Article Scholar

5 Tips for Investing in Commodities

New investors familiarizing themselves with the world of stocks and bonds have probably heard the term ‘commodities’ thrown around and wondered exactly what that covers. Commodities is used in reference to physical things that are traded, as opposed to stocks that only represent intangible value. Common examples of commodities include raw materials such as copper, gold and silver, as well as farming crops like grain, corn and soybeans. Experts will often suggest this sort of investing, because it is linked to the true value of a product. When you invest in the commodities market, you could buy stock or futures, index funds, mutual funds or exchange-traded funds. While commodities investment comes with a significant amount of risk, it also is fairly well protected against inflation. Here are five tips to help you along the path of commodities investing.

Continue reading…

The Most Common Types of Personal Injury Cases

Life is unpredictable, and we essentially take risks every time we get out of bed in the morning. It is an unusual fact, but accidents happen and injuries are sustained all over the country every day. You might choose to walk around the block a different way and end up in the hospital. You may try to change lanes on the highway at the wrong time and find yourself in a collision. Anything can happen. This should not cause anyone to live in fear, but it is in fact beneficial to know the most common types of personal injury cases if you should ever need to go to court. Continue reading…

Batten Down the Hatches! Hurricane Season is Upon Us

Hurricane season is quickly approaching, and a question you should ask yourself is if your house ready for it. The past few years there have been quite a few powerful hurricanes that have hit the United States. These hurricanes have left many homes completely unlivable or severely damaged. Before a hurricane hits you should prepare your house so it is able to with stand all of the weather conditions that accompany hurricanes.  Some major items to check are the roof, windows and siding.



One of the first things to look at is your roof. Check to ensure that the roof is sturdy. If the roof needs to be repaired or replaced it should be done prior to hurricane season because your roof protects your house from getting damaged. An unprotected roof is one of the main reasons houses get damaged during severe weather conditions. There are many different types of roofing to choose from. Depending on where you live, will determine what type of roof to invest in.


Windows should be replaced every fifteen to twenty years. They may need to be replaced sooner if there are leaks or cracks from where they were sealed.  It is better to know something is wrong with your windows before they are subjected to high winds and downpours. Consult a window replacement company when deciding to replace them and they will ensure that the windows are installed properly and inform you of any warranties with the windows. They can also show you how to check if anything is wrong with the windows.


Inspect the siding to see if it is able to withstand hurricane conditions. Siding protects the structure of your house, so it is important that it can handle heavy winds and rain so nothing happens to your house.  An easy way to check is to walk around the house and see if there is any siding that is loose or coming off the house. If it is then it should be replaced. Consult a professional to help decide if you should replace the siding and which siding is best for the area you live in. If you live closer to the ocean your house will need a different type of siding then someone who lives inland.

Call a window replacement company and siding professionals to help you make your home able to withstand a hurricane. Don’t make the decision of chancing your home on a hurricane.


Michele Filipkowski specializes in writing home improvement and repair blogs.

How Much Money Should You Have in An Emergency Fund?

There’s no denying that times are tough right now for a large portion of the population. The costs of putting food on the table, gas in the car and insuring your family against unexpected medical costs swallows up the vast majority of peoples’ monthly paychecks, especially after they squeeze out their rent or mortgage payment. What’s left usually goes into paying for a night out here or there to forget the stresses of the week, or heads right to the banks to pay off credit card debt. There’s not much wiggle room for an emergency fund. But the uncertain economy makes that account you set aside for a rainy day all the more crucial. Millions of Americans remain unemployed, and many of them are finding it difficult to nail down a new job, even after searching for a year or more. With no emergency fund to fall back on, bankruptcy or homelessness could become a real possibility. No one wants to find themselves or their families in that sort of situation, but the only thing you can truly do to prevent it is to set aside money that you don’t touch. But how much is enough? How much money should you have in an emergency fund? Continue reading…

REIT Tax Advantages

As most homeowners are well aware, purchasing property may be considered an investment in real estate. Although your property does not pay out yearly dividends like a stock investment, for example, you put money into it now and when you sell it down the line, the hope is that it will be worth more than you paid for it, showing a significant return. This is considered a long-term investment and it is safer than most because it has at its base an asset that is insurable, meaning the odds that you will lose everything can be minimized. And as real estate investing goes, you may be looking to do more than simply buying your own family home or even purchasing a rental property that will bring in a passive source of income (both of which require some amount of work on your part in the way of maintenance or hiring a management company, for example). And you’ve probably been hearing a lot of buzz about Real Estate Investment Trusts (REITs), which became extremely popular when they were granted a status change that put them into their own asset class, separate from other unit investment trusts and therefore subject to different rules and regulations. So what makes them so attractive to investors? Continue reading…