Prices for home insurance can vary by hundreds of dollars based on the insurance provider. Following a few simple tips can significantly reduce the financial burden of your homeowners insurance coverage. This way you can …

There are really only two types of life insurance; term and whole life. ‘Term’ insurance is just that, life insurance for a given term, or ‘whole life’, life insurance that builds cash value over a …

Want to know how to quickly make $5 million in the stock market? Start with $10 million.  The biggest mistakes people make when they buy or sell stocks are much bigger than the moment when …

Today’s real estate investor must navigate a world of limitless information when deciding on the best properties to invest in. Gone are the days of driving around town to find properties. These days the status …

The worst thing a child can have when turning 18 is bad credit thanks to someone stealing his or her identity. And for parents who want to look at their child’s record, it isn’t as …

When festival spree is in the air, people get  busy shopping and spending. This is the time when monthly budgets are at risk of holiday overspending. It is natural to get carried away with all …

Although modern day pirates no longer wear swords and fly the skull and cross bones, they are still present and terrorizing legitimate vessels on the open seas. The reason remains the same – there is …

When considering consumer debt there are two principle types. These are secured debt and unsecured debt. Knowing the difference between the two enables consumers to better manage their debt repayment. This is because each type …

Taxation Concepts: Buying and Selling Stocks Understanding the tax implications of stock buying and selling is crucial. A working knowledge of basic key concepts will enable the individual investor to make smart decisions with the …

If you are a home renter then you cannot be as assured that a landlord necessarily takes the same care of the home he rents out as the home he himself lives in. The landlord’s …

Marijuana should be legalized in the United States. In most vivid terms, this means that the cannabis plant should be decriminalized on a federal level, abolishing all laws prohibiting its possession and use.  There are …

The best way to save money is to make a budget and determine exactly what you require to live. You need to know what you owe and to whom. Once you know these figures, you …

Saving money on electricity is easier than you think. With the power companies raising charges almost every couple of weeks, we all want to save money on electricity and put that in our pockets, and …

As we return to school and settle back into our routines of sleeping, pooping, studying, sleeping while studying and pooping while sleeping, I speak for everyone when I say we finally have a chance to …

The life of a celebrity can be murder – literally. Celebrities are often regarded as demigods who are beautiful, perfect and above the law. But beneath the public façade of Botox, Armani and Chanel, there …

Shareholder dividends are a form of monetary distribution most commonly paid to owners of business stock and mutual funds. The dividends for company stock are from made corporate earnings and income earned from mutual funds. …

The internet has revolutionized the way we transact business today. We can now shop for almost anything we want, communicate with clients all over the world and make digital financial transactions among other things. One …

The lending institutions operate in cyclical markets. Credit, like most investments, varies with the changing economic climate. As such, there will be times during economic prosperity when obtaining a loan will be easy. Lending standards …

Sub-prime lenders are targeting students for auto loans in an attempt to wrestle more money out of unsuspecting clients. Students, especially those in college or university, wish to have the means of travel, and convenience that …

Carpooling’s a great way to save money. After all, you’re usually not going to be needing the car for the whole day. You’ve just got to get to work and back, or you’ve just got …

The good news is that often when you are struggling with debt and falling behind in your payments, you can work out a deal with your creditors whereby in exchange for your paying off a …

How to calculate your debt to income ratio Your debt to income ratio is a personal finance measure that lenders use to determine how likely they are to receive a payment from a borrower. It …

Identity Theft is a huge hazard to face for anyone because it basically is a form of intrusion on your life. Imagine your neighbour having luxury items delivered to their home but for you to …

High school and college students have the thing retirement aged people wish they had: time. One of the most frequent regrets of older adults is “I wish I had started saving for retirement sooner.” Even …

With the economy being worse than ever, most people struggle to make ends meet. For many of them, living cheaply is associated with living a life of poor quality. This is not necessarily the case …

The legal battle over marijuana use is a focus of contention in the United States. It is basically a “red state, blue state” issue. The coasts say legalize it and the middle says criminalize it! …

Introduction to Weather Derivatives The development of weather derivatives market owes its origin to the deregulation of the U.S. energy industry. Seasonal weather patterns have always produced volatility in energy prices which has been traditionally …

Huguette M. Clark, the youngest daughter of William Andrews Clark, died in May 2011. Prior to her death, there had been some media coverage that described the extremely reclusive life she lived. Some even wondered if …

When I was a kid, I was taught that the 13th Amendment of the United States Constitution abolished slavery. Abolish is defined as “to do away with, to void.” But the actual wording of the …

Driving under the influence, also known as DUI, is a serious offence to commit. Many people in Texas do not fully understand the repercussions related to driving under the influence and how serious they really …