Bear markets are ugly. When the bears have their way, markets tumble, panic takes over, and investors force fund managers to sell the good with the bad to raise enough cash to meet the stampede …

THE COST OF CRIME When criminals commit their crimes they naturally do not think about the potential damage they cause and the expense involved. Few people may realize the actual cost of crime since some …

Wrongly convicted Khalid awanKhalid Awan says he falsely confessed to his crimes because he was tortured by FBI agents and the RCMP threatened to arrest his sisters in Montreal U.S. officials presented incriminating, False ,Bogus,Fabricated,purchased …

Recently, in September 2012, the State of Florida had put into law that welfare recipients in that state take a drug test. Unsure of the frequency, as those who receive welfare and when the time …

The Durbin Amendment, an addendum found in the Dodd-Frank Wall Street Reform and Consumer Protection Act, was enacted in order to limit the interchange fee for debit card transactions. The average fee collected by banks …

Is it fair to force people who have faithfully paid their mortgages to bail out those who haven’t? The United States of America has come to a critical point in its history. We have political …

Balance transfer cards are an ideal tool to pay down debt which has built up on credit cards. If you have a number of card debts you can consolidate them together onto one convenient card …

When it comes to money management, there are a few things you should know. When you go out into the financial world, you will see that are many cautionary tales of those who spent too …

When your once little nephew Johnny approaches you with his latest hare brained scheme on how to make some extra bucks, and you realise his math skills have not improved since high school twenty years …

Man has been consuming alcohol recreationally since before recorded history, and it’s likely that the first instance of driving while drunk occurred about a week or so after the automobile was first offered for sale …

Some wars are worth fighting. Compared with Osama bin Laden, the various drug cartels and illegal drugs have killed more people than were killed in the entire history of Islamic terrorism. How many law enforcement …

A suit brought by a 53 year old woman against a generic brand drug manufacturer is set to become a litmus test for patients’ rights, and one which could have far-reaching consequences for the pharmaceuticals …

Since 1986, the Internal Revenue Service (IRS) has accepted e-filing of tax returns.  However, in the beginning very few taxpayers were eligible for or made use of this method.  Over time the IRS has greatly …

There is no bigger potential for a family rift than borrowing money from a relative or even a friend. If you find you are in a financial crisis and decide to ask for help from …

Most funds are managed. That means that there is a manager who is in charge of that fund and it is her job to study the market every day and buy and sell stocks in …

Debt. The good. The Bad. And the driving force behind it. BCSAlliance.com claims that 56% of Americans who carry debt, carry the good. So, what is the good? The good debt involves those things you …

Stress and debt cannot be compromised in any way. The two go hand-in-hand and are interconnected in such a way that one affects the other. Chronic debt causes stress, anxiety and even physical and mental health problems …

The term “churning” when applied in the insurance context, refers to the practice whereby life insurance agents convince clients to surrender or discontinue their old policy and buy a new one. The act itself doesn’t …

With the financial situation many people are facing in this difficult economy, storage unit auctions are becoming more common. And along with the increase in auctions, there also comes an increase in the number of …

Second mortgages are primarily obtained to release equity from the home for purposes such as home improvements. Using this equity for debt consolidation is a popular reason for second mortgages but a very risky option …

Studying abroad at an international school is a wonderful way to enhance your education and make your resume stand out from the crowd. The opportunity to travel to a foreign place whilst studying will broaden …

What would you do if you had a million dollars? Most people dream about having a million dollars at hand, but very little of these people actually do anything about it. However, if you have …

Moral hazard refers to a situation in which an investor, decision-maker, or other actor has an incentive to make what would normally be implausibly or inappropriately risky decisions because they believe they are shielded from …

Should you pay off your mortgage before you retire? Well, that sort of depends on the size of the mortgage and the retirement income.My husband and I, for example, have a shabby house that we …

According to United States Patent and Trademark Office (USPTO), the term “patent pending” means an inventor has filed a provisional application for a patent. So, when you see the phrase “patent pending” next to a product, …

Many of us have heard news about identity theft, along with the warnings on how to avoid it.  But, do you know that children, including yours, can fall prey to identity predators, too?  According to …

Police departments are your first line of defense against criminals.  These men and women strap on body armor everyday when they go to work.  Remember that when you are sitting in your comfortable chair at …

A living trust is a trust that allows you to put your assets into a trust while you are still alive. Having the trust as revocable allows for flexibility. Naming a trusted person to be …

Although I have not thoroughly researched this topic I was so fascinated that I had to get out my random thoughts while they were still in my head. At my age is doesn’t take long …

There are several ways to save money on all types of insurance. There are three basic items that insurance companies look at when you apply for any type of insurance. Primarily insurance companies are extremely …