Bonds are good investments with lowered risks. Investing in bonds is lending money for interest, you buy a bond at a lower price and if you hold for a long period of time, the maturing time, …

An annuity is a contract with insurers to convert a single contribution or series of contributions to a lifetime income upon maturity. No other financial vehicle offers a guaranteed lifetime income. Annuities are retirement vehicles …

The high cost of a college education is well known to everyone these days, but the costs are particularly worrying for a single parent contemplating college. Along with the natural time constraints of being the …

With the future of Social Security up in the air and the almost complete non-existence of pensions in today’s workplace the options for retirement income continue to shrink. At the same time Americans are living …

Here is a comparison of adjustable rate versus fixed rate mortgages. First let’s look at the adjustable rate mortgage, (ARM). With the ARM loan you can receive a lower rate initially and here are some …

There are numerous arguments as to why marijuana should be legalized.  First off, the United States government is spending $50 Billion per year to “combat” a drug problem.  As a self-described (and people who know …

Critically Assess the Law on Unilateral Mistake in modern UK contract law The question of a unilateral mistake poses a number of quandaries for the law and the common law has sometimes taken a confused …

Have you ever walked into a Wal-Mart or other big box store and been greeted by an older person who probably should have retired a decade ago? We all have at some time or another, …

It is inevitable that the majority of college students will have student loans to repay upon completing their college education. The best route they can follow is to try and repay as much of the …

Borrowing money will always cost more than you anticipate, even if it’s just from a friend. Scratch that. Especially if it’s from a friend. I refuse to borrow money from a friend. But borrowing money …

I propose two interesting ways to invest with just $200. First, Sharebuilder.com is an online brokerage firm that offers investment options not only for the experienced investor; but also for the novice. There is no …

Overdrafts are a topic that divides opinion. Some people love them and make use of them either on an infrequent or frequent basis, whilst others feel that they are a great evil and go to …

Scams have been around for a long time. Since value was attributed to items, people have been trying to steal or swindle them from one another. Rip-off schemes have been as simple as selling an …

Methamphetamine was introduced by a Japanese scientist as an aid for post-op recovery patients. A short time thereafter, it was at Hitler’s disposal. A private physician administered daily injections of the drug to the evil …

“Rightful liberty is unobstructed action according to our will within limits drawn around us by the equal rights of others. I do not add ‘within the limits of the law’ because law is often but …

With the economy in a somewhat precarious position and not looking likely to improve for some time to come many people are looking for ways to make extra money and boost the coffers. Here are …

With a number of class action lawsuits popping up involving unfair bank charges or deceptive overdraft fees, many banks have been hit with damages requesting payouts to their customers. Chase Bank and National City are …

Debt consolidation is the simple act of taking a single loan to pay off multiple debts.Debt consolidation becomes an option when one is faced with multiple debts with “unfavorable” interest rates. Financial experts would then …

Laws exist which prohibit so-called victimless crimes involving drugs, alcohol, and prostitution. These laws limit the personal freedoms of those wishing to engage in individually harmful behavior. Some may believe that these laws are ethical, …

Abortion is a tricky and heated issue. Some of the complications surround the issue of life. For example, when does life start? At birth? At the moment the sperm fertilizes the egg? Somewhere in between? …

No-Credit-Check Personal Loans All loans, personal or business, require collateral. Personal loans mean that you pledge anything you own, home, property, car, and investments against the loan amount to cover what is being borrowed. Unless …

There are already a few forms of legal gambling in Arizona now. Arizona has dog racing tracks as well as card rooms where one can play their favorite poker games. If these forms of gambling …

There isn’t really a “yes” or “no” answer to this debate but nominally the answer is yes. Parents should be held liable for the behavior of their minor children. The question really becomes where does …

Consumer Driven Health Care Plans  Health care costs rise each year and the problem has caused many to scramble in search of a solution. One attempt to constrain costs was the government response by passing …

Grameen Bank has changed the lives of millions of poor rural Bangladeshis for the better.  Professor Muhammad Yunus, the founder and managing director of the bank, took a chance on a new program of tiny …

As a rule, car owners generally try to get good insurance coverage for their vehicles. They also prefer to pay as little as possible to their insurance company. Comparison shopping auto insurance has become the …

Many people love to carry credit cards. There are many advantages to carrying this payment tool, but it is important to use it responsibly. You will enjoy the following benefits from credit cards: Credit cards …

The Punishment Must Fit the Crime It is not just the legal system in the US that is failing our children,in the UK the system stinks! In the UK, the year ending March 2006 there …

Every year the U.S. Internal Revenue Service (IRS) warns taxpayers of tax-related scams and reminds people to be careful about who and how they share personal information. Many fraudsters like to prey on people with …

If you see something that you don’t have the money to pay for now, but can pay for over time, what are you going to do? The general way you would go about acquiring this …