The first thing to get out of the way with this article is that FOREX is not at all like picking stocks. Yes, it is possible to make money trading FX, but it is difficult, …

One of the most interesting developments in banking in the last couple of years has been the introduction, by some banks, of text alerts services. This article explores what these services provide, what they could …

Boy, do I have experience in dealing with this topic. Having former neighbors that actually were dealing drugs right out of their home, they not only put themselves in danger but all the neighbors around …

As hard as it may be to believe, there are people in the world who spend money without saving any. No, these people are not filthy rich and do not live inside of a bubble. …

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 …

Putting people in jail for every little crime committed is not the way to go. We need to find a new and better way. We have overcrowding jails these days, and these people just don’t …

A backspread, also reverse ratio spread, is a strategy used to trade when stocks are volatile. A trader can use backspreads when stocks are volatile, but without clear signal of where the volatility might swing. …

The financial and economic world revolves around contracts. A binding contract does not invariably need to be put into writing to prove valid. Verbal contracts between two people can have the same enforceable effect as …

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 …

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 …

One of the classic errors which a high percentage of people make is taking on financial products without a basic understanding of how they work. Decisions which are fuelled by a basic lack of knowledge …

In the last decade, a huge number of consumers entered the forex market. With the ability to trade forex online, many people have been exposed to major risks they don’t quite understand. Here are the …

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 …

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, …

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 …

Staring down 2010, the economy seems to be in turmoil with uncertainty prevailing in the stock market and returns on investments being riskier than ever. Investors are considering alternative investments such as mutual funds to …

When fortune smiles upon you, the exuberant feeling can often lead to reckless indulgence or lavish expenditures. While no one admires a petty old miser, there are some prudent steps you can take to maximize …

It might appear that this is for those who are younger and have time to follow the advice given, but it is never too late to begin planning to make your dreams come true. Plan …

Getting the offer in the mail for a zero percent interest credit card with a no-fee balance transfer can be quite appealing. However, regardless of the upfront appeal of an offer that typically seems too …

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, …

There are 4 main areas in which you can cut down on your living expenses. Budgeting your allowance for groceries and food items can help you save a significant amount of money over a period …

Forex Mini Trading – 7 Things You Really Ought To Know Trading the forex market using a mini account is a great way to get you started in forex trading. Below are 7 things you …

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 …

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 …

The problem here is our government has taken the job of parenting from the parents. At what point does a judge or elected official know what is better for a child than the parent. Perhaps …

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 …

Is credit leading to the downfall of society? That is a good question, and the answer is not a simple one. There are many good things that come with having credit, yet there are also …

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 …

Adults who decide to return to school to continue their education have the same college costs to meet as more traditional students, and will need to cover the costs of tuition, living and text books. …

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 …