Not the church, not the state, a person should decide a person’s fate.  That pretty much sums it all up.  Many of us wish that simple thought, that a person should control what happens in …

It is all about Choice. Abortion is a choice, Adoption is a choice and Parenting is a choice. For a woman: To abort is a choice to deal with any social, emotional, religious and physical …

Yes, malpractice is a huge issue in this Country.But what are all the reasons behind it?One reason in my opinion is about money hungry Americans that are looking for an easy big buck but what …

Life insurance companies come in different types depending on how they are structured and the states where policies are sold. Typical life insurance companies can be either a nation or regional carrier or included as …

The 12th month of the year is characterized by festivities and celebrations. Presently,the atmosphere has transformed into that of Christmas. Homes,schools and corporate organizations are now wearing new looks to clearly mark the season,a time …

There is one overriding factor as to why people lose their money easily. And the reason for that is because they make the wrong purchases. That is to say they purchase what they want, instead …

Health insurance companies should care about your health, but they are still a business dependent upon money to survive. It seems that the money part of the business is consuming health insurance companies, and slowly …

When you file for bankruptcy, this gives you a fresh start regarding your debt and credit. It is a way of starting over in itself. However, it is also extremely important that you set a …

 Life insurance is not designed to cover suicide, but on specific occasions, insurers would distribute death benefits in cases where the insured commits suicide. With the suicide exclusion clause an insurer would not be obligated …

Permanent insurance or term which is better? Well let’s look at both first and discuss the pros and cons Permanent life insuranceLife insurance coverage for which the policyholder pays an annual premium, generally for the …

Prisons are becoming more and more overcrowded as the years pass. There are many reasons for that, which won’t be discussed in the article to follow. However, the fact is over two million Americans were in …

Knowing how to decide which credit card is right for you need not be an endless search over inexplicably complex data that draws no patently tangible results nor meaningful conclusions. Picking which credit card company …

‘Financial company’ may sound foreign or general to you, but you may just use one without knowing it. Wells Fargo, CIT, and American General Finance are all financial companies and at least one of these …

Bounced protection, sometimes known as courtesy overdraft, may sound like a great thing to have with your checking account. Essentially, bounced protection plans allow a consumer to pay a fee to have any check that …

The first thing that is required to be done when someone is considering trading forex is to set up an account with a forex brokerage. This is a fairly straightforward process commonly completed online. The …

Seller financing means the financing for the home comes from the person selling the house. A mortgage note is filled out, and you agree to pay the seller in payments over a set period of …

Mortgage loans may stretch over 25-40 years, but that does not mean you need to assume you are stuck with the mortgage debt for that amount of time. The simple act of overpaying your mortgage …

On of the best ways to figure out the state of your financial health is to calculate your net worth. Not only is this figure important for your own personal knowledge, but determining your net …

Buying goods and services online or by phone can be risky for the consumer.  The United Kingdom’s Distance Selling regulations are designed to give consumers  confidence to make purchases without having face to face contact …

I’ve often wondered why bingo players call out “House!” when they realise they’ve won. My own explanation, as a property investor, is that there could be no better prize than a house. A house is …

There are several tax-free investment options well worth looking into.Depending on your situation, there are details here to see if any of these three plans are sensible financial options for you: Roth IRA, Municipal Bonds, …

You have several options with student loans and should explore all of them so that you can make an informed decision about what’s best for you… IN AMERICA *You can choose to accept only Student …

ResubmitTitle: Donating art for tax purposesArticle: As we approach tax time the search for deductions is an onerous task especially with the Internal Revenue Service and state taxing authorities always decreasing, eliminating, or making the …

A few years ago, Congress passed a means for parents to save additional money for their children to go to college on top of the educational savings account. 529 college savings accounts allow you to …

This comment is in response to the article, “Problems of harassment in law enforcement: Why you should report bad cops,” written by Bill, a law enforcement officer. I recently had the unfortunate opportunity to go …

With a little research and persistence, it is possible to lower your student loan interest rates. It is very easy to get a student loan and the debt seem to be for a good reason – …

Moral hazard can influence investment decisions when investors overestimate the level of financial security offered by financial insurance or a financial transaction. Financial security can come in the form of insurance such as that offered …

I worked as a mortgage loan processor for two years, and I was shocked to learn that people can negotiate with the loan officer to lower their closing costs on purchases and refinances. Most people …

Hmmm, The Legalization of Prostitution and you might as well throw in the legalization of Pot too, these are interesting premises that we won’t see in our lifetime approved. Our culture in the United States …

Want to save money on your home insurance premiums without making any sacrifices in your coverage? If your current deductible is less than $500, you can lower your premium rate by raising it to an …