So you want to know more about bonds. Not the spy, nor the chemical, emotional, or blood-brother type either. But rather the financial investment tools that come in so many shapes and sizes. Best start …

Investment strategies all try to find ways to maximize investments and earn money. Investing can be a scary idea to many, but luckily there is a strategy that helps people ease into the market. Dollar …

Having a good credit score affects more than the interest rate you are eligible for when applying for a mortgage or other type of loan. Your credit score may be checked when you are applying …

The buy and hold is a kind of long-term investment strategy which is based on a viewpoint that investors receive a better than average return in the long-term despite periods of volatility and decline. It …

On the eve of the last inauguration of W, I received a call from the American Civil Liberties Union asking for a donation yes the infamous and oft-reviled ACLU, of which I have been a …

Seven years have passed since the worst house price bubble in U.S. history, and Americans are once more seeing real estate as a winning investment.  But is it truly over?  Could we already be on …

Budgeting for the Christmas holidays is always a challenge. For one thing, you often feel obligated to buy for people that you don’t see and barely have contact with throughout the year. Of course, for …

Should women have the right to choose abortion? The answer is an emphatic yes they should, and I can see two reasons, broadly speaking, why this is so. But before I get to these reasons, …

I’d like people to know how this debate from another country than from United States. I live in Canada, in the province of Quebec more exactly. The legal age here is 18. But our law …

Commercials touting potential savings for auto insurance are among the most prolific forms of advertising on many television networks. Whether promoted by cavemen, lizards, television stars or actors portraying themselves as average middle-class consumers, the …

We all want to save money. That’s obvious. I mean, who doesn’t want to save money these days? Other than the U.S. Government, of course. But other than that, chances are you’d like to save …

Buying Foreclosures: The “flip houses” Guide Foreclosures arise when the homeowner fails to pay on mortgage payments or when he is incapable to pay taxes obligated by the federal and the state government. People commonly …

With home ownership being touted as the American Dream, losing a home through foreclosure has to be a nightmare.  As bad as this is, it could be worse.  The way the tax regulations are written, …

Most people agree when it comes to vehicles: “you lease what you cannot purchase, and buy what you don’t want to purchase.” This is a good analogy for leasing vs. buying in automobiles, since on a …

Buying products or services online can save a bundle of money if you first do your research and then spend some time comparison shopping. There are many deals to be found over the Internet, but …

“Is Possession of Fourteen Grams of Plant Material Worth Killing a Man Over?”  I think my reaction to the news of hearing that Chris Diaz faces up to life in prison for possession of a …

There are many factors that come into play when determining whether an eighteen-year-old should be charged with a crime for having relations with his/her partner.  Among these and foremost are the legal and social ramifications …

The necessity of borrowing to purchase a car is a fact of life for many who simply do not have the means to buy with cash, yet require a vehicle for work or other reasons. …

The only way to get peace of mind is to get insurance. That’s renters insurance if you’re renting, to protect yourself against many unexpected accidents that are impossible to plan for. Insurance is the one …

How can you lower your high home ownership costs?  Home ownership has the advantages of property value and of privacy; one of the downsides  though is that of home maintenance costs: failed heating and air …

One of the benefits of getting a cheap car insurance is that it can help the car owner minimize expenses when it comes to his/her vehicle. Nowadays, the demand for affordable auto insurance rates is …

The current credit market situation would be laughable if it wasn’t so serious. It is playing out like a bad daytime soap opera. The latest buzzword that is entering the everyday lexicon is mark-to-model. All …

Although many people like to plan for an early retirement, in a financial sense, it may not be the wisest decision. The reason is that there are several financial benefits gained by a person when …

INSURANCE AND TIME PASSAGES Time passagesThere’s something back there that you left behindAl Stewart in Time Passages’ Harmonizing insurance coverage to life’s time passages means working with the clientthroughout the life cycle. What we are …

It’s your responsibility as a homeowner to maintain safe conditions in and around your property. If someone is injured due to a hazardous situation in your house, you will be held accountable and could face …

For the last few years, the number of people opting to use online banking has increased exponentially and the trend continues to grow at a rapid pace. Many conveniences gained by the customers when transactions …

The process to sign up for T-Mobile online bill payment is quite a simple one really.  Keeping in mind that the German formed T-Mobile is the 7th largest mobile phone service provider in the world …

The current sit-ins and protests originate from a host of issues found in and around the country today. One of the key issues is that the more common individuals are at this point in time realizing there …

Shopping can be a fun and satisfying experience for most people. However, if you are a shopaholic, shopping is more than a fun experience. It is a roller coaster ride of extreme highs and extreme …

The land of the free is nothing more than a mere past memory. The United States is slowly suffocating its people with ridiculous laws that limit free choice; the very foundation that America was built …