Losing a home through foreclosure is a bitter experience which will have a significant negative impact on ones credit reports and score. A foreclosure is considered second only to a bankruptcy and it will remain …

Are you really eager to pay off your debts? Are you already considering bankruptcy? Bankruptcy is always the last option in any financial situation. Bankruptcy only becomes a choice when all other means have failed; …

Want to know if you can afford to buy a house before you go to the Bank? There are guidelines lending institutions use to determine what you can afford when buying a house called debt …

Why is it, that in this day and age, children complete their formal education with little or no knowledge on the simplicity of saving? As a parent of teenagers, I’m amazed at the number of …

Sometimes a simple mistake can lead to tragic consequences. That one extra sip of alcohol could put you over the limit making you incapable to drive. The best choice you can make yourself and others …

There are several smart financial tips that people in their 40s can practice. These tips will work regardless of your marital status. It is not too late for you to use these financial planning tips …

It can be very difficult to win an acquittal or dismissal in a speeding ticket case, because the police use accurate measuring techniques that have been generally accepted by the courts as presumptive evidence, and …

If we have matured as a people and culture, then we need to act responsibly and either delete or seriously revise the second amendment. Amendments serve several purposes but they retain the label “amendment.” It …

There is no such thing as child pornography of any kind and justice. You cannot restore the innocence of that violated child. You cannot take away the images now trapped in his/her mind. So what …

Shoplifting in the state of New Jersey is defined by certain rules. Two acts most shoplifters think are not criminal acts are: Number one, exchanging price tags from one item to another and number two, …

A pre-existing condition relating to health insurance is defined as being an illness or condition that you have prior to applying for health insurance. A pre-existing condition may be as simple as a broken bone …

I have followed the news almost religiously since I was seventeen. I had a political science teacher who inspired me to get involved in politics and actually develop an understanding of my world. When I …

For those of you who are suffering with debt you will know what I mean, today so many people over spend and get themselves in debt. I was frightened to answer the telephone, or answer …

Bankruptcy and insolvency can have a big impact not just to those directly affected, but also to those they deal with. Businesses are no different can be just as affected by bankruptcy and insolvency laws. …

Time for Change People use drugs for all sorts of reasons: hallucinogens to find god, amphetamines to heighten sex, opiates to relieve pain, or simply to just feel good. By declaring a war on drugs, …

Economic recession has great psychological and social effects. Everyone is talking about further decline and is clinging to newspapers or televisions to hear good news. Recession brings a lot of other major issues along with …

A lawyer often hires an expert medical witness when injury is part of a criminal or civil lawsuit. Expert medical witnesses are most commonly used in malpractice and insurance lawsuits. What does an expert medical …

The debt-to-equity ratio measures the amount of assets made available by creditors for each dollar of assets made available by stockholders. This ratio is categorized as a solvency ratio and these kinds of ratios measure …

Retirement happens to some whilst they are people completely unprepared. Certainly when we are young we don’t want to think about retirement, but rather get on with their lives and live for today. This attitude …

Facts about healthcare coverage and retiree benefit programs are crucial.  Finding good sources for information or asking questions, and developing an understanding of the basics about healthcare reform and retiree benefits can help seniors and …

It’s often said that you need money to make money. Certainly it’s a lot easier to make a million if you have a million to start with. However, it’s important to remember that many millionaires …

There are more than five places to find inexpensive furniture, if you count the hand-me-downs of family and friends who help you set up housekeeping. They may offer items that do not exactly suit your …

Founded in 1946 with just 4 cosmetic products, Estee Lauder first began selling its products in overseas markets in the 1960s, commencing with the flagship luxury London retailer Harrods. Since then the corporation has grown …

In this time of uncertainty many people are searching for better ways to keep more money and survive the current recession. Spending less money for jewelry, travel and entertainment are the first items most people …

If you are an entrepreneur with a great idea for a new business, but not enough credit history or professional experience to meet the lending requirements of traditional banks then peer-to-peer (p2p) lending may be …

The death penalty is one of the most polarizing debates in our society. Some people believe that it is an absolutely necessary punishment (mainly because they believe it is effective as a deterrent and as …

While most financial advice starts out something like this: “to find financial freedom, you must create a budget”. Over and over we hear about the importance of budgeting and tracking our spending and it’s a …

It is advised to have money put away into an “emergency fund.”  However, there may be circumstances that occur where this is not possible.  If you don’t have the money saved and an emergency comes …

Online bill pay is a great way to save time and money. By paying your bills on-line you can save time by not having to go out. You can do it all right from the …

What I can’t stand is people who claim whole life products are worth it, so much that after I showed mom that it’s going to rip her off in the long run, her insurance agent …