These days it seems like everyone’s information is just out there for everyone else to see. With a simple web search, you can literally find a phone number, address and other personal information without even …

With Human Rights becoming more and more of an issue worldwide, especially in much of the developed world, there is a thin line on whether searches of any equipment are lawful, and there are huge …

A safe, high-yield investment can be hard to find in today’s economy. Typically, the investments that have been thought of a high earning do not have a lot of security. Very safe investments however, are …

A guarantee is basically a promise to satisfy the performance of an agreement. A guaranty is similar, but is used to satisfy the performance of a loan by an individual. Analysis of credit and guaranties …

Carrying the right level of renter’s insurance is crucial to ensuring your ability to easily recover from a loss. The bare minimal coverage in a basic policy is not enough for many people, so make …

One excuse many people give for being in debt is that they have never been good with money. Personal finance has a lot more to do with discipline than how much money you have. There …

A good Victim Impact Statement clearly delineates how a victim’s life has changed since the incident (accident or criminal act) that caused the injury. The Victim Impact Statement is one of the most important tools …

Folks shopping for a loan are in luck! Interest rates will never be lower than right now, but they are told to act now. That is because the Federal Reserve continues to waver on whether …

Investment property is any property that is purchased where the purchaser has the intent of renting it out; selling the property after improving, converting, renovating or refurbishing it; allowing it to lie fallow or be …

There are ways to find a real estate agent that will meet your needs. If you are buying or selling a home, an agent can bring you potential clients. You can find agents in almost …

The phrase, “short sale” has quickly become a media darling and popular foreclosure avoidance tactic. In a nutshell, a short sale is a settlement agreement between a bank and a borrower to sell a home …

The typical bond is a securitized loan at a fixed interest rate. As such, its profitability is highly influenced by the current interest rate environment. Interest rates are by no means the only factors that …

Retirement planning is a complex process, and taking the help of a retirement planning service is the best thing that one should do. It is a common phenomenon to see people ready for retirement but …

One of the fastest growing crimes around the world is identity fraud.  This is where criminals steal an individual’s personal and financial details and use these to either steal money directly or to purchase goods …

An Individual Retirement Account (IRA) is a tax-friendly retirement savings plan. In a standard IRA, contributions are tax-deductible, but tax must be paid on all withdrawals. In a Roth IRA, designated Roth contributions are included …

There is an old saying that if something looks to good to be true then it usually is. Many people who have accumulated a nest egg become dissatisfied with the low return offered by banks …

Responsible parents are the only kind of parents we want for all children to have. If parents are let off the hook for things their children do, they can’t show their children how to deal …

Businesses create trademarks and service marks to symbolize their business through designs, words (phrases), pictures or logos which distinctly identify the goods or services of a company. Trade and service marks are a form of …

General Motors filed for Bankruptcy on June 1, 2009 (4) despite the near $50 billion the U.S. Government injected into the company. The U.S. Bankruptcy Court ruling was held at the Southern District Court of …

Trading in the stock market is a very profitable endeavor. Many people have amassed great amounts of wealth from stock market trading and changed their lives in a very positive way, at least financially. The …

The Constitution means the creation of a general government, stronger than the Articles of Confederation, within the context of a limited representative government. Not trying to be flippant, it means what it says. We should …

The increasing gap between the American wealthy and the rest of the people continues to grow, as poverty does all over the world. There is a biblical saying, “ the meek shall  inherit the earth,” another “the …

When a business is controlled by shareholders it sometimes occurs that the company dissolves or one or more people leave to start their own enterprise. When this happens numerous issues may arise that can end …

There are some fine colleges and universities in Texas with excellent reputations. Texas residents who enrol in their state colleges have the opportunity to reduce their total student debt burden by applying for interest free …

The security of credit card transactions is subject to stricter legal safety requirements and higher liability protection than debit cards. However, the security policies implemented by card networks and issuers differs leading to variance in …

Until the blond, blue-eyed Norwegian terrorist killed so many people in acts of terror, many travelers may have been swayed with the knee-jerk opinion that racial profiling is effective. However, that glaring example of a …

In order to make the right decisions as a consumer, you need to be properly informed. There are certain things you should learn from early on, to avoid making mistakes that you will regret. It …

Families of all shapes and sizes try their level best to save as much money as they can. A large family may need to have specific ways for it to be able to save money …

A lease option purchase is not a bad idea with the current market conditions. This type of Real Estate transaction has a little bit more paper work involved, but it may be worth the extra …

After retirement, elderly people are at the comfort of their homes with pension benefits. However, the retirees get tired of sitting at home without any work. There are many daily activities retirees can do like …