If you have a defined pension plan when you retire, you will be faced with a critical decision. You will be asked to decide whether it’s more important to have higher monthly pension benefits or …

When it comes to mutual funds, and value in mutual funds one of the first and best names to come to mind would have to be Vanguard Mutual Funds. Vanguard offers a large variety of …

What should you do if you find yourself with twenty dollars and no idea what to spend it on? You could spend it on a trip to the nail salon or even go out to …

The social media website Facebook has expanded over the past few years and it is estimated that there are now over 8 million people who are signed up to the website. The following link illustrates …

Almost all forms of borrowing money involve paying a fee or interest for the pleasure. Advanced cash payday loans have a reputation for carrying particular high fees, but in reality they are not necessarily the …

In the excitement and barely controlled chaos that is the transition to college for many students, banking and finances often get short shrift. Much thought is given to the big financial picture of paying for …

Credit card rebates reward your normal spending Credit card rebate programs can be a great way to get rewards just for spending money that you would have spent anyway. The ever increasing variety of reward …

The answer to the question of whether drug abuse is a health problem or a crime problem hinges on answering two further questions: (1) Are drug abuse and addiction a disease?; and (2) Are people …

Down markets can be good news for stock investors as well. “Buy low and sell high” is a well-known mantra but if it were easy to do, we’d all be rich. In the broad market, …

Just ask any man with an itch to scratch and no will power what the benefits are in legalizing prostitution. I don’t know of any overwhelming argument as to why it should be legal, but …

When you come to take out auto or property insurance, or even renew existing policies, are you aware that your credit score is used as a factor in determining your premiums? It doesn’t have to …

This has to be the one topic that infuriates me the most. I have more than a handful of male friends that have custody of their own children. I have a sister-in-law that has 3 …

Credit has become a means of getting what you think you want immediately, because society itself encourages us “now, now, me, me” mentality. Credit is too easily obtainable, and it has taken me quite a …

Convenient as they are, credit cards also provide the potential for anyone to get themselves very deep in to what may well become unmanageable debt. Credit card impulse spending can be something which proves too …

The amount of competition for your business when it comes to insurance is amazing. A simple Google search for insurance will yield 452 million results! Because there’s so much competition, prices are falling through the …

Along with owning a home, a major dream for most Americans is to live debt free.  There are both pros and cons of living debt free. Pros of living debt free Many people may think …

The term sui generis is a Latin word which means of its own kind, that is forming a class of its own, or, in other words, is unique in its characteristics. Intellectual property refers to …

An allodial title is used to distinguish absolute ownership of land, buildings, and natural things (trees, etc.) on a piece of property. Allodial titles are inalienable and cannot be taken away by any operation of …

Being a member of the military is, in many ways, choosing a career that offers stability and security. There are many wonderful benefits that the Armed Forces offers its soldiers. There are also some insecurities, …

Financial planning is not an activity exclusively for the wealthy; it is a useful tool for everyone, no matter what their level of wealth or what stage of their lives they are at.  It helps …

We often find ourselves wondering why we are the only single person on the road who knows how to drive. The question arises, “How did they ever pass their license test?” However, sadly enough, at …

Amendment 64 http://www.regulatemarijuana.org/s/regulate-marijuana-alcohol-act-2012. Marijuana has been kicked back and forth between politicians for many a year now and even though 64 passed, it doesn’t mean the Feds will respect the voters of Colorado. Cannabis is …

One place you may find yourself at a lot is the bookstore. This is especially true if you are a student, or you simply enjoy reading books for fun. The only problem with good books …

Graduating from college is a major achievement in someone’s life. However, it comes at a price. With tuition fees higher than ever before, it is becoming an increasing financial burden upon graduation to pay off …

Most working people can’t afford a financial advisor when they’re just starting out, unless they start out making big bucks. Hiring a financial advisor is something that is probably more appropriate when you’re about halfway …

Once your credit reputation is blemished you will find it almost impossible to obtain an unsecured credit card from a reputable lender. In the wake of so many defaults lenders have tightened up their lending …

Buy low, sell high. This is the truth of profitable trading. Peter Lynch, one of the most respected investors in history, said it another way: “Buy when there’s blood in the streets. Sell on euphoria.” …

HELOC – Home Equity Line Of Credit So you are thinking about a HELOC, that’s the acronym for Home Equity Line Of Credit. When do you use a HELOC. Most people use these lines of …

There’s Gold in Them Thar Bills! If this were an old western movie script the phrase “Hec’m” might just be a contraction for “Heck, Ma’m,” as in “Heck, Ma’m, there’s gold in them thar hills! …

Exchange Traded Funds, also called ETF’s, have an array of financial advantages not necessarily available through competing financial products and instruments. This article will discuss ETF’s, their benefits and ability to advantage investors’ financial objectives. …