays a premium, for a period of time (term life or “pure insurance”), from one to thirty years. Any time, during the term of the policy, if policyholder dies, …

Permanent life insurance comes in a variety of types but essentially they all do the same thing, and that is cover a person from date of purchase to date of death with death benefit. The …

Governments worry about debt crises in these uncertain times. Ordinary people worry about personal debt too. Debt can overtake you and give you sleepless nights. The more slowly that you pay debts, the more interest …

It’s college time and all you want to be doing is thinking about having a good time instead of worrying about where your money is going or how you’re going to pay for fees, nights …

Shopping Secrets Stores Don’t Want you To Know Close your eyes and think about the layout of your favorite store. You probably know it like the back of your hand. What you might not know …

During the recent economic downturn, people found it difficult to meet up with their mortgage or loan commitments due to many different reasons. In response, banks and other financial institutions took steps to sell the …

This year you got the message that you owe money. It isn’t a question of writing a check for $900, because you don’t have it. So what do you do? The answer to that question is …

Everyone has to pay a bit in order for society to move on, grow, and evolve into a better society.  Development of all forms is essential to life. However, the poor by their very definition …

A basic concept of homeowners insurance (indeed a basic concept of property-casualty insurance in general) is the “peril.” A peril is defined as an event directly resulting in tangible loss. Whether an insurance claim is …

Brokerage account management is one of the most exciting aspects of any financial service specialists work. There are great risks but there are also great rewards. There are a number of responsibilities that are inherent …

The broad definition of insolvency is the inability to pay debts as they fall due. While almost everyone is short of funds at various times in their life, true insolvency is a circumstance where you find …

Insurance comes in many forms and there are certain coverages that are needed depending on what a person’s needs are. There are coverages that are needed by most everyone and they include automobile coverage, personal …

In the business world, maintaining the working capital or the cash requirements for day to day operational activities is a common problem, especially for small businesses. These businesses heavily rely on the receivables in order …

If you are in a relationship that is serious, there may come a time where you start sharing things as a couple. You might share a house, share a car and you might even start …

Has an emergency come up and you don’t have the money? Is your budget too tight to be able to afford what you need? Or you simply made a few bad choices when it came …

When asked how to avoid penalties on premature distributions many financial advisors response would include something about a “72(t)” rule. 72(t) is actually a section of the IRS code that deals with the penalties associated …

Everyone is looking to save money in the current financial climate right? Businesses that seem to help you to save money or to stretch your shopping dollar further become the businesses that you frequent over …

Microsoft Corporation (NASDAQ MSFT) has been in existence since April 4 1975. As one of the earliest and better established computer software companies, Microsoft has developed from its humble beginnings selling BASIC interpreters for the Altair …

Nationally available, the Wise-Choice Checking account through Venture Bank Direct is an internet banking option with reward checking. The APY is 3.5% up to balances of $25,000, with balances greater than $25,000 earning 1% interest. …