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Each individual has a risk tolerance that should not be ignored. Any good stock broker or financial planner knows this, and they should make the effort to help you determine what your risk tolerance is. Then, they should work with you to find investments that do not exceed your risk tolerance.

Determining one’s risk tolerance involves several different things. First, you need to know how much money you have to invest, and what your investment and financial goals are.

For instance, if you plan to retire in ten years, and you’ve not saved a single penny towards that end, you need to have a high risk tolerance – because you will need to do some aggressive – risky – investing in order to reach your financial goal.

On the other side of the coin, if you are in your early twenties and you want to start investing for your retirement, your risk tolerance will be low. You can afford to watch your money grow slowly over time.  Read more...

There has been an ongoing skit on the David Letterman Show called “Stupid Pet Tricks”. It was an aptly named bit because the things people teach their pets to do are truly silly. Letterman did so well with that skit, he followed it up with another series called “Stupid People Tricks.” Well, when it comes to the dozens of credit card offers that you get in your mailbox every week, you might think that some of these credit card companies would like to be on the next series called “Stupid Credit Card Tricks”.

These promotions that you get for credit cards seem to be playing on just about every tactic they can find to get you to take out yet one more credit card. You would think that the fact that credit card debt is a virtual epidemic in this country would let the credit card companies know that its time to get on the side of the consumer to learn responsible use of credit. Instead they do all they can to get you to have more, not less, credit cards and use them as much as you can.  Read more...

There are times when you need to go out of town and to another country for business reasons. This often happens if you’re an executive or a high ranking official of an organization or company. If you’re one of those ‘important’ office personnel, you should make sure that you don’t travel without business travel insurance.

Now, why is that? Well, suppose you urgently need medical assistance abroad. Your employer is not present and the medical bills will be shouldered by you alone. What if you don’t have enough money to pay the medical bills? But if you have business travel insurance, you don’t have to worry about a thing.  Read more...

Have you finally decided to travel to Orlando? Perhaps you want to take your family to Universal Studios or Disney World; but whatever the reasons, it is very important to choose a cheap Orlando hotel if you dont have a big budget and make sure that you have travel insurance.

These two things are very important and you should not travel without considering them first. Let’s start with choosing a hotel in Orlando. Don’t grab the first offer that you receive because with a little effort in hotel searching, you can find the best hotel in Orlando that can meet your needs and your family as well.  Read more...