Corporate Owned Life Insurance and Bank Owned Life Insurance are commonly referred to as ‘dead peasants life insurance’. It is not a new concept but it was one which was successfully hidden from employees that …

There are several factors to consider before filing in a small claims court. The proceedings in a small claims court also known as, “the people’s court” are informal, normally filed by an individual and often …

If not the parents responsibility then who? If your child shot someone and it caused you to loose your livelihood, your marriage, your life because you were going to go to jail with or instead …

Your home office or the table by your front door can go from a nice and tidy space to a cluttered mess with one quick trip to the mailbox.  With the included advertisement sheets and …

It may seem at first that the only reason why it is risky to co-sign or endorse a loan is that you are technically leaving yourself open for being responsible for an unexpected and potentially …

A college education is an expensive business these days, with tuition costs often soaring way above inflation. Anyone considering pursuing a degree course should plan ahead as early as possible to take advantage of any …

December 2006 Watching the news and reading the paper have been so upsetting to me that for a long time I avoided it. It is easier to ignore the unpleasant things and focus on the …

America’s war on drugs is not working. Each year the United States government spends millions of taxpayer’s dollars to imprison non-violent drug offenders for years, sometimes for life. Billions are also spent on trying to …

From the outside, the life of a National Football League player looks quite glamorous. The league is the most successful in the world today, and the salary cap is at an all-time high. Players are …

Innocent Or Guilty? Repeat offenders, Recovered Offenders, Murders, Rapes, and other crimes that leave DNA behind. 1991 a man was convicted of rape and sits behind bars pleading for a DNA test to prove that …

Permanent life insurance, or “cash value” insurance, is an  insurance policy that has benefits not covered by a traditional term insurance policy. Permanent life insurance has many characteristics. One that is most notable is that …

Should the Internet be monitored and taxed by the government? Should we all be monitored out on the streets? Should we have to wake up every morning for government mandated exercise routine? Isn’t big brother …

Massachusetts’ Beacon Hill was a buzz of activity last week. Just when you start to wonder if those salaries are tax payers money well spent, the boys and girls on Capital Hill do something to …

A bond ladder is a strategy of buying a set of bonds that mature at regular periods. For example, a simple bond ladder with five rungs to the ladder can be created by first dividing …

Every year people spend more on Christmas than any other holiday.  It is a time to show our love and generosity to family and friends by buying gifts.  This often leaves many people with credit …

Limit Your Stress – Consolidate Student Loans For most students that graduate from a two or four year degree program and then enter into the workforce, paying back student loans within the 10 year allowable …

Using a credit card to purchase goods and services is impractical for consumers in today’s market because of risks to cardholders who own one or more credit cards. Purchases made with a credit card are …

The recession is causing job loss meaning many families are finding themselves dependent on unemployment. The funds of unemployment are less than their working incomes. This means that there are corners being cut to survive. …

Many like the freedom of online shopping. There is no long line or crowded stores to tire you out. You get to shop from the comfort of your home. All you have to do is …

To use cash or to use credit? That seems to be the question that millions of people living around the world ask themselves. There are pros and cons to using cash, and there are pros …

The sub prime mortgage crisis in the US is a result that has roots in our societal development over the years. Economic incidents of government actions in the US Congress which affect our capitalistic system …

During your peak career years, there are easy-to-follow tips to help you keep your financial future secure or help you develop a needed financial plan to guide you from your 40s in to your retirement …

What is Bond swapping? In the rapidly paced world of today, where money is so utterly important to every single individual and is the sole thing that usually allows people to get by, everyone aims …

We all know the old saying, “Don’t put all your eggs in one basket.” The moral of that saying is diversification. When it comes to investing for your retirement , diversification is crucial. Without it, …

Before rushing out and buying stocks on the advice of a friend who dabbles with stocks and has made some money, learn about the process. Learn while putting back a little money each paycheck; financial …

Several banking laws can have a direct impact on the bank customer at the local level. Failure to understand how these laws apply to personal savings can lead to complete loss of IRAs and other …

An IRS tax audit is the reexamination of tax return by the IRS to look for errors made by the taxpayer in the preparation of the return. An audit can be as simple as correcting …

George Jung – ‘the world’s premier importer of Colombian cocaine….’ From humble beginnings to a multi-millionaire, George Jung has to be one of the most prolific criminals of his kind. At the peak of his …

Today’s prisons are a vast improvement over what prisons were even a few decades ago.  Historically speaking, it’s easy to see how the prisons of times past needed to be improved.  Debtors prisons, for example, kept …

Many people that are planning to retire assume that a great deal of their healthcare costs will be taken care of after they have retired from their job. Others fail to take into account how …