What is an investment style? No two investors are exactly alike. Each approaches investing with different emotions, resources and goals. Figuring out and understanding your investment style before you begin investing can avoid costly detours …

P { margin-bottom: 0.08in; }A:link { } Ever since taxes have existed in America, the ability of municipalities, states and the federal government to legislate revenue earning mechanisms has been a reality. Such being the …

The terms “churning” and “twisting” are sometimes used interchangeably. Precisely, twisting is the broader term which denotes the attempt to generate commissions by replacing policies, usually at the detriment of policyholders. This may seem straightforward …

There are a number of factors that a student should consider before taking on an auto loan. Car loans can be tricky deals, and a student often finds themselves in a precarious predicament with their …

Life insurance is purchased for the financial benefit of your chosen beneficiaries after you pass away. They can use it for anything they choose, as long as there aren’t any other directives telling them they …

Going to the movies is a great form of entertainment for many but the cost can add up. There are some ways to save money when going to the movies.  If it fits into you …

First of all, we must first understand by what is meant by ‘consumer debt’.  Consumer debt is any debt that has no interest attached to it.  So, for example, debt that would have interest attached …

The 401k is designed for you to save funds for your retirement. The fund will make a significant share of its profits through compound interest. Compound interest works over a long period of time and …

Small children respond to their parents’ saving habits and attitudes, even when they are not being expressed directly. Children learn by living and observing. They are a mirror of their parents’ habits, both good and bad. …

A cohabitation contract is an important document written up between two people who live together but who are not married, and it acts in much the same way as a prenuptial agreement. Cohabitation contracts typically …

The high costs of returning to college to pursue a degree need not be a deterrent to single parents within the state of New Mexico. Due to the growing trend of non traditional students in …

Be comprehensive, have perseverance and follow these simple tips to get your complaint addressed by even the largest of corporations. Large companies weather the storm of their poor service because they realize that humans are …

I am amazed at how little knowledge most people have regarding estate planning. Far too many people express the belief that the state will take at least some of their property if they die intestate …

Junk bonds or speculative bonds are common term used for bonds that are rated below investment grade by the three major investment rating companies: Standard & Poor’s,Moody’s,and Fitch. Each company employs its own methods and …

Are you looking for the best ways to pay down debt? There are several options available and each depends on what the debt is, how much it is for and your ability to pay it …

So what do your Investment Manager and your neighborhood bartender have in common, other than the probability that you spend more time with the latter during market corrections? Antoine Tedesco, in his “The History of …

In Canada, where social security is one of the best in the world, an “investment vehicle” such as the Registered Retirement Savings Plan (RRSP) would seem like overkill. This is especially true with the presence …

Capital punishment is a form of human sacrifice. There seems to be a belief that the state, ritual killing of someone found guilty of a crime will salve the stress of those offended against and …

The Massachusetts Abandoned Property Law (M.G.L.c. 200A), protects consumers in a variety of ways. In addition to ensuring that property that is escheated to the Commonwealth under the unclaimed property laws, these laws also help …

Certificates of Deposits CD’s are vehicles which allow you to save money for a specific period of time. Normally the period ranges from 30 days to 60 months and during that time you cannot withdraw …

You hear a lot about credit score, and the importance of them, but sometimes people can only get approved for cards with low credit limit. So, it’s worth asking the question as to whether low limit …

Often the terms investing and speculating are used interchangeably and for many the difference between the two is lost. However, in reality there is a fundamental difference between the two. Investing is a strategy over …

Healthcare maintenance organizations or health insurance organizations share a common purpose and that is to protect you financially against any illnesses or health related financial strains by shouldering the responsibility of your hospital and medical …

In the highly competitive insurance industry, policy premiums and levels of service can vary widely.  When you are shopping for homeowners insurance, the time you invest in careful research can result in significant savings. Thorough “homework” can …

Bridge loans are commonly seen in commercial lending, with some availability in the residential market to assist home buyers with very special circumstances. A bridge loan is a form of a “hard money loan”. Hard …

Apparently, a lot of people don’t understand the language of money. Understanding how money works can spell the difference between fortune and poverty. Statistics show that less than 5% of the world’s population control roughly …

As a means to help accommodate military families, the government has the Military Tax Relief Act of 2003 which has been signed into law on November 11, 2003. Under the law, there are various items …

Have a brilliant idea that was never advertised or seen anywhere before?! In that case, this might just be your lucky day and a clear opportunity to get some reward for your intellectual mind and …

Because everyone makes mistakes, the IRS has devised a way for you to fix mistakes made on your federal income tax return. The method is to use the 1040x form for filing an amended return. …

The difference between a fixed rate mortgage and a variable rate mortgage is essentially that a fixed rate mortgage has a single fixed interest rate that is determined at the time of loan approval or …