The criteria for selling a mutual fund differ greatly from those guiding the buying and selling of individual stocks. Fund management change, long-term underperformance, and shifting investment strategies are all valid considerations Mutual funds are …

Lead is a very toxic substance that the EPA wants to remove from the environment. Paint, dust, and soil can contain harmful amounts of this substance. The EPA has rules regarding repair, painting and renovating. …

Home owners insurance. Due to market fluctuations, your house might be worth less than it was even a year ago. While that looks badly, the thing to keep in mind is that you are probably …

Car title loans are a bad idea because the very thing you need the most in your ever moving world is used as collateral: Your car. As is with most times, this car is the …

It is often difficult to determine the indication of needing to file a property tax appeal, but there are signs. The following are a few good indications that a property tax appeal is necessary: One …

Money, aka the hardest item in life to hold onto.  A two year-old trying to hold onto a lollipop, while hanging upside down on a trapeze swing at Cirque du Soleil, doesn’t have as much …

Racial Profiling belongs on the trash heap of bad policy along with the Nazi racial theory it resembles.  Despite its ineffectiveness and cost, there are bureaucratic advantages: it requires a great deal of time and …

Dividends, shares, and preferred stock all refer to concepts in stock investments. Shares and preferred stocks both refer to forms of equity, or ownership, in a corporation. Dividends are payments which may be regularly made …

When you put your money into a bank you have every reason to believe that it is safe and secure. The little FDIC signs reassure you that your money is safe- there is no risk. …

In layman’s terms, negligence is the failure to exercise ordinary care either via an action or omission. Negligence that is a breach or violation of Tort law occurs when a person does not take the …

Often, people will avoid investing because they believe that you need a large amount of money to begin investing. This is an unfortunate misconception.   Great fortunes can be built investing small amounts of money …

The author has at times been very actively interested in the stock market.  At other times not at all.  When he has been interested and invested actively, he has regularly gotten returns of about 20% …

With General Motors bankruptcy, the Federal government has become it’s partner. Now corporate control has gone from the company, to the unions, to the feds, who have all well demonstrated that they can’t operate a …

There are several hurdles that a trader must jump over throughout the day to remain focused. It’s challenging trading from home for a hobby or a living. Its almost like your fighting an enemy of …

The rupee was first introduced by Sher Shah Suri, Emperor of North India, in the 16th century, at a ratio of 40 paisa (copper pieces) to the rupee. Historically, the rupee was on a silver …

1. Discover and use your talents.2. You can get what you want by helping others get what they want.3. Be completely honest in your business practices.4. Invest in yourself.5. Utilize the talents of others.6. Constantly …

Created in 1787 and established in 1789, the Supreme Court is the final interpreter of the U.S. Constitution. Nominated by the President and approved by Congress, the role of Supreme Court Justices is to ensure …

Recently the St. Petersburg Times (the #1 newspaper in the Tampa Bay Area) broke a story about how a former inmate is suing Prison Health Services Inc. (PHS) for the terrible neglect she suffered while …

So you just inherited some money from rich Aunt Penelope and you decide to invest some of it in bonds. You are afraid to though because you don’t know what all those different terms mean. …

Saving for college education is something many parents take for granted not realizing the enormous burden it may incur when it is actually time to ‘pay’. At the same time, not taking into account the …

In the world of stock options, a collar strategy protects the equity used by investors as the primary concern to the downside of risk of a stock position. For those willing to put a cap …

What would you do if your furnace died in the middle of the winter or if your car started smoking when you got in to go to work one morning? Most people would get the …

The relationship between the value of the dollar and stock prices is complex. Stock and shares are what is known as equity in a company. The owner of corporate stock owns a small piece of …

Having a bank account is always a good idea despite your financial status. “Poor” is a definition that can vary from person to person. If you are struggling to survive, financially, and sustain your daily …

Unlike in more profligate times it is no longer easy to obtain a credit card without an established credit history, resulting in a catch 22 situation. One of the best ways to establish a good credit …

Many states in the United States, as well the Canadian provinces and other nations with legal systems based on the British model, have established “small claims” courts to hear civil suits for modest amounts of …

Online banking provides a perfect opportunity for people to stay close to their finances and can be a big help for those who wish to take control over their financial affairs. Using online banking has …

Free Speech and Teachers Teachers expressing their opinions concerning public issues have been tested by the supreme law of the land through many court cases. There definitely is a different standard applied to public employees …

The debate over whether it’s a good idea to purchase life insurance for your children rages on. You can purchase insurance for them, but you’ll need to know the difference between the two primary types …

Homeowner’s insurance companies use different methods to calculate the payable amount in the event of a loss. It is advisable to have a clear understanding of some important concepts related to homeowner’s insurance. “Replacement cost …