Hot Headline »

Your clothes were made in a sweatshop. They were made by a young woman, poorly paid, who was nonetheless excited to have the opportunity to make them. Her alternative, her life without making them; that would have been much worse.
Jasmine …

Read the full story »
Home » Archive by Author

Articles by Martin Glover

Martin Glover

Martin Glover brings to FinancesOnline.com an in-depth knowledge and experience about loans, credit and debt management. Martin’s core competencies include short- and long-term financial planning, investment planning, taxation and capitalization culled from his stints at major financial firms. Now, he aims to share his financial insights as part of FinancesOnline.com team.

Top 10 Highest Paying Jobs Based On Annual Gross Income: What Career Is Worth Pursuing?

A lot of people have their own approaches when it comes to the question of succeeding in life. Some say to just follow your passion and do something you love. Others believe in luck, while most stick to the time-tested …

10 Oldest & Richest American Companies: Established In the 18th Century And Still On the Market

America, it is often noted, is a young country: while many European countries date back a thousand years and more–to say nothing of China’s many thousands of years as a state–America is a spring chicken at less than 250 years. …

5 Ways To Earn Extra Money With A Side Job

If you are a recent college graduate you’ve probably already realized that for many people it’s almost impossible to earn living wages off of one job alone. Even if you’ve been working for years, you might find that it’s becoming …

Careers Advice: 7 Effective Tips To Give Your Career A Boost

If you want to move up the corporate ladder you need a career plan. You need to build one instead of simply landing jobs one after another. A career is the sum of all the knowledge, skills, and network you’ve …

5 Ways To Ask For A Pay Raise: Trusted Tips To Negotiate Your Salary Increase Effectively

Have you been stuck with the same pay scale for a year now? It’s time to talk to the boss and ask for a raise. But don’t just barge in into your boss’ office and demand for an increase; you …

Career Change Advice: 5 Things You Should Know Before You Decide

Change is something many professionals are scared of, particularly those who are already entrenched with their jobs and have integrated work routines, strategies and habits that took decades to master and mesh well with their lives. It is never easy …

How To Save Money In 2014: 10 Things That Will Cost Less This Year

Technological advances in 2014 mean that some items will be more expensive than in years past but many will be significantly cheaper, also as a result of advances. Over the past decade we’ve been improving drilling technologies and oil production, …

Career Advice: 10 Signs That You Need To Look For A New Job

Some of us are lucky enough to get employed at an ideal company right after college. These lucky few will move up the corporate ladder with a combination of hard work, positive work environment, progressive learning, and time. But for …

Top 10 Company Buyouts That Were Rejected: Who Passed On The Opportunity To Buy Facebook?

Snapchat, Pinterest, Instagram, Vine–so many new internet trends, and so little time to keep up! And yet, old giants like Microsoft and Apple continue to corner much of the marketplace, so they are obviously keeping up somehow. Just how do …

Top 10 Gold Producing Countries In The World

All that glitters is not gold, but fear not: there’s plenty of gold to go around. Much of the wealth is distributed unevenly, however, and gold production varies widely among different nations. From relative unknowns like Uzbekistan to long-time champs …

Obamacare Health Insurance: How Does It Work?

Obamacare has been in the news a lot lately–mostly due to negative coverage of its poorly functioning website. But whether or not you love it or hate it, the policy is coming and there is a chance it’s going to …

Retirement Planning: 6 Retirement Account Types For Your Pension Plan

We’ve all seen the dire predictions about the future of programs like Social Security and Medicare–there will be a lot more dollars going out than coming in, and more retirees than workers, according to some estimates. This means that those …

How To Stop Procrastinating And Start Saving Money

I have a friend who has been talking about saving up money for a trip to Germany for years. Everytime I ask him if he’s made any progress I get the same sappy stories about how he just hasn’t had …

Credit Card Balance Transfers: How Can You Use Them To Save Money?

Balance transfers are one of the most enticing offers that a credit card company will send you. 0% interest rates are common, and for many of us the offer can be too attractive to turn down. How then to make …

Interest Rates: Why Are They Increasing and How To Use Them To Save Money

For the last few years, interest rates have been at historic lows. How low? Well, after adjusting for inflation, the US government is currently selling 5-year bonds at negative interest rates. This is like you borrowing $100 from a friend …

Renters Insurance: Does It Protect You From Theft or Accidents? Find Out What It Covers!

In an era of natural disasters and valuable electronics, its more important than ever to have renters insurance to protect your things. What if someone breaks into your apartment and steals your $1000 computer? What if your careless landlord fails …

Working Overtime: Employee Rights You Should Know About

Is it legal for my employer to make me work more than 40 hours per week?
If it’s paid then it’s okay?
Like everyone else who has a job but want a life outside of it, you’ve probably gritted your teeth at …

Retirement Savings Scams: How to Protect Seniors from Fraud

Seniors are easy targets for unscrupulous financial capers simply because they are perceived as having that bounty of a retirement money. With the way how retirement savings now become a high-profile issue by marketing and investment firms, scammers have a …

Improve Your Saving, Earning and Spending IQ With These Money Intelligence Boosters

Money is a must-have for all seasons. Be it winter, spring, summer or fall, we all have spending necessities to take care of, at the same time, the pursuit to earn and save continue. This means that improving one’s money …

Foreign stocks: Good or Bad Investment?

Foreign stocks can give you a high return, or wipe out your nest in a single bound.
Buying foreign stocks is a good add-on to your investment nest. They provide a shock absorber once the U.S. market slows down. In most …

How Saving Money Can Save Your Health

Why save money?
Life savings keeps your head above water during choppy times and through the unchartered waters of retirement. Moreover, life savings doesn’t just literally save life; it’s your safety net to keep you and your family healthy through thick …

Loan Interests and Penalties: Understanding Your Debt Payments

Despite basic knowledge on interest payments on loans and debts, many individuals still wail over the so-called “evils” of interest payments whenever a billing statement for a loan takeout arrives and they see the outstanding balance and periodic payment required.
How …

Debt Repayment Tips that Work from Real-Life Debt Winners

Do you sometimes feel that debt repayment is robbing you of your dreams? So do millions of other people who work hard but seems farther apart from their life goals. This is because the chunk of hard-earned money goes into …

Bad Debt Myths Debunked: Do Good Debts Exist?

Some financial literature differentiate between good debt and bad debt, like a student loan is considered a good debt while a credit card is considered a bad debt. These quick generalizations may be simplistic, if not unfairly analyzed, since the …

Student Loan: Goodbye College, Hello Loan Repayment!

For the fresh college grad, everything looks sunshiny and abloom when it comes to what the future holds. Despite post-recession downturns like lack of real, full-time and well-paying jobs in the monthly Labor Department employment updates, enthusiasm and positivism naturally …

Understanding Adjustable Rate Mortgages (ARMs)

An ARM, short for adjustable rate mortgage, is mortgage on which the interest rate is not fixed for the entire life of the loan. The rate is fixed for a specified period at the beginning, called the “initial rate period”, …

Wary of Banks? Consider Credit Unions

The bad press banks have been getting in the last few years has encouraged people in the United States to move their money to credit unions. The Financial Times reports that US credit unions have been surging in popularity lately …

Savings vs. Investments? Why not both?

If you’re at that point where you’re asking yourself whether you should save or invest, chances are you probably have enough to do both. Here are some simple guidelines to help you save or invest with confidence.
The difference
Both saving and …

How To Get Out Of Debt And Get Back A Free Life

Yes you can get out of debt. It’s hard but not impossible. Unless you suffered from an emergency or sudden crash that quadrupled your living expenses, most debts are caused by a lack of foresight or just plain bad habit …

Subprime Mortgage, Primetime Crisis: Lessons from History

Some say the worst is over and it’s on to happy days for the US Economy. We all hope the happy days do come around for this country because its fortunes are inexorably linked to the financial health of the …