What good is having money if you do not have a plan for it? Goal setting is crucial to long-term financial success; however, getting to goals takes some true grit and realism. Before you set …

You may have heard that municipal bonds are good investments. The sale of municipal bonds make it possible for a city, county, or state governments to issue municipal bonds for the building of schools, highways, …

Lawyers, from mesothelioma lawyers to personal injury lawyers, to just plain and simple general practice lawyers, are there too many? Should there be regulation as to how many lawyers can practice at a time? Perhaps …

Creating a well-diversified portfolio The reason why you should have a well-diversified portfolio is that it gives you a protective cushion in prolonged bear phases and provides the trigger for above-average returns in a favourable …

Legalization of both prostitution and marijuana have a lot to be said for them. I don’t support either because I think they are good things. I support them because I believe in freedom and personal …

Payday loans are short-term loans for small amounts granted to credit-poor borrowers. Borrowers need to be employed, own a checking account, and borrow an amount that they will be able to repay within one pay …

Sometimes people can become seriously in debt from seemingly out of nowhere. They think their finances are fine, while they keep buying on credit and whipping out their credit cards. Then one day they realize …

Credit card debt has burgeoned in recent years, through a combination of irresponsible lending by financial institutions, the wider acceptability in society of maintaining high levels of unsecured debt and the economic downturn and virtual …

Talking on a cell phone while driving can lead to a catastrophe. It can cause a major accident and people can be killed. This is why in the United States there are laws that prohibit …

Medicare supplement policies or ‘Medigap’ policies insurance sold by Medicare authorized private insurance companies’ based on the different types of Medigap policies defined by the Medicare program. It is wrong to assume that different insurance …

The young investor who has limited capital needs to choose his or her investments wisely. Most people out there are speculators. They see Coca Cola is well-known and sells a lot, so they purchase the …

Means of heating the home such as natural gas and propane are often seen as the basic necessities when it comes to keeping warm. However, these sources of energy are becoming increasingly limited and increasingly …

Exchange Traded Funds (ETFs) are similar to mutual funds in their makeup, but very different in terms of how they are bought and sold. Like mutual funds, an ETF can represent a basket of stocks …

Many people wish that one day they are going to be able to retire. When people want to retire they usually want to travel, work on hobbies, or enjoy being able to relax. Some people …

With the prices of many things continuing to increase and other economic circumstances more people are embracing thrift store shopping and dumpster diving. When you think of dumpster diving you may come up with images …

Over 50% of single parent families in Mississippi live below the poverty level. The State is investing in programs to reduce the drop out rates of school students and to encourage more students to enter …

Who does not want a bigger tax refund? Different strategies can help people increase the amount of money that they get for their refund. You should take advantage of every measure possible to maximize this …

Too often those struggling with debt let it get out of control instead of admitting it is a problem. Home owners already burdened with consumer debt through credit cards and loans can face a losing …

When you need to save any way you can a little definitely goes a long way. Any major purchase you make and I mean anything over $250 you should try to negotiate. It will simply …

I feel that Americans failed efforts to prohibit marijuana use is not good. How so do you say? Well, you become lazy on marijuana and causes you to be paranoid. I also feel that marijuana …

When I got divorced, 20+ years ago, things were different. The laws have changed and also the way the courts and people deal with support issues. It’s no wonder there are deadbeat dads. One of …

Calculating the total return of a mutual fund involves 1) defining the variables within the calculation, 2) using the right formula for the calculation and 3) inputting the correct variable numbers into the calculation. Mutual …

Credit Union credit cards are better than bank credit cards in the sense they have lower average interest rates and may be issued more responsibly. Since credit unions are non-profit organizations, the modus operandi is …

“Doctor, I don’t think I have to remind you that there is a difference between clinically insane and legally insane”. This was uttered by fictional prosecutor Jack McCoy on one of the Law & Order …

The national savings account interest rate is 0.91 percent according to money-rates. So why, are these so low compared to the four or even five percents in the early 2000s? There are many factors to …

Mobile has been steadily rising in use and has changed the dynamics of how people communicate and do business. Already, the movement towards mobile has transformed how society across the globe operates, and it is …

Retirement is something many people look forward to as it allows stress free living and time to reflect back on ones life. This might be true for those who have saved substantially during their working …

The present demonstrates categorically that the death penalty is NOT an effective deterrent for any crime, let alone those committed by children. If it was, no-one would be committing any of the crimes potentially leading …

AARP can be a valuable tool for not only retired people, but for anyone who has turned the age of fifty, as the organization provides an invaluable source of information. They publish one of the …

Shopping online is advantageous over shopping in stores for several reasons. While shopping online lacks the ambiance and atmosphere of a crowded shopping mall, it is often a more relaxing and cheaper shopping experience for …