Finance Concepts


Paying Your Debts Through Structured Debt Settlement

Having huge debts is definitely a burden that’s why I always advise to manage your finances properly. However, if you already have huge debts, one way to pay these debts is through a structured debt settlement. While it may sound too technical to you, structured debt settlement entails restructuring of your loan. This can be […]


Economic Terms You Need to Know When Investing

The health of the economy is directly proportional to your investments. If the economy is doing good, then chances are your investments will also earn good. However, if the economy is experiencing a downturn, then definitely, your investments too are affected. Since the US has the largest economy in the world, most people watch its […]


Debt Consolidation: Consolidating Your Debt Payment

Having lots of debts is different to manage. You may need to track down all debts from one creditor to another including interest expenses and late payment charges. One solution to handling multiple debts is through debt consolidation. Debt consolidation entails taking out one loan to pay off many others. This is often done to […]


What are Forward Contracts?

In this article, I will introduce a financial derivative called Forward Contracts. What are forward contracts? Forward contracts are used by companies to take advantage of a speculation. A forward contract is an agreement between two parties to buy or sell a specific asset at a certain future time for a certain price agreed today. […]


What is Variable Life Insurance?

First of all, why are you buying life insurance? The basic rationale for life insurance is to replace your income in the event that you die unexpectedly. Your insurance policy then is supposed to “buy” your dependents’ time to replace the income they had depended on you. Strictly speaking, life insurance is primarily for protection, […]


How FED Controls Money Supply

The Federal Reserve of the US, or simply FED, is the most powerful banking institution in the world. It controls the banking and economic system of the most powerful country in the world – United States of America. In 1913, the US Congress established the FED. The Fed, although the central bank of the United States, […]


Financial Ratios You Need to Know When Buying a Business

If you want to become educated on business matters, then one of the things that you should know is the financial statement of companies. You need to know how to read numbers because numbers don’t lie. Financial statements are the health check up of businesses. Just like humans, businesses can be subject of certain “diseases” that […]


What Caused the Great Depression?

We’ve talked about the current recession before and we know that the main thing that triggered it is the subprime mortgage crisis which originated from several investment banks. But what about a more severe economic downturn called depression? According to Wikipedia: In economics, depression involves sustained, long-term downturn economic activity. While recession is seen as […]


How to Fight Inflation

Inflation is one of the reasons why do you need to invest your money. In economics, we have known inflation as the general increase in prices of commodities. The higher the inflation, the lesser the value of our money. Inflation degrades the value of our money. Your money last year cannot buy the same amount of […]


Good Debt vs. Bad Debt

Debt has always been considered as a liability. Yes, in most cases, debt is a liability because it is money owed to someone else. One classic example of a liability is a credit card debt. When you use a credit card, you’re taking a loan from the bank or company that issued the card. With that […]