Abortion is a very difficult subject, involving trying emotional issues. Many reasonable and honorable men and woman hold very firm opinions on both sides of this moral issue. Do we allow women their natural freedom …

Crime and punishment has been a difficult issue for much of human history. Ancient societies administered penalties intended to punish. The ultimate of these, of course, was the death penalty, which has been meted out …

US Dollars – Chinese Yuen, are they wise investments? China has once again devalued its currency and taken the additional step of removing financial incentives for the production of aluminum. Aluminum is a process that …

Insurance rate classes divide the population into different levels of risk based on actuarial tables.  This tells an insurance company how much they can expect to have to pay out for people like you, and …

How much is your pet worth? Did you know that you can have insurance for it? In 2007, U.S. insurers created this option after several dogs and cats died following ingestion of a contaminated feed …

A 403(b) is a type of retirement plan similar to a 401(k) except 403(b) are used for non-profit organizations and some government institutions. The statutory code governing 403(b) retirement plans is contained within Title 26 …

Homeowner’s liability can carry multiple complexities. There are many danger areas in and around our properties that could cause injury. The right situation may provide an environment for potential legal responsiblity. Below is a list …

Student loans can be very complicated and hard to understand. There are many different types of loans, each of which have different terms and conditions. Two major categories of student loans are subsidized versus unsubsidized …

Many of us simply assume the clergy is taxed according to the same criteria as any other person. While I did realize that the tax laws basically omitted taxation of churches, I did not realize …

What is most important to understand as a homeowner is what your homeowner’s insurace policy does not cover. As a property insurance adjuster my experience has bee that this is more difficult to understand than …

Standard and Poor’s tracks the change in value of real estate across the country and in 20 metropolitan areas using the S&P Case-Shiller Home Price Index. These indices have become the leading measure of real …

For those of us in the UK, there are many options available to us when it comes to saving wisely. First of all, you need to make a short-term financial plan for the next few …

Whatever your opinion is of him, Buffett’s speculative approach is perhaps the most triumphant ever. Value investors like bargain hunters try to find products that are valuable and of superior class but most importantly under …

Anyone who’s reasonably healthy should consider switching from a traditional insurance plan to a Health Savings Account. These plans have a bunch of great benefits: 1. Much cheaper monthly premiums; 2. Ability to save and …

Often one has no choice in choosing between an unsecured and a secured loan, as if a person has no substantial asset to offer as collateral a secured loan is out of the question and …

Teaching kids how to save is a very challenging task. Kids doesn’t know the value of money, investments, and savings and all they care about is having fun thus when it comes to finances, all …

The importance of having good credit is more pertinent today than at any other time, as lenders tighten their criteria. Many people have worked hard to re-establish good credit and many of those new to …

In the last 12 months, nearly every asset class has gone down in value. The Dow Jones Industrial Average is sitting 5000 points lower than where it was last June. Commodity prices have dropped, real …

Did you know that it is illegal to let your dog sleep in your bathtub in Brooklyn? Or name your child Monica in Equatorial Guinea. Or slam your car door shut in Switzerland.Or what about …

It is not possible to abolish Social Security Benefits! The political pressure on any group, or coalition wanting to abolish this great institution would be too great. However, we must think in terms of modifications …

BUSINESS DESCRIPTION AEC Education is a holding company for a group of companies that provide educational services in Asia and the UK. The Company designs exams and training courses focusing mainly on the Malaysian and …

Travel insurance can be very important for many travelers.  There are a wide variety of reasons why you should take this precaution, including the following. You may not be covered by your regular insurance Even …

How does a credit card work is a question to which even those who use credit cards on an all but daily basis may essentially have little idea as to the answer. The overall process …

Keeping a spending journal is a fantastic idea for young and old alike. The main reason to keep a spending journal is so that it acts as a ledger for you to help you balance …

Preventing bank charges is easier than one may think. You might ask how could it be so easy? Well, there are numerous ways to prevent excessive bank charges like avoiding overdraft fees, monthly services charges, …

Being in a fraud is very easy particularly if you are not well informed. Insurance premium amounts are very lucative ones, you always feel that the lesser the amount, the better is the insurance company …

The time has come to turn out the lights a little bit more, to prevent such high electricity bills. Unfortunately, as the world becomes more modern, prices and living costs get higher and higher. But, …

PREPARING TO BE A WITNESS In any legal trial, the witnesses are the core of the presentation.  They provide testimony in Court, and that’s “evidence” – the facts that the judge or jury will be …

Although we have seen a slight increase of Bank owned properties for all property types in the commercial segments, we are also seeing an increase in buyer’s who are looking specifically for discounted REOs.  In …

After the online banking craze spread like wildfire throughout America, a new trend caught on: mobile banking. We in the states love flexibility, convenience and information at our fingertips on the go; we also love …