Attending College is the great time and achievement in life. However, by over using or poorly using the luxury of credit, it could be the most damaging. As a freshman, I remember buying my books …

The fortune cookie for the restaurant industry has crumpled badly in the past two years. The restaurant industry is, after all, one of the most badly-hit consumer sectors due to the harrowing economic recession. High …

Rights of redemption often allow a homeowner who has lost their home during a foreclosure sale to regain their home. However, foreclosure redemption rights in Missouri after a sale are extremely limited. While the rights …

The Wall Street Journal reported fast food giant McDonald’s was considering dropping the health insurance plan for hourly workers and this sparked off much controversy. Reportedly McDonald’s was making this decision as a response to …

Although they are few and far between, there are insurance providers who do sell earthquake insurance to homeowners. Such coverage is not part of a standard home insurance package and is expensive. However, if you …

“If you would be wealthy, think of saving as well as getting.” The American statesman Benjamin Franklin viewed frugality as a path to wealth and contentment. For Americans today, saddled with debt, recovering from job …

This is where you can try to make sense of all those “rules” that are laid out when it comes to your property taxes. To begin the Federal guides and the State guides in most …

Identity theft is a major problem. In a matter of minutes an identity thief can bring chaos to your financial  and personal life. It can take many hours of personal time trying to sort out …

Drug testing for welfare recipients is an issue that has been raised in the past and recently has arisen for new discussion. This writer believes welfare recipients should be tested for substance use. There are …

When investing in oil keeping in mind the recent volatility in price of crude oil has been both on the upside and during the past few months has seen a decline from the record high …

Most people are experiencing financial difficulties in the current financial climate, so anything that can help you keep to your shopping budget has to be a boon, especially when prices are constantly increasing. There are …

Charles “Tex” Watson A tall, square-jawed, athletic minister of the gospel and prison chaplin, Charles “Tex” Watson still wears the label of monster just not as well as his former associate Charles Manson did. The …

A contract is a compact between two or more parties and is either executory or executed. General Elec. Credit Corp. v. First Nat. Bank of Dumas, 432 S.W.2d 737 (Tex. Civ. App. Amarillo 1968). In …

There are two major types of auto insurance claims: first party and third party. A first party claim is a claim to your own insurance. Examples of this include collision for when you strike something …

For the millions of Americans and tens of thousands of Canadians who are out of work, it could be quite difficult to look after one’s personal finances when there is no source of income coming …

It’s sometimes called ‘keeping up with the Joneses,’ or ‘living beyond one’s means,’ but, the vicarious consumption of goods and services in an effort to show off wealth – often wealth the consumer doesn’t actually …

Many countries across the world practise censorship – avoiding various forms of expression of sensitive issues like race and expletive content. Perhaps the only difference between more liberal countries like the United States of America …

MANAGING THE DEBT TRAP: A SIX STEP STRATEGY Managing the debt trap can be tricky and there are some things to watch out for in debt management. It seems that we will always want for …

MAGNA CARTA: THE BASIS FOR THE AMERICAN JUDICIAL SYSTEM The Magna Carta and Policraticus are two historical documents, which eternally changed the face of the legal and judicial systems around the world for centuries to …

Since its invention in 1970, the Taser has become a widely controversial subject regarding its involvement in police work. Many people claim that the electric shock delivered by a standard Taser is excruciatingly painful and …

It does not take a Brain Surgeon to figure out that drug abuse and crime pretty much for the most part go hand in hand.  There have been extensive studies done at different prisons and the …

You’re feeling ready to start the patent application process for your invention, but aren’t really sure how to proceed. You have your inventor’s notebook; you’ve done some online and in-store product research and have not …

You might feel mixed emotions once you hear the word investment. You will feel some sort of excitement because you imagine yourself reaping the gains in the future if you invest and at the same …

Under the patent laws of the United States, an invention must meet the requirement of being “nonobvious” in order to be patented or licensed for use in the country. This regulation is in place in …

All states collect some form (or multiple forms) of state taxes. Tax revenue is a vital source of revenue that allows states to meet their obligations without borrowing money for vital services. What most taxpayers …

In Canada, a Registered Retirement Savings Plan (RRSP)is used as a special savings account designed to encourage people to put away money for their retirement. The account is registered by the government for the contributor …

A prudent investor who does their homework can be comfortable in their investment in bonds and earn a nice return on their investment. Bonds can be a stabilizing and income producing element in a portfolio. …

Recidivism is the notion of one returning to his criminal roots upon his release from prison. Politicians and those who look after the rights of criminals always talk about reducing the recidivism rates. They look …

Interest rates are affected primarily by economic conditions and the rate of inflation. Governments, or other designated bodies, have the power to raise or lower interest rates and usually do so to regulate the financial …

You have likely seen the commercials on television about reverse mortgages.  A reverse mortgage is a loan available to home owners or home buyers over the age of 62.  It enables them to access a …