The cost basis of tax-exempted funds pertains to 1) earnings yields through mutual funds and/or retirement and/or insurance instruments that incur income from tax free investments, 2) Accumulation of earnings that are reinvested within a …

Saving is vital for future happiness. A credit hungry culture encourages spending money which we don’t have. Putting aside money for those little emergencies, which inevitably crop up, is necessary to avoid debt. Mortgages, university …

Difference Between Compound Interest and Simple Interest Before one can grasp the difference between compound interest and simple interest, one must learn the process used by each to calculate interest. Also, the terms used will make a …

“Gold is the currency of kings, silver is the currency of Gentlemen, barter is the currency of peasants, and debt is the currency of slaves.” – from The Richest Man in Babylon by George S. …

Criminal sentencing guidelines should never include forfeiture of first amendment protections. Neither should ex post facto laws be established to prevent convicted criminals from working for profit in any legal endeavor. The quantitative financial effects …

The average person seeking life insurance quotes thinks that they understand the system completely. However, they often find themselves surprised when they get into the market and learn that their current policy has become overpriced …

Paying your bills on time can be a real headache if your funds are limited. But streamlining the process can be quite simple, if you go about it the right way. The very best way …

When friends and relatives borrow money and do not repay it, the result can be fatal to the relationship that you have or had with them.  Unless there is a written contract that was signed …

Do you know how much money you actually have?  Can you name the amount of your fixed expenses each month?  If you are feeling extremely stressed about debt, there is a good chance that you …

The stock market is a thing of mystery and fantasy for many people. Almost everyone is affected by the stock market, yet few understand the nuances of how stocks are priced or how the stock …

Conventional insurance is well established and caters to individuals and businesses choosing to insure against risk or being proscribed to do so. Those who follow Islamic law are strictly forbidden from opting for conventional insurance …

The flat tax has been talked about a lot in the American tax debate. Its proponents say it is simple, fair, and good for economic growth.  Its opponents, however, call it unfair to the poor. …

It’s the new year and that means the holiday season is over and now it’s likely that millions are stuck with a tremendous amount of debt on their credit cards. After splurging on gifts, going …

There are many great ways to reduce your credit card debt. It is amazing the millions of dollars people borrow on their credit cards, only to pay even more as interest on that debt. However, …

Medical Marijuana presents a difficult problem for Federal lawenforcement.12 State ‘s have legalized medical marijuana to be used.How does the Federal Government find these Medical marijuana patients?After All the US Congress would not approve and …

Weed should be legalized everywhere, but I’m an American, therefore I can only speak about America. If the government would use a little more common sense with our laws instead of prudish, Puritan, politically correct …

Start preparing for your retirement immediately unless you want to be a financial burden on your loved ones.  Studies reveal that the majority of Americans are not prepared for retirement when the time arrives.  Moreover, …

Due to the recent recession and its aftermath, states and their policymakers continue to confront major decisions about how to pay for crucial services now and in the future. To make the right decision, it …

Had I been asked to write in favor of life insurance 10 years ago, I probably would have scoffed and offered some clich and disparaging remarks about what a racket and scam life insurance is. …

A woman should have the right to abortion but she should not practise that right with a few exceptions which endanger the lives of the woman and or the child. A woman should practise prevention. …

To answer the question of what constitutes a hate crime lets first look at two different events that have happened recently. Case number one: three white Duke Lacrosse players were accused in March 2006 of …

Oil and gold are near all-time price highs and current world events and economic conditions suggest that they will continue to soar for the indefinite future. Investors should be cautious, however, because the rally in …

Loan modification is one of the options offered to homeowners through the government program Making Home Affordable. It is designed to help those struggling to make loan payments due to an interest rate increase or …

Yes! Providing you own the right type of life insurance, and you have accumulated enough cash value to allow you to borrow the amount you need. I want to share with you that this benefit, …

The U.S. Bank is the second major provider of private student loans to introduce a new fixed rate product. Along with Wells Fargo, the U.S. Bank is offering applicants the choice between a fixed or …

If you are in between jobs, you could be experiencing some unusual levels of stress due to having to worry about your financial situation in the mean time.  If you have been laid off, there …

The framers of the Constitution believed greatly in Montesquieu’s system of Checks and Balances.  In line with this thought, they also did not provide a great number of powers for the President.  However, during times …

Though I managed to navigate my way through life without confronting any individuals who wanted to separate me from my wallet, on a cold night in 2005, I was removed from that comfort zone, perhaps …

The Columbine High School Massacre was a high school shooting that occurred on April 20, 1999, at Columbine High School in Littleton, Colorado. The perpetrators were two senior students, Eric Harris and Dylan Klebold, who …

The credit card has become an essential item in today’s world. Garbage you say? Pay cash for everything and you won’t get into trouble. Well that thinking is obsolete. How do you expect to pay …