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How Alimony Works

When a couple divorces, one of the issues is whether alimony will be paid. Alimony is more likely if one spouse was financially supporting the other or if one spouse made significantly more money than the other spouse. Your Long Beach divorce attorney can explain alimony to you in detail, but here is a quick primer. What is alimony? Alimony is a court-ordered payment from one divorcing spouse to another.... [Read more]

The Different Types of Default

By Phineas Upham When a person breaches the terms of their loan contract, they are said to go into default. What about when countries or corporations do it? There is also the possibility that a default is not necessarily bad if the damage is contained in a strategic manner, which is one of the potential strategies being employed in Greece. Although default falls into two basic types, these types can... [Read more]

The Future of FinTech as explained by Phin Upham

By Phin Upham Phin Upham recently spoke at the Milken Institute Global Conference about the future of financial technology, or fin tech. Banking is in dire need of help. Methodologies that have been practiced for at least the past 100 years are no longer viable in today’s financial climate. In order to stave off irreparable damage to the middle class, the industry needs to respond to changing needs.... [Read more]

How much of credit to use?

  Article Written by  : MLAVA Financial News When lenders look at your credit, they consider credit utilization rate provided by one of three credit bureaus, namely Experian, Equifax and TransUnion. Credit utilization rate is also contributes to form your credit score. Credit utilization is the amount of credit you used out of what is allowed by the credit line to you. Generally lower utilization... [Read more]

What is Money?

By Samuel Phineas Upham Money is more than the dollar bills one holds in one hands. The paper bills in your wallet could be easily substituted for stones, tobacco leaves, tea leaves, copper, paper, cigarettes, vegetables, fruits or anything else that can be exchanged. The thing that we call money is not a defined object in itself. If the government and society collapsed tomorrow, basic necessities... [Read more]

The Ethics of Giving

By Phineas Upham Philanthropy is well-ingrained in American culture. It’s been around since the beginning, when colonial settlers banded together and volunteered their time and effort in building a better society. It’s not a new concept, but the ethics of giving are only recently beginning to come to light. Aristotle said that there is no selfless act, that even our most gracious act is intrinsically... [Read more]

6 Ways to Avoid Goofing up the Purchase of a Home

Buying a home is a long process full of stumbles that can set back your goals of owning property. The loan process can be trying on your patience, especially if you have less than stellar credit. That’s also not counting things that can go wrong during inspection, and the inevitable cash buyers who will outbid you. There are also endless costs. There are costs for running your credit, costs to get... [Read more]

How to get Yourself Back on Track After Mortgage Delinquency

A delinquency isn’t something you intentionally brought upon yourself, in most cases, and your willingness to correct the problem will be a benefit for your moving forward. Remain flexible to different terms, and be prepared to do plenty of research about your state’s laws and the process itself. Remember, the bank doesn’t want to foreclose on you. During the height of the crash, banks... [Read more]

John McAfee: Outlaw or Hero?

Written by Phin Upham It was November of 2012 when most people got their most recent glimpse of John McAfee, the elusive and eccentric mind behind McAfee antivirus. That’s when Belizean authorities announced that they had sought him for questions in relation to a murder case. Holed up in his private estate in Belize, McAfee became withdrawn to say the least. He hoarded ammunition, fake passports... [Read more]

Mad Men and American Advertising

This article was written by Samuel Phineas Upham Mad Men is a popular AMC television show about a group of advertising executives at the transition of the 70s. It begins in the 60s, going through famous events that include the assassination of JFK, but the show focuses on the work the agency does. From the sales process to fulfillment, Mad Men chronicles the tumultuous times of the 1960s through... [Read more]

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