Water is the cement of the building blocks of life.  The functions water serves in the development and maintenance of our bodies is indispensible. Here is a short list of these functions protecting fetuses in …

We watched the cowboy shows of “Gunsmoke”, “Shane”, “The Magnificent Seven”, “Rio Lobo” and “Hang Em High”. On the screen, Clint Eastwood, John Wayne and Steve McQueen tamed the West with their twin-barrel shotguns. Shotguns …

Seeking to improve their lives, young adults have headed to college. With the cost of learning, the majority of the students take out some form of student loan. It is easy for them to justify; …

Retirement is a big step in a person’s life. Besides not having a regular paycheck one leaves their co-workers and the social life that goes with the job. Added to that is the “free time” …

Financial freedom is something we all dream of. We yearn to be free from the shakles and chains of limited income. Are you one of these people? Are you tired of living paycheck to paycheck? …

In these days of financial complexity, building a secure future without a plan could be compared to building a house without a blueprint. If the shear volume of financial advice about saving, investing, insurance, estate planning, …

If your business is a small fish in a big pond, you will find that purchasing health insurance for your employees is an ominous chore. On an individual basis, the costs can be staggering. The …

Retirement is a period where people hope to live a stress free life without having to worry about their income or running out of their savings. However, the reality is far from what many retirees …

There are many benefits of a 401k retirement account. A 401k is an investment option used to save for retirement which is set up through one’s employer. The name 401k comes from the Internal Revenue …

The recession has taken its toll on people’s spending habits. It is a situation that has forced everyone to rethink and reevaluate the way they manage their finances. Every penny matters now and therefore every …

Peter Connelly was only 17 months when he was abused to death by his step father and own mother who allowed the abuse to take place. Peter Connelly was staying in a flat with his …

If you’re one of the fortunate people to have overpaid your taxes this year and are expecting a decent sized chunk of cash back – instead of spending it on something you’ll forget you have …

Mutual Funds in your 401k 2008 was a very rough year for investors, mutual funds suffered significant losses for the year. Majority of mutual fund categories had negative returns in 2008, mutual funds lost between …

There is nothing wrong with learning how to cut corners and save some money in the process. This is especially important for people trying to support a family. There is not much fun or gratitude …

Top 10 Reasons to get a Payday Loan Online. 1. Speed – applying for a payday loan online is very quick (only taking a few minutes) and the money can reach your account as soon …

Are you a little tight on cash right now, but the bills need to be paid by next week? Well, if you are thinking of ways to get cash now, you could always borrow from …

In this modern age, we have seen many companies strive to move bill payment to the online realm. We have seen considerable growth in this area over the past decade. In 2002, only 17% of …

The tragedy of death is often made worse when the beneficiaries of a life insurance policy do not know about the policy and never get the benefits. According to The Wall Street Journal, the National …

How to chose the best plan is first find one that you can understand and afford. And most importantly one that will work. There are many “consolidators” out there, but they will only take your …

I believe that there are circumstances that would warrant jail time, but mandatory minimums are not right. For example, a high school senior or a college freshman arrested with a couple of grams of Marijuana in a school …

The newest statistics have just come out, women, despite now earning more college degrees than men, still make less than men. Why is this? In short, it’s because social change comes about slowly. This is …

An arbitration agreement is a written contract which requires all agreeing parties to settle disputes without going to court. The Federal Arbitration Act (1925) governs private dispute resolution through arbitration. In general, the Act requires …

Whether you’re a student, an avid reader, or you just like buying books, you will want to save money at the bookstore. Fortunately, you don’t have to do a lot of complicated things in order …

Your best option with bad credit is to try to consolidate it as quickly as possible by building up your credit score. You have to know that your credit score will affect every single financial …

Credit cards are helpful financial tools if they are used correctly. They can also wreck havoc with your financial life if you don’t understand how they work, or get in over your head in debt. …

We officially lost the “war on drugs” in 2001. You can’t blame September 11, even though many Americans would love to. The true culprit was meth. I said it! I have made a bold statement. …

Lenders often only grant loans if the borrower has a third party stand as guarantor, considering the borrower themselves to be too risky. Many people co-sign for loans without fully understanding the consequences. In effect …

‘Do you have a good lawyer?’ Or, ‘Do you have a good accountant?’ These are some common questions asked by family members, relatives or friends when spouses decide to get a divorce. To most people, …

IMPACT OF CONSTITUTION IN A COUNTRYThe issue of constitution in a country is important like a blood to the living soul. Thus, it is vital discussion to the citizen of a country. Indeed, it is …

When it comes to considering insurance policies, bad cover may as well equal no cover. If one is going to the expense of insuring an auto, vacation, home, pet or a myriad of other things …