American depositary receipts are certificates of stock representing foreign companies, and are listed and traded on a U.S. exchange per Financial Web. ADRs give the U. S investor exposure to foreign markets. An ADR can …

The great American dream of home ownership has long been the stuff legends are made of. In spite of the lagging economy in 2012, and record high mortgage foreclosures, home ownership is still a dream …

Most people will take out some form of insurance in their life for protection and peace of mind. Insurance is an important form of protection for your health, car, life, business and possessions among others. …

In the beginning, selling mutual funds was relatively straightforward. Fund shares were sold by independent brokers who received a fee – or sales charge – for their services. Since the investment world was unknown territory …

Frugalism.  That is the word that more than a lot of people will have to have now. This is especially so in this ‘age of austerity’, in which frugalism will play a major part. In …

Capital market instruments are debt and equity instruments with maturities greater than one year, meaning they aren’t meant for real short term investments. Typically, these investments tend to be a little more risky than others, …

Everybody enjoys a vacation as it provides your tired muscles the opportunity to get over the rigours of hard work and your mind an opportunity to take a breather. Many people view many of their …

Loans affect your credit score plain and simple. How loans affect your credit score is another matter entirely as this article will demonstrate. Credit scores are derived from credit reports that illustrate your credit profile …

The risk and reward of investments go hand in hand and are directly related. The higher the risk, the higher the potential reward, and the lower the risk, the lower the potential reward. When it …

In implementing covered calls, an investor or trader may do so with the belief the price of stock will remain flat or decline in value before a stock option’s expiration date. Combining this principle with …

This is a tiresom debate. Millions of words have been written by millions of very bright people in a thousand countries both PRO and CON and still we have the arguments. From a religious standpoint, …

In Tuesday’s Las Vegas Review-Journal, there was an editorial concerning the medical marijuana situation in California. I have my own arguments and opinions about this subject but I won’t bore you with them now. Being …

It’s that time again for College students both: male and female, young and old to file your FAFSA or Free Application for Federal Student Aid. If you’re an older adult going to college for the …

Broadly, eminent domain is a process by which a governmental entity appropriates private property for public use. In the United States, the last clause of the US Constitution, commonly referred to as the Takings Clause, …

People work hard, spend hard and save a bit which is best in today’s day and age and if small amounts of savings are maintained in a disciplined way, it can amount to quite a …

In my experience, as an attorney, I would have to say that yes, criminals convicted of non-violent crimes should face jail terms. Maybe that is not really surprising given my career, but I can justify …

There’s no doubt about it, age discrimination claims are on the rise. Before exploring reasons for their increase, it helps to know what it is and the laws governing this type of discrimination. Simply put, …

Many wonder if there are student loans offered with no collateral. There is no simple answer to this question as it really depends on the applicant’s qualifications. There are of course federal loans that require …

Retirement is quite a contradiction of definitions, emotions, and meanings as you go from one person to the next. In some cases, it is the classic view of an endless summer spent on a beach …

State and local governments levy a variety of different taxes within their jurisdiction. While people still in the workforce have limited options in choosing the location of their residence once on a career path, seniors not tied to any …

Words of Wisdom on Flipping Flipping houses is a great way to generate cash when done properly. You don’t have to be rich, and you don’t have to be a carpenter. To be a successful …

During the holiday season, an immense burden to purchase the “right” gift or find the “perfect” sentiment is often also met with an additional burden. We will call this burden “reality.” Reality likes to strike …

Working as a freelance writer can be challenging and rewarding in equal measure. However, given that writing is a creative endeavour, sometimes it is easy to forget the relatively “boring” business and legal side of …

Even in the wake of President Obama’s Affordable Care Act, healthcare costs rise, costing more and more Americans an increased portion of their paychecks. Yet, even in the wake of an act designed to make …

With home prices pushing lower and mortgage rates at or near historic lows it has become a buyer’s market in housing. Some sellers, notably builders, are offering some interesting incentives in order to induce a …

Homeowners insurance provides protection against financial losses resulting from damage or destruction of the home as well as loss of the home’s contents or use and limited accidental liability coverage.  Though it is a legal …

A home insurance price quote is used to provide valuable information to a prospective insured. A price quote provides coverage information, applicable discounts as well as the amount of premium for the policy. A home …

It’s an interesting question whether political correctness has undermined free speech in the USA. For one thing, the question implies there used to be real free speech in this country. Censorship is a bad habit …

For most adults alive today, we are currently in the second, or even, third serious economic crisis of our lifetimes. Yet surprisingly, despite having plenty of experience, it would appear from the buoyant frugal living …

Pursuing a career as a dentist is one of the most lucrative occupations a student can consider, with dentists income firmly placed in the top 5% group of incomes in the US. The American Dental …