The talk about Bush-era tax cuts has subdued recently, but it will definitely resurface. When it comes to investing, Bush-era tax on dividends and long-term capital gain has played a major part in how investors …

Commercial lease agreements are drawn up to bind both the landlord and the tenant in an enforceable contract. The details within the lease agreement should be within the laws set forth by the state the …

In the United States, a federal grant is a monetary award of financial assistance. Contrary to widely held misconceptions – often promoted in books and TV ads – this grant isn’t free money from the …

Life insurance policies that have ‘cash value’ can be borrowed against. These policies are structured so that a portion of monthly premiums are invested in financial instruments which build value over time. The amount of …

In this economy, many people are stuck with bad credit. If you are someone with large debt, it can be next to impossible to get a credit card. There are a few different ways you …

Whether one should work after retirement really depends on one’s financial position and general disposition. Apparently the vast majority of people do not make provision for themselves and their families when they are young, and …

Ideally, people would start planning for their financial future the day they get their first allowance from their parents. Unfortunately, most kids do not think of their futures, and shouldn’t have to because childhood is …

Okay now the redneck version, drugs and their use are a fact. Nothing short of execution of addicted users will significantly reduce their use. It is a product which means it is a victim of …

American Jury Duty A jury summons arrived this weekend. The first time a jury summons came, I was disappointed because I had moved, but the next summons started a four-week ordeal that ended an interest …

The clerk sells a bag full of groceries to the hassled mother. A car dealer lowers the price of the car he is selling a retiree. A moving truck carrying a households goods makes its way down …

Cash advance is a new program for loans and is specifically for those who need an advance before payday. This is the quickest to get a cash loan rather than the usual loan procedure in …

The definition of a no-medical-exam life insurance simply means that you may purchase a life insurance policy without having to undergo a medical exam before the policy would be issued. On the other hand, if …

Why don’t we just legalize insecurity? Prostitution, called the oldest profession. A short term leasing of one’s body to earn a living; a rental, often in a dangerous place. However, it is more than that. …

Britain is in need of radical change. The riots that beseiged Britain between 8/7/11 and 8/14/11 were a manifestation of the evils of creating a dependency state and class society; and Britain’s religious retrogression. This …

I have had close to 37 years in police work. I spent 23 years in the New York State Police, nine years in a sheriff’s office and the rest in two local police departments. I …

There are many myths surrounding homeowner’s insurance, and belief in these myths have caused many homeowners to find themselves either underinsured or completely without coverage in the event of a claim. The best way to …

To be financially solvent, an individual must have the ability to properly attend to all financial obligations. Unfortunately, current statistics of those close to retirement are sobering. A failure to plan has put many that …

Car loans are different from many other types of loans because the collateral (the car) loses value so quickly in the early part of the term of the loan, even while the balance of the …

Diversifying your risk in the stock market Investments in the stock markets usually give much higher returns than any other form of investments. But it is also associated with higher potential risk than any other …

A contract is a valid and legal agreement between two or more parties, binding for goods or services to be rendered: Referred to as meeting of the minds.    1 A contract contains provisions for terms and performance (orally or …

Did you hear the story about the vigilante who wanted to protect his investment, so he clipped his cash with RFID strips so he could track a robber? He figured that if he could follow …

The child support system in America is broken.  There is no doubt about that.  The fact that it is broken is often sugarcoated by saying that “it’s for the children.”  However, a system that pits …

What are efficient markets? Perhaps you’ve heard the amusing joke about the economist walking down the street with one of his students. The student sees a $20 bill lying on the sidewalk. As he bends …

Auto accidents are common, and they are no fun. If it’s minor, it’s still a very big inconvenience, and if it’s serious, well that’s pretty serious. We purchase insurance to limit our risks. With auto …

Credit card companies and their targeting of college students. Should credit card companies really be targeting anybody? The fact of the matter regarding credit cards is that there was once a time where people paid …

If you’re one of the many Americans that have decided to take on owning a home, you probably already know some of the tax benefits, such as that you can deduct your mortgage interest and …

The HB 276 Bill, also known as the School Bullying Bill was signed by the Ohio state governor on December 26, 2006. This law was the first to address student bulling on school grounds in …

The choices available to new investors can be very overwhelming. This can lead them to just give up and not invest at all. The financial industry noticed this and invented a way to limit the …

When it comes to moving into your first home you’re excited. There is the joy over your new home and you have a million ideas running around in your head of how you want it …

In a nutshell, not all shares are stocks, but all stocks are shares. Similarly by analogy, not all fruits are apples, but all apples are fruits. To explain further, stocks represent a numerical share of …