Do you prefer the nickel slots or the high-paced game of craps? Your answer may also apply to your risk tolerance for investments. While small bets on slot machines may protect you from big losses, …

236 years ago, the colonies residing in America decided they no longer wanted to be part of the British Empire. A small group of men chose to lead a revolution against the biggest government in …

Ever thought of marrying to become financially stable? Well, if you never did, then it’s time you start thinking about it. During these times of economic meltdown and unexpected fall in asset prices and job …

Want to spend less on getting your children kitted out in school uniform? You’re in luck! The cost of children’s clothing has never been so low with major high street players such as Marks and …

When a consumer purchases a home from a lender, the lending institution holds a lien on the property until the loan is paid in full. This means that the bank or mortgage company holds the …

“To promote freedom, fairness, and economic opportunity by repealing the income tax and other taxes, abolishing the Internal Revenue Service, and enacting a national sales tax to be administered primarily by the States.” That is …

Several pieces of legislation regulate who may obtain a copyright, the works eligible for copyright, and the rights associated with the copyrighted material.  A copyright protects intellectual property whether published or not.  The copyright owner …

Debts are serious financial responsibilities that you must immediately settle and pay off. Debts, irregardless of how small or huge they are, can create a life of their own; and if left unsettled, can result …

Change is the only thing that is consistent in this world. In a world full of inconsistencies, what is happening today may not be happening tomorrow. The same goes for your health. You might look …

Car insurance is required by law in all states. With insurance rates going up, it makes sense to try to save anywhere you can when it comes to your car insurance.  There are some basic …

Moving to a new location to retire is common among United States citizens. However, in order to really adjust well in a new state, many things have to be kept in mind. Among all those …

Starting a family is so tough. There are a lot of adjustments to be made and the responsibilities will increase tenfold. Many couples who are starting out struggle a lot because they don’t know what …

There are two basic types of life insurance, and premium payments are processed differently for each of them. Failure to pay your premiums will have a different effect on your policy depending on the type …

So you are a first time home buyer and you have no idea how to decide which mortgage is the right one for you?! I can help guide you a little with this article but …

What is best for me : bonds or bond funds? The answer to this question is not always easy to answer and it depends also how long you don’t need your money. If you invest …

Adjustable Rate Mortgages are not only risky but are more expensive than fixed rate mortgages In today’s market the interest rates on adjustable rate mortgages are higher than the fixed rate mortgages. While this doesn’t …

WHAT TO DO IF YOU HAVE NO MONEY TO PAY TAXES BY THE APRIL DEADLINE? IMPORTANT REMINDER: None of the options discussed in this article excuses you from FILING an income tax return on time …

Before the Purchase Purchases need evaluation from many angles rather than just price. . The price is not enough to consider before purchasing. By answering a few questions, we can evaluate the true value of …

Anger towards the Internal Revenue Service (IRS) is nothing new, however, it never ceases to amaze me how so many people forget one critical element regarding the IRS. That critical element – the IRS does …

Maybe someone in the family has been laid off, and the household income has been cut in half.  Maybe you are distressed by the current state of your stock portfolio, and are worried about retirement.  …

A creation of the mind, be it an invention, a literary or artistic work, or the symbols, names, images and designs used in commerce, is called intellectual property. Intellectual property is divided into two categories: …

Think about betting 10,000$ on one coin toss with the possibility of winning 25,000$ and loosing everything. Now think about betting 1$ on each of 10,000 coin tosses with the possibility of wining 2.5$ and …

A bear market is a constant decrease in the value of the stock market over a period of time, leading to a state of uncertainty and anxiety. It goes along with a downturn in economic …

Living frugally has become a way of life for many. Learning the difference between wants and needs has become the norm for many. How to distinguish the difference is the trick to simple living. When …

Unlike state laws that govern each state, federal laws are defined as “the body of law consisting of the U.S. Constitution, federal statutes and regulations, U.S. treaties, and federal common law.” Legal professionals, attorneys, and …

Refinancing a car loan is a good option if it improves your financial situation, and especially when the refinancing doesn’t have any fees associated with it.  Sometimes refinancing a car loan might seem like a …

Credit scoring models are subject to continual developments to keep pace with advances in analytical predictions of consumer credit behaviour. Changes are introduced which promise more accurate assessments of risk for lenders to base their …

For anyone affected by paraskevidekatriaphobia, or the fear of what might happen during a Friday that falls on the 13th day of the month, Friday, August 13, 2010, was bad enough. However, those suffering from …

Mike Nifong should go to prison for his role in the Duke Lacrosse debacle, but not because he wrongfully prosecuted innocent men. He should go to jail because his willful mishandling of the case casts …

Insurance contracts are defined as contracts of utmost good faith or contract of “uberrimae fidei”.  Understanding the principle behind this term would be immensely beneficial for anyone interested in learning about contracts related to insurance. …