Easy Ways to become Richer

Easy Ways to become Richer

To become richer you need to spend less money, get more money or combine both options. However knowing how to cut expenses and rake in more cash may be difficult. Once you’ve stopped buying expensive …
Increase Savings from Coupons

Increase Savings from Coupons

Coupons are found in the Sunday paper, online and even in our mailboxes but most think they’re too much of a hassle for the limited amount of savings that is produced from their usage during …
Paying off Credit Card Debt

Paying off Credit Card Debt

There are many easy ways to avoid credit card debt and there are several articles that prove that, but if you are like me, and started the credit card debt cycle in college when you …
Guide to the Hyip

Guide to the Hyip

What is HYIP?HYIP simply stands for High Yield Investment Program. It is exactly what it’s name says. It is an online investment program with high potential returns. But the name omits another important aspect of …
Mortality Tables and Life Insurance

Mortality Tables and Life Insurance

The concept of mortality is a critical one to life insurers. Their business model revolves around providing coverage against mortality risk. However, actuaries do not only use mortality tables for life and health insurance specifically, …
How Interest Accrues on Credit Cards

How Interest Accrues on Credit Cards

If at all possible, pay off your credit cards every month.  If that isn’t feasible, then make sure to only use those cards with lower APR.  Having to pay 20% or more interest on purchases …
Should you Work after Retirement

Should you Work after Retirement

Should you work after retirement?  If you are fit and in full use of all your faculties there is no reason why not.  Although the money you will receive for such endeavours is a bonus, …
Costs associated with Mortgage Financing

Costs associated with Mortgage Financing

One of the biggest mistakes which new home buyers make is buying more house than they can afford. Many borrow up to the limit which is available without giving consideration to the other associated costs …
Strange Laws of Hawaii

Strange Laws of Hawaii

Hawaii is the youngest of the United States, being granted statehood in 1959.  The state motto is “the life of the land is perpetuated in righteousness”, taken from the royal motto of Hawaii back when …
Why your Premium is so High

Why your Premium is so High

Insurance premiums are affected by a wide array of variables. These premiums can also different drastically from one company to another as well, based upon the different criteria that they rank as important in determing …
Exchange Traded Funds Etf vs Mutual Funds

Exchange Traded Funds Etf vs Mutual Funds

Exchange Traded Funds (ETF) started in 1993. Provides an investor, means of investing into an index that follows a particular sector such as the NASDAQ – 100, Standard & Poors (SP) 500, Dow Jones weighted …
Managing Student Loans

Managing Student Loans

Single parents are often stuck in a poverty trap and education is the best way out, as a degree can significantly improve career opportunities. For single parents  the art of juggling become a necessity if …