In short, it could be described as depending upon how much income you have.  In fact that is how debt is measured. When a loan officer at the bank or the underwriter of a mortgage …

The Uniform Transfers to Minor Act (UTMA) laws replaced the Uniform Gifts to Minors Act (UGMA) in all states except Vermont and South Carolina. The laws were changed to allow parents, grandparents and legal guardians …

College can be expensive, and with the slow economy and employers more often insisting on a degree, it is also more necessary. Whether you are a looking to enter the job market for the first …

Just about anyone who is on the Internet and has an e-mail box, has received one of those e-mails from some attorney in Nigeria announcing you have secretly won the lottery you never entered or …

A country’s stock market plays a very pivotal and important role in its economy. A stock market, also known as an equity market, is a public entity established for the purpose of facilitating the business …

Many Americans find themselves caught in a failing economy with mass layoffs and disappearing markets. Reduced incomes have wiped out personal equity balances in savings, real estate holdings, and portfolios. Individuals have been left with …

Digital Rights Management (DRM) is a collection of techniques used by entertainment and software companies with the objective to combat piracy and theft of intellectual property. These techniques include dictating how products can be copied, …

Stock Market for Beginners – Trading on Pullbacks Finding the right moment to enter a stock trade seems to catch out so many trader investors. They make their purchase based on some good news only …

Summer is one of the most opportune times for a student to save money. Without school anyone can get a full-time job to get started on their future savings! But how should someone go about …

Strategies for Teaching the Now Generation Good Money Management Skills The now generation is one which does not care much about where the money they spend comes from. It may be that they have parents …

I have been for a very long time wondering if an on-line payday loan is worth it and if it would actually help me or hurt me financially. I have for many years been listening …

It is possible to get a loan with a relatively low interest rate in the UK if an amount over £7,000 is required. Typically, available loans have conditions in place which borrowers may not qualify …

How to be wise with your supermarket spending requires that you engage in forward planning, self-discipline and a little bit of personal psychology. Supermarkets exist to make a profit and they are full at all …

Medicare supplement coverage has often been confusing to the elderly and their caregivers. Should one choose to join an HMO or PPO? Should one purchase one of the 10 standardized policies? Once the final decision …

The best way to save money when travelling is to think be wise and budget then one can get thing s right. I think this is particularly important if one is travelling as a family. …

Military Spouse Career Advancement Accounts Program Information.  As part of the The American Recovery and Reinvestment Act of 2009, also called the “Stimulus Bill”, the Department of Defense was funded and authorized to create the …

Salvia Divinorum becoming the next marijuana is about as absurd as crack cocaine becoming the next cigarette. An experienced Salvia Divinorum user knows that this is a ridiculous proposition, but to the uninformed parents of …

Unfortunately, living in New York can be expensive. A good chunk of your money could go forth in regards to transportation for the most part. However, with critical thinking and careful planning, you can save …

Fees paid for the health care services of certain health professionals are exempt from UK value added tax (VAT). This includes the health care services of doctors, nurses, dentists, osteopaths, chiropractors and other people with …

In simple terms, a credit cycle consists of an upturn during which credit expanded and lending standards are eased, and a downturn during which credit contracts and lending standard are tightened. As this happens in …

Insurance coverage, although extremely beneficial, can require a significant investment. Florida individual health insurance is no exception. However, the risks of not having insurance can be quite substantial. If you are uninsured, and suffer a …

one of my friends came from germany and was talking about how over there people as young as the age of 12 drink beer and other liqours. this got me thinking, would lowing the drinking …

If you need a determination of the number of credit cards you need, then you should have your answer already as to how many credit cards is, well too many. There are three types of …

Life insurance plays an integral part in an individual’s financial plan. The first time consumer has several important factors to consider before purchase of a policy. As with any financial tool, a needs-based analysis will …

What is a cash advance payday loan? We’ve all seen these places advertise on TV most of their ads say they will lend you cash to get you by until payday and yes they do. …

Early retirement requires a lot more than just having a good job and a good salary. It entails skillful planning, efficient execution, probably some deep knowledge, and good resources and channels about investing. Many people …

Child sexual abuse is an abuse of power, where older, stronger, and more knowledgeable persons take advantage of children for their own gratification. Perpetrators are focused on themselves and are unconcerned about the welfare of …

Getting and keeping energy bills under control is all about attitude. We all need to start thinking in terms of how we can live “off the grid”, or how we would manage our household if …

An important point to be made in regard to the system of Common Law, is that rulings are based upon the application of case precedence established not only by judges, but by juries of ones …

When you are borrowing money the most important thing that the lender wants to know is if you are going to pay it back. The first that they will do is run a credit check …