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Insurance is such a strange product in that you buy it hoping you never have to use it, sort of like a fire extinguisher. However, unlike a fire extinguisher you can’t just take your home insurance policy out into the yard and play with it on a whim. It’s devastating then if your property is damaged and the insurance you were otherwise relying on denies your claim. That there even is the perennial joke that insurance companies are tight-fisted indicates that claim denials are common enough, so what do you do when you’re claims denied—certainly not roll over (at least not yet anyway). Make Sure You Understand Your Policy Before ever leaving you insurance agent’s office, make sure you understand the details of the product you are buying. It can be difficult to ask specific questions, so instead simply tell your agent when you don’t fully comprehend anything. Equally feel free to take notes. Naturally you are going to forget exactly what the policy says, but you’ll have a more substantia...

With the New Year here, many people are trying to quickly recover from recent holidays by getting their bank accounts back in the black and paying down those credit cards. However, keeping a strict budget isn't always easy in the New Year. While it may be time for a fresh start, it is also winter, which leads to higher utility costs and generally more driving as colder temps prevents many from walking or biking to work. Trying to get your financial household back in order doesn't necessarily mean that you need to refuse entertainment and crank down the thermostat. By simply sticking to those New Year's resolutions you made a little over a week ago, you can save yourself several hundred dollars this year alone. A few of the most cost-effective resolutions include: Shedding Pounds Perhaps the most popular resolution of 2012 and years past is losing weight. Being overweight has become common in the U.S. leading millions to take the oath to shed extra pounds each year, and stic...

It's bonus season at most financial institutions--big or small, behemoth or boutique. At some, payouts were made in December. At others, bonuses are paid in January after a strenuous month of evaluations, rankings and appraisals in December. For everybody involved, it's not always a comfortable time, especially in the current environment. For perhaps a generation, senior finance professionals got used to receiving the bulk of their compensation in one lump-sum payout in January. A year of doing deals, generating revenues, bringing in fees, managing risks, handling portfolios, selling services, introducing new clients, making presentations, and creating new products traditionally led to that big day of a big payout. Times are different now. The art, science and politics of compensation are as complicated as ever--because (a) in 2011 business revenues at banks, funds, and firms were volatile and unpredictable and (b) with regulation looming, not many are sure how current business...

Imagine surveying MBA graduates at top schools, asking them to reveal which firms are the toughest interviewers, and Goldman Sachs or Morgan Stanley are not on the list. In a survey last year of business professionals and from a compilation of feedback on its website, a California-based group listed its top 20 toughest places to interview. Strangely, Goldman Sachs, Morgan Stanley or other well-known financial institutions were not on the list.  Those firms, as many MBA and Consortium graduates in finance know well, are known to put candidates through a grueling, marathon process over many rounds before they extend an offer. Many other banks and financial institutions are known to follow similar practices--whether the candidate is vying for a spot in a BA/BS program or is an experienced vice president looking to make a lateral move. How often have you heard about "the process"--successive rounds of three-on-one interviews, technical interviews on specific chapters in financ...

Pocket change is often such an inconvenience that we can easily forget that it is actually still currency. More than that though, there are a number of innovative ways to put your pocket change to use which don’t always involve spending or saving your coins. 1 – Exercise your brain : There exists a money counting game called Pocket Change http://www.memory-improvement-tips.com/money-counting-game.html which helps you exercise your brain by quickly counting combinations of coins which appear on the screen. The game is designed to help you practice how to quickly count American coins, and so displays combinations of pennies, nickels, dimes, quarters and half dollars. However, it doesn’t matter if you don’t have access to the game because you can use your own pocket change to exercise your brain and sharpen your mathematics skills. You will be surprised by how quickly you can enhance your speed adding skills when you practice regularly, so whenever you find yourself with a pocket or purse...

We often hear analysts talking about the support and resistance levels of stocks, but what are they? An easy way to look at it is that we imagine a support is like a temporary floor, whereas resistance is like a temporary ceiling. To understand the concept of support better, just think of a ball bouncing on the floor. Each time the ball hits the floor, it will bounce back, hit the floor again…and bounce back again. When it hits the floor so hard that it breaks the floor (assuming the floor is fragile) it passes, or surges, right through it. In technical terms, we call it a violation of the support zone . Similarly, as the resistance zone is violated, the stock price will go to a higher level. This brings us to a very important rule: Once a support zone has been violated, it becomes the resistance zone. Conversely, once a resistance zone is violated, it becomes the support zone of a price. How to identify the support and resistance level of a security? There are various ways to ident...