A bear market is a prolonged period in which investment prices fall, accompanied by widespread pessimism.  Although figures can vary, a downturn of 20% or more in the Dow Jones Industrial Average or Standard & …

HOW REVERSE STOCK SPLITS ARE IMPLEMENTED A reverse stock split results in a reduction in the number of a company’s outstanding shares with a proportionate increase in its earnings per share. The market value of …

A financial plan can be divided into two major categories; protection products and accumulation products. This division is not arbitrary. The two categories serve different roles, but they also complement each other. Protection products are …

Try Croatia! The country is waiting for acceptance to the European Union and civilization standards, security, comunications and legal system have reached the western level. It is located in the very center of Europe, Zagreb …

The 529 Savings Account Plan is designed to help parents put their child though college. It is a state sponsored program, currently 16 states participate in the 529 plan. You do not need to live …

A real estate investment group can be the best – or worst – move you ever make. Getting involved with the right group can open you investing horizons to dazzling profits. Getting into the wrong …

Personal debt grows because a credit based society encourages it.  Life is difficult and at times consumers have no choice but to take out that emergency loan to pay off a medical bill or unexpected …

When comparing a whole life insurance policy to term life insurance, you will find that term life insurance will make a better investment. A term policy will provide life coverage only. This term policy will …

Some credit cards are better than others. I got a 0% interest rate as an introductory offer – but all introductory offers disappear eventually, and then you’re stuck with their standard rate. The first thing …

Federal student loans are at an all time high with more students applying and qualifying for the federal Perkins loan and the Stafford subsidized and unsubsidized loans on offer. Interest rates have been lowered, as …

Nobody ever wants to consider the possibility of suffering injuries in an automobile accident, bike accident or a motorcycle accident. These accidents often result in life-altering injuries that not only impact victims physically, they can …

When you feel that the time is right for you to buy a home, then it is time to take action and acquire your “dream” house right away. There are few steps that you must …

The Supreme Court has justices that should recuse themselves from the health care debate due to conflict of interest. Family members that are employed by corporations and special interest groups that lobby against health care …

The liberal media, and liberal politicians have suffered a serious disconnect with the majority of Americans. Since liberalism resides within the Democratic party, they suffer the same malaise. There is ample proof of the harm …

Top Ten Reasons to Get a Payday Loan On line People use payday loans on line for many reasons. They have an emergency and no extra cash to handle it. People of all backgrounds and …

Understanding what a formulary is on your health insurance plan is an important part of understanding the important nuances of your health insurance. If you do not understand the workings and reason of the formulary …

In today’s economy,  with so many people losing their jobs and others being forced to accept  pay cuts so as not to lose their  jobs, having a high income is far-fetched. Most people have to …

Are those who pass the death penalty murderers? Well, as Martin W Schwartz put in his article, murder is indeed the “Unlawful intentional killing of another human being.” That would make the death penalty a …

HISTORY OF AMERICAN ISRAEL PUBLIC AFFAIRS COMMITTEE (AIPAC)AIPAC evolved from the American Zionist Council, which was established by I.L. Kenen in 1951. It was registered as a foreign agent for Israel. However, three years later …

There are ten really important questions to know the answers to first before working with copyrights. This is important know-how for those truly innovative individuals, articulate, and artistic. The ten questions to be asked are: …

One of the most important financial accounts you will ever have is your checking account. Gone are the days when all you could do with your checking account was write a check. Today, your checking …

Morocco easily ticks all the boxes as an undiscovered place for a vacation rental home. With flights from the UK being less than three hours’ duration and around six hours from the east coast of …

Making the weekly shop last longer also has the added benefit of saving money. If one has time shopping can become a matter of great strategy and skill. First thing to remember is buying in …

Equate, and other store brand or generic products, make money by replicating name brand products. In many cases generic product is not a knock-off product, but is made using the same recipe, by the same …

The UK pension age has changed for all UK nationals who were born in the 1950s. For women this means that if you were born before 1953, or men born previous to the 1951, you …

Stun guns have been used many times in the past by the police force, and why stop now?  Stun Guns are the most efficient way to take down a dangerous criminal without using a police-issued handgun …

The interesting thing about student loans is that once you graduate from your university, you could owe an amount that equals the cost of a home. Additionally, should you expand your educational expertise and attend …

Debt stress could be a most annoying thing whether at home or in the workplace if it is not confronted in good time.Most people lack the right approach,the professional tool to go about the problem …

For many years, internet banking has become a much sought after way of life for those who do not like or have the option to wait in the queue, travel to a bank, fill out …

When you own a home, you must have homeowners insurance to cover any accidents or disasters. The premiums are based on the amount of coverage you have, but over the years your coverage limits may …