Insurance is a monthly expense for most of us. Whether it is auto, home or renters insurance it is always there for us to consider. However, there are types of insurance that you should avoid. …

Many potential investors in the real estate market have been paralyzed, either by the fear that the market will continue on its downward slide, or by the lack of available financing. People that have been …

Here are some easy ways to save money on your boaters insurance: 1) Get your policy with the same company that insures your auto, home, life insurance, etc. Most companies will give you a discount …

Insider trading is tantamount to just plain “cheating”! If one wants to use the term insider trading to make it sound more respectable, then do so. Most of us would love to have some hot tip …

A bond is an interest-bearing negotiable instrument payable on the maturity date by the issuer. Corporate bonds are issued by corporate legal entities to borrow money for expenditures arising from business expansion. Corporate bonds are …

Bonds fluctuate in value primarily because interest rates fluctuate. When the bond is a direct obligation of the U. S. Government, interest rate fluctuation is the only reason for its fluctuation in value. We all …

Having a cash crunch? It happens to most of us occasionally. A couple things I’ve realized are 1) Worry doesn’t change a thing, and 2) It’s unlikely I’ll win the lottery. I’ve also learned that …

If it ever happens that you are declined when you apply for a credit card or loan the alarm bells should alert you to the fact that your credit score has most likely plummeted. This …

Getting a life insurance policy is one of most underrated and misunderstood yet very important financial moves you could ever make. In my experience, people avoid insurance agents because they don’t want to be sold …

Should you keep all your money with one bank? Well it comes down to the individual. Keeping your money with one bank has pros and cons. Most people usually keep their money in one bank, …

I am pro-life, but I believe there are circumstances where a woman should be allowed a legal therapeutic abortion:To save the life of a pregnant woman.To preserve a woman’s physical and mental health (such as …

With all things in our justice system, rules and laws were created at a certain time with a certain need in mind. The flaw with most laws is that there was never a loophole created …

Judge Vaughn Walker ruled on Wednesday, August 4, 2010 that Proposition 8 in California, which had stripped gay couples in that state of their legal right to marry, was unconstitutional.  Within minutes of the verdict …

The Federal Reserve has been creating bank notes backed by nothing of real value since 1971. This allows the government to fund expensive projects like wars without actually having the tax revenues to cover it. …

In a life insurance policy “Benefits” are only paid when the insured dies so the wording of this question is a little skewed.  Unless you pay more in premiums than the face value of your policy …

A simple answer to this question is that it depends: A cash back advantage can be good but often raises the price a great deal on an item. For example, I know that at the …

Taking credit cards along on ones travels can be a convenient alternative to travelers checks. Along with the convenience there are certain benefits to using credit cards overseas, including purchase protection and the ability to …

Some say that you have to spend money to make money. This is a myth in internet marketing. Let us show you how to make money at no cost with some effective ideas and internet …

Fico credit scores are big business these days and many older people lament the changes which the reliance on credit scoring has brought. Gone are the days of a cosy chat with your local bank …

Great! You’ve made the decision to purchase a personal financial software package to track your finances. But, before you go to your local office supply store to buy one there are some decisions that you …

Many websites display advertisements for convenient “payday” or “cash advance” loans. The principal behind these loans is to advance consumers anywhere from $200 – $1,000 to get through a rough financial patch until the next …

Speculative stocks should be paramount for an investor in their twenty’s. Twenty somethings have the graces of youth and many years left to work.This is why they have the ability to get themselves going when …

Should life insurance be purchased for children? The answer depends on whether you are the financial advisor selling the product or the parent buying the product. As with many financial services products, financial advisors are …

The Price to Earnings ratio (P/E ratio) is one of many ratios used by investors to evaluate how expensive or cheap a stock is relative to its historical cost. To determine whether a stock is …

Prostitution is said to be the oldest profession in the world. Yet it still remains illegal in some countries. Legalizing prostitution would take it out of the control of organized crime. The government could license …

Surety bonds are a mechanism that protect individuals and businesses from certain kinds of work or service related performance problems. For example, according to the Small Business Administration (SBA) surety bonds on contracts are like …

Loaded mutual funds are one of the worst investment ideas available. Essentially a loaded mutual fund is one that requires that you pay a commission to be part of the fund. You either have a …

In reality, your retirement plans are based on a plethora of assumptions. You have to set an expectation on how long you will live, what kind of long-term returns are plausible through the stock market, …

Foreigners who come from all over the world are seeking to become citizens of the United States. Persons either are born United States citizens or become one by naturalization. However, to become a citizen of …

I just don’t see how polygamy makes sense to anyone. Woman or man. Okay, so I’m going at this from the “I’m the jealous type and I don’t share my man” point of view, but …