John Gotti, the high-profile boss of New York City’s Gambino crime family, nicknamed the “Teflon Don” based on his numerous courtroom acquittals, came very close to being the “Dead Don” on a spring day in …

Insurance companies have received a lot of bad press of late. They are often featured as money hungry entities that care nothing for the individuals who purchase their policies. To some extent that is correct …

There are a lot of techniques that you can use to invest your hard earned cash to gain profit. investing in real estate is one of the coolest ideas since you can expect great income …

Living expenses can run high, especially if we have high expectations and too many wants that don’t exactly meet our income. Sometimes we don’t realise that we are living beyond our means and reaching a …

A college education is one of the most important things that you can have in your life. It will help open doors for you professionally, and will allow you to mature as a person, and …

The reason you have homeowner’s insurance is to protect your financial interest in the event of a claim. Likewise, the insurance company has a financial interest to protect. In order to determine your insurance rates, …

During difficult economic times, a new homebuyer may think that a 2-1 buydown is the answer to their dream of home ownership. However, before getting too excited about this program, is important to understand what …

The Tabloid Media: Political and Religious Arrest Before evaluating the quality of programs on television as well as cable some careful yet pertinent considerations must be imbibed into where we were in the past when …

This subject has been debated to death over the years. Yes there is violence in prisons and there will always be violence in prisons. The reasons are many and varied. What really gets me are …

There are more low-income working families now than there were ten years ago. Many of these low-income households are working full time, but have incomes less than the poverty level. There are government programs available …

In today’s fast paced society where many determine their self-worth and judge others by the size of their bank accounts and the amount and kind of possessions they have, it is easy for many to …

How to limit the damage if you lose your purse or wallet: Losing your wallet or purse can be a devastating experience or merely a hassle, depending on how prepared you are. My daughter recently …

My first credit card was a Capital One Visa Platinum card. I obtained this card via one of the nineteen credit card applications they sent me through the mail before I was even 18. Do …

Funding college can be a daunting and fleeing task. Parents ponder frequently as to how they would manage to finance their children’s college education. These are your average Americans who struggle with mortgage, car payments, …

Unions – Just that one word is enough to get some people really uptight. Believe it or not most who do feel that way have probably never even been affiliated to a union in their lives. So …

Cash rebate credit cards are credit cards that offer cash back as part of its rewards program.  Other kinds of rewards programs include points, gas credits, and airline miles.  However, only with cash rebate or …

Preparing for a home loan can save you a lot of time, money and frustration. Those who have gone through the process already, know how uncomfortable it can be to reveal private details about one’s …

The strain on a custodial parent is enormous. They bear the greater responsibility for the emotional, physical and psychological well-being of their children. They are after all, the one who touches their lives on a …

Forex or foreign exchange trading has changed dramatically with the rise of the internet. Today, you no longer have to be working for a bank or a financial institution in order to be a forex …

Investing becomes gambling when your rationale for an investment relies on your ability to see into the future. Purchasing a low-priced, non-dividend paying stock is gambling since there is no rational reason to assume the …

The trick to saving big on little things is to know when and where to shop. Making a sub-conscious habit to save money in your daily life can add up to a surprising amount of …

Hard Money Lenders-Bridging the Gap Would you lend money to a small company purchasing an office building short on cash for the closing? Would you lend to an investor who owns an apartment building and …

A lot of financial counselors are now suggesting to their clients that they should borrow money on their home with the use of a home equity loan to invest into the stock market. These people …

Refinancing a mortgage for a lower interest rate can be a great way to reduce monthly expenses and lower the overall cost of a home. There are a number of refinancing options available to consumers, …

The corporate opportunity doctrine is a principle in law which states that the directors, officers and major shareholders of a firm may not pursue for private, personal gain a business opportunity which would normally go …

We are guaranteed the right of free speech, including the right to criticize private individuals and public figures, by the First Amendment to the Constitution of the United States, which states; “Congress shall make no …

Investment strategy, risk tolerance, and research are three concepts that act as the foundation of any beginning investor’s education of stock investing. Investment strategy establishes rules and criteria to select stocks. Risk tolerance is how …

It is often said that one man’s trash is another man’s treasure – this is the basis for the activity of “dumpster diving”. Dumpster diving requires neither a dumpster or diving equipment, rather it involves …

“Junk bond” is a casual but very common term for bonds issued by corporations (or, more rarely, governments) who are in a very poor financial situation and therefore, very likely, will not be able to …

Discounting cash flows (DCF) is the preferred way to valuating a firm’s worth but is a lengthy process which requires skill and expertise. Using multiples for valuations is convenient and straightforward but it can also …