Pay Day Loan
The pay day loan has certainly gotten its share of bad press in the last year or so. According to one, widespread line of thinking, it is simply another way that “predatory lenders” take advantage of poor, ignorant working people. Proponents counter that it is one of the few kinds of loans that people with bad credit can get. What’s the real story?
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Health Insurance
As a political issue, health insurance is complicated. People stake out positions across the entire political spectrum, some calling it a “right” and others calling it a matter of “personal responsibility.” Social policies, of course, have to be considered even when you are making a personal decision about medical coverage for yourself and your family, […]
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State Taxes
Once upon a time, some 50 to 100 years ago, you’d mention the word “taxes” and most people would immediately think of federal income taxes. After the 16th Amendment formed the Internal Revenue Service (IRS) in 1913, that was the definition that Americans understood. There were few if any state taxes, or even state sales […]
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Buying Insurance
If you asked most Americans to list “buying insurance” on their to-do lists, it would probably fall somewhere between “going to the dentist” and “listening to fingernails on a blackboard.” Young working adults, for the most part, don’t even have it on their lists at all, content to take whatever health or life insurance is […]
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Financial Help
There are several kinds of financial help that modern consumers need. The first kind of help comes in the form of information, a second kind comes in the form of products and services from financial institutions – and another kind comes in the form of cash, from family, friends or banks. We all need help […]
Topics: Taxes | 1 Comment »
Forex Trading
“Forex” – sometimes capitalized “FOREX” and often abbreviated “FX” or “spot” – stands for the “Foreign Exchange market” that is actually the largest financial market in the world. Most people on the street are completely unaware of this marketplace, although it does a daily trading volume of over $2 trillion. Compared to the $25 billion […]
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Roth IRA
Named after the late U.S. Senator William Roth, the Roth IRA was created by the Taxpayer Relief Act of 1997 and became available for use on the first day of 1998. It is a variant of the Individual Retirement Account (IRA) that had been in use since its own creation in 1974 as part of […]
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401K
Until 1982, if someone told you that you could get “free” money from your job, lower your taxable income, have an automatic savings plan and relieve you of retirement worries, you might think you were hearing about their financial dreams or fantasies. The creation of 401(k) savings and investment plans, however, made it all come […]
Topics: Investing, Taxes | 2 Comments »
Financial Planners
A financial planner is a qualified professional who specializes in helping clients reach long-term financial goals through resource management. As the market for financial planners has grown highly competitive in recent years, the exact services financial planners offer might vary from case to case, but the advice they provide will likely cover any number of […]
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Trading Software
Trading Software is used to give investors a hypothetical look at their trading strategies before they trade on them. Though the specifics may vary depending on the company, the basic blueprint of trading software remains loosely the same from program to program.
First, investors input data about past trends in the market of their choice, generating […]
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