Online Guide to Investments and Insurance

While there is a charge for a subscription to Inventors’ Digest Magazine, their website is completely free. You can find articles relevant to issues faced by the independent inventor, classified ads for services needed by independent inventors as well as a complete listing of tradeshows for all sectors of the market. For very reasonable fees, [...]

Mutual funds are diversified. Diversification is supposed to create steady returns. I simply do not believe it does. Mass psychology reigns in mutual fund investing. By definition, a mutual fund is a herd of mindless investors led by an adored mutual fund manager. Mutual fund complexes promote their newest and hottest fund. Investors pour cash [...]

Back-end loads may appear to be a good deal to you. Each year you hold the fund, the load goes down. After a year or two, the broker will recommend you switch funds. Many reasons can be given. You can avoid a taxable gain that will be distributed to you if you hold on. A [...]

States have great flexibility in moving tax base and spending among local governments. The classic case is Texas. State officials wanted the revenues and tax policy consequences of a statewide property tax for schools, but the state constitution forbids such a tax. The effect is achieved by a complex device which gives school districts the [...]

States can effectively mandate local taxes by making eligibility for state aid contingent on local governments levying them. For example, Florida requires local governments to levy certain gasoline taxes and Arkansas requires local income taxes in some school districts. Such moves can become quite elaborate. For example, in the 1990s, California: (1) allowed its temporary [...]

States have been increasing their gasoline taxes and other highway user charges such as vehicle registration fees and drivers’ license fees. These moves are continuing as many states are in the midst of highway construction programs which cannot be sustained without further increases. States have been increasing taxes on cigarettes and tobacco products, both to [...]

A high percentage of legislators and governors have expressed a desire to cut property taxes, which are the least popular of the three major tax sources — income, property and sales. Several states — notably South Carolina, South Dakota, and Wisconsin — have financed large rollbacks of property taxes with state revenues. Many states have [...]

They call themselves banker and are Truth bad gambler. The crash greedy clique must also be criminally prosecuted. Imagine that times following situation: A gambler Laden, in which one on the outcome of football matches or horse races can be set, goes bankrupt. The Wettgewinne the customer can no longer be distributed. There is simply [...]

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Welcome to the investment perspectives blog! The primary intention behind creation of this site was to provide our visitors with essential information that would allow them to plan their personal finances and make the best of the money the have. All articles will be written by people who have long-term experience in the field of [...]