Legalize what is illegal. Logical thought screams out this is a really dumb idea. As a person who has been involved in the ‘War on drugs’, I can assure you legalization is a farce. Three …

People who repeatedly commit crimes show that they did not reform the first two times they were convicted. Thus it seems logical to give them a longer sentence after the third time. If a person …

Bonds are debt instruments issued by a government or a corporation to raise money. When you purchase a bond, you are loaning money to the issuer. Bond funds are mutual funds that invest in bonds. …

If someone has stolen your identity; you probably won’t realize it until you go to get loan for a house or a car. Victims of this crime have had their good credit history replaced with …

MONEY MARKET: INVESTING ADVICE Is your life boring? Too predictable?If you have cash to spare, a windfall, an unexpected legacy, consider investing in the money market. You are guaranteed some excitement! 1 INVESTINGThe aim in …

Property and casualty insurance is insurance that most people buy to protect their homes, cars and businesses. The two categories of property and casualty insurance are personal and commercial. Personal insurance for individuals consists mainly …

The Basics of Peer-to-Peer lending Peer to Peer (P2P) lending is a new way that the Internet connects lenders with borrowers. The concept is very simple but will vary slightly with each website company. A …

‘We the people’; the first lines in the preamble of the Constitution are profound words that have significant meaning. The preamble signifies the hopes and dreams for a better nation. No longer to be ruled …

The Fair Isaacs organisation which determines FICO credit scores assesses that one quarter of the US adult population lack any kind of traditional credit data. This makes them unable to obtain credit as they have …

Art is an expression of life on a different plane. Combining intellectual,creative, emotional and aesthetic senses, art is really worthy option to engage one’s time,effort and money in itself. Why investing in art is a …

The war on drugs profits some, but it can be argued, that by having to live in denial of their dubious good, even those who profit suffer.  The title of this topic, however, likely was …

Going through the mail, you see an official-looking envelope. Curious, you open it, and find out that you’ve just been called for jury duty. Wait a minute! Why did you get this? What is the …

Car insurance can be one of the highest bills you have to pay every month. Finding a lower car insurance rate is not necessarily easy to do, but there are a couple of ways to …

Increased debt burden often has the capacity to magnify financial stain on household budgets. Tackling that increased debt before it gets out of control is assisted by recognizing the warning signs you are headed into …

There are two important reasons for you to maintain renters insurance if you are an apartment dweller. The first and often most obvious reason, is that this coverage will protect your “stuff”. The second, not …

As a paralegal, I drafted many living wills, including my own. Although individual state’s regulations vary to some degree, the basics of staying off life support are universal. 1. Enact a living will.A living will …

Life insurance is a type of cover that pays a lump sum on the event of your death to a beneficiary or beneficiaries nominated by you. It offers peace of mind that your loved ones …

I love “Judge Judy”! Her ability to cut through the malarkey and skewer the wrongdoers is just amazing. Among the little life lessons that get repeated again and again is, “Get it in writing!” Most …

Feeling the need to borrow money happens to most of it. But we need to be sure it is a wise move. Some loans can lead to a great deal of sorrow, regret, changes and …

As a former real estate broker in Florida, I sold a house to a family, which went all the way to closing. At the closing, the seller mentioned that she was billed incorrectly for two …

As the S&P 500 Index hits a five year high, many observers suspect that the long awaited rotation from bonds to equities is now underway and likely to propel the market to all time highs. …

In the vast spectrum of human behavior, few acts are as universally reviled and reprehensible as pedophilia.  Pedophiles are thought to be so sub-human that even inside the cold concrete walls of prisons, they are …

In today’s economy it is important to save when you can. The best way to save money is doing as much as possible yourself. There are many things out there which you can do yourself, …

Credit union vs. bank…hmmm, well I would bet on a bank and this I am telling you from experience. While it’s nice to be a part of an exclusive club, of which I still am, …

There are similarities in Criminal and civil cases. Both are held in a state court presided over by a state judge and state employees. In a Common Law jurisdiction, such as England and Wales, the …

Many businesses engage in commercial banking. Commercial banks has access to large amounts of money, and therefore can offer a number of financial options designed for commercial use that are suitable for business owners. There …

Being arrested by the police for some, may be a life-altering experience.  Some people will go through life never having an encounter with the Police and if they do it is brief.  In some cases …

Auto insurance is one of those things you can’t live with, but you can’t, or shouldn’t live without. It is a necessary evil. When money is tight, it is one of the first ways people …

How to reduce your debt fast seems almost impossible, right?  Not being able to control our finances, not being able to pay our bills anymore will, without a doubt, take toll on our health and …

Tax Extension Form April 15 creeps up, but life has sent you in another direction. You will want a tax extension form. One way the I.R.S. has been customer friendly is the availability of the …