Diversification is a well-known strategy for reducing the risk inherent in financial products. By spreading money around in different instruments you can minimize your exposure to any negative impact that may arise if one particular …

Investment risk tolerance ranges from low to high with the lower end of risk tolerant investors choosing financial instruments such as insured bank accounts or financial instruments and/or guaranteed investments such as certificates of deposits, …

For those taxpayers who took college courses or employment training in 2010, the money spent on these courses can result in lower taxes.  The Internal Revenue Service has specific requirements on how much can be …

In this down economy, many people are looking to find some quick, easy cash. Have you considered turning your gold jewelry into cash? It’s simple, quick, and legitimate. Chances are, if you sift through the …

Twenty-one feet. To a police officer approaching a potential suspect, everyone is armed. “Innocent until proven guilty,” only applies to courtrooms. The police officer who approaches everyone thinking that they are unarmed and friendly doesn’t …

The American Medical Association has a mission to “promote the art and science of medicine and the betterment of public health.” However it is concerned that the high level of undergraduate and graduate student loan …

Landlord/tenant disputes can incorporate just about every possible problem under the sun. One only has to read a paper or online article these days to find some headline or other that demonstrates this. Many scenarios …

Retirement is one of these things people fail to prepare for adequately. This leads to many elderly people leading miserable lifestyles wallowing in poverty. The saddest thing is that these individuals are frail and cannot …

The Durbin Amendment is an addendum to the 2010 Dodd-Frank Financial Reform and Consumer Protection Act. Its primary function is to cap fees related to retail debit transactions in order to lower retail costs and …

Understanding the benefits of Amber Alerts? What’s to understand? It is a given. Amber Alerts can save the life of a child. They have saved children’s lives. For those who can’t grasp the concept put …

I have a question for everyone; what are laws? The dictionary defines laws as: a rule of conduct or procedure established by custom, agreement, or authority. Now the real question is who started this custom …

The New Jersey landlord and tenant laws were enacted in an endeavor to promote healthy relationship between the two parties. If you are a landlord or a tenant, it helps you if you are aware …

With so many banks in operation it has now become very difficult for a person to choose which one is the right fit. Where to keep one’s money is a huge decision that should not …

In today’s economy it’s more important than ever to create and stick to a family budget plan. Creating a family budget plan is easy but it’s important to have the entire family on board with …

Before applying for a student loan it is wise to think about how you will be repaying the loan. Even though you may think you have many years ahead to solve that problem, the truth …

Hard money loans are usually privately financed loans, unlike those offered by a bank or other financial institutions. They are a specific asset-based loan set against real estate. A private hard money lender, sometimes known …

Ross Stores, Inc. (ROST) is a S&P 500, Fortune 500 and Nasdaq 100 company  and is one of the big three off-price retailers of home accessories and apparels in the United States. Operating with over …

You don’t need to be an accountant or a financial wizard to create a simple budget for yourself or your household. If you are comfortable with using basic spreadsheet software on a computer, that’s fine. …

The El Paso Intelligence Center (EPIC), a multi-agency regional intelligence center in El Paso, Texas, gathers and disseminates information about drug and weapons trafficking, alien smuggling, and terrorism activities. The agencies at the core are …

Writers who wish to use references to other works in their material often face the dilemma of whether or not permission must be obtained to avoid charges of copyright infringement.  Often written works restrict use …

FHA insurance or Federal House Administration insurance, is a type of federal assistance and allows lower income Americans to make a loan for purchasing their awaited homes. In order to obtain the required mortgage insurance, …

The most important consideration when shopping for homeowner’s insurance coverage is to insure according to replacement value, not fair market value. While the house itself might appreciate, your belongings, unless collectibles, will certainly depreciate and …

Determining how much money you should invest is never a simple decision. There are many factors that go in to investing. What are your goals? How much money do you make? What are your expenses? …

It’s sad that government watchdogs were not aware of Bernard Madoff’s activities, or just ill-equipped to stop what he was doing before it was too late. Madoff won’t be released from prison, and that may be as close …

Every employer will inevitably find themselves in a situation where they are faced with the task of terminating an employee. The grounds for termination may vary, but it is indisputable that the process must be …

The goal of the Innocence Project is to exonerate wrongfully-convicted and imprisoned individuals using DNA evidence, as well as reform the criminal justice system to prevent similar acts of injustice. It was founded in 1992 …

Not all sex offenders should have to register. The laws have become so broad in defining what constitutes a sex crime, that many young people, who would probably never commit another offense, are on the …

Many things influence the price people pay for renters’ insurance. The age and location of your building affect insurance cosrs. Renters’ insurance pays to replace your personal property like clothing, electronic equipment and furniture if …

You’ve seen the commercials of senior citizens making the claim that reverse mortgages saved them from financial ruin, or that They were able to be financially independent because of a reverse mortgage..Sounds too good to …

Mental retardation is an often misunderstood disability. Perhaps this can be attributed to the different levels of retardation. According to the American Association on Mental Retardation, this disability is characterized by sub-average functioning coinciding with …