A divorce is a stressful, often tragic situation for everyone involved. Too often, the resulting legal entanglements that make enemies of former spouses, can be even more devastating when there are children involved. Anticipating a …

Choosing a Medicare prescripton drug plan can be a daunting task since there are many variables to take into consideration, such as the cost of the plan in terms of premiums, copays and deductibles, the …

The answer to the above question, to a very large extent, depends on how and when credit is being used. For instance, if we take into consideration the negative effects of credit card usage (which …

Written as a yes/no question, this is a very difficult one to answer. My short answer is yes and no. I write yes because I believe that anybody who commits a crime and pays his …

One of the most common fallacies about investing in mutual funds is that the investor does not need to do any work and just sit back to reap the profits. Well, that is true to …

Currently in the United States, credit unions have over 86 million members, which represent roughly 44% of the economically active population. The presence of credit unions is equally as strong in Canada where there are …

Investors are told to buy low and sell high; the corporations that offer those stocks take the same advice when deciding to do buybacks for their own companies. When stock prices are low, it behooves …

When purchasing homeowners insurance, property owners often have a variety of choices when it comes to insuring possessions. One choice of coverage is new-for-old insurance.  The highest level of protection for possessions is possible with …

Many first time life insurance buyers as well as seasoned insurance buyers might find it overwhelming. Buyers of life insurance must first determine if they are going to use an insurance agent or go it …

Copyright law is in no way a form of censorship. Copyright law is something completely different, and the effect of the law is the exact opposite of censorship. Copyright law protects the rights to a …

Gang Violence and Black Youth In every city, community, and town across America, young Black men are rehearsing the lyrics to their favorite songs. It is as though “life is imitating art,” and the sad …

Insuring your children can be a delicate task but in some circumstances, it does make financial sense. Much depends on your family’s financial situation and on the objectives the policy will serve. Traditionally, life insurance …

Saving money is one important aspect of your personal finance life. One way to add to your savings is using the power of compound interest. When you have a savings account, it will earn interest …

Travel insurance is very important if you want to travel. Nobody can predict unexpected circumstances between the period you are going to book your travel and the day you will normally make your travel. Even …

Banks have made good use of the advancement of technology. In the advent of the internet, banks have made savings accounts a lot more convenient and transparent. The benefits that online savings accounts bring are …

Medical marijuana is known for relieving glaucoma, a disease that causes pressure on the eyes which can lead to blindness.  Yet, because of the potent properties of the drug and the fact that the drug …

A hate free zone is a place free of all evil slurs and awful names. It is a place where if you don’t have anything nice to say, you don’t get to say anything at …

In a case that shocked America, three eight year old boys were found murdered in West Memphis, Arkansas in 1993. Their badly bruised and mutilated bodies were found in a creek; they had been tied …

Liberal media is a destructive and damaging entity that erodes society from within. It lacks balance, is based on populist rhetoric that lacks any real mechanism for acceptance of responsibility. A significant fault of liberal …

At some point in your life a family or friend may ask you to cosign a loan for them so they can be approved for a credit line. A lender asking a borrower for a …

If you have sat down, and worked out some great “life goals”.. things you want to do right away, and things you want to do in the future, then you now have motivation. Motivation is …

One of the major problems facing this country is the lost war on drugs. Initiated over forty years ago, all levels of U.S. government have probably spent over a trillion dollars and have made very …

Being involved in police work has granted me valuable insight into the procedure and mindset of an officer while he or she is in the process of pulling over and inspecting an individual that is …

There are typically two categories of shoppers, those who find it a dreadful ordeal and those who can’t seem to get enough of it. If you find you sluggishly drag yourself to the stores, you …

Personal income tax returns are filed once a year, every year. There are pros and cons to preparing your own personal taxes rather than by another method. Alternate ways to file tax packages include using online …

Every year as the month of April quickly approaches, stress kicks in for many individuals, families and businesses. Many people sense the stress because they are completely unprepared for the deadline to complete their tax …

Hedge funds versus mutual funds By nature, hedge funds are more aggressive than mutual funds although they share some common attributes. An investor in a hedge fund is willing to take higher risks than the …

If real estate moguls like Donald Trump and Robert Allen are to be believed, this is an excellent time to invest in the real estate market. Both individuals have upcoming seminars on this topic and …

At first glance it would seem that every person that rents a place to live would immediately go out and get themselves some renters insurance. Because what would happen if there were a fire or …

Solving money problems begins with changing our incorrect concepts about money. Money problems are born out of ignorance and a misunderstanding of economic principles. Let me explain. One of the major flaws in our thinking …