State income tax rates range from zero percent in numerous states (Florida, South Dakota, Texas, Washington, Wyoming, and more) to 6 percent in North Carolina.  It seems like a person would be crazy to live …

As the wife and mother of the house, I am told by my husband quite often that I spend too much money.  My husband can have a twenty in his wallet at the beginning of …

Hadley, the plaintiff, was a miller, proprietor of the City Steam-Mills in Gloucester. The mill was powered by a steam engine and when the crankshaft broke the machine would not work. The plaintiff wanted a new …

I am against the legalization of prostitution, not because I take moral issue with the sexual activity itself, but because of the danger presented to the parties involved as well as the community. First, while …

As an investor it is important to see exactly where the cash is coming and going out of the company you have an interest in. If you can read a cash flow statement and understand …

For some reason, regardless of how much you hear about it on television and read about it, there are still many people, especially those in the lower class that believe that just because you are …

Even if you are not familiar with investing, you have probably heard the terms “bear market” and “bull market”. In stock trading, bullish or bearish markets are typical market conditions in which the prices of …

Walmart has the superior coupon policy of all stores. They will accept almost any coupon, as long as it will scan. You can even take a competitor sales ad (like HEB) into Walmart, show it …

In many countries, there are different employment laws to England and Wales. In some parts of the United States and Canada, for example, if you have an “At Will” employment contract, your employer can fire …

Abortion should always be readily available, without restrictions. The restrictions that people want to impose on abortion are ridiculous when they are thought about for more than three seconds. Here, I will pick each apart, …

If you rent an apartment or a house, then having a renter’s insurance policy in place is an absolute necessity. A college student may argue that it is expensive, which it isn’t, and that the …

Your relationship with your bank is an important relationship. Chances are, you are going to use the same bank for many years regardless of your financial situation. Therefore, it is important to know what your …

The annual return of a mutual fund is the return of your investment in the fund after one year. At this time you’ll know the exact amount of increase or decrease of the value of …

The stock market is somewhat like a giant auction. Yet instead of antiques and heirlooms, businesses or their stock, are up for grabs. These stocks are traded in exchanges. These exchanges are where traders and …

As a hard-pressed UK taxpayer, you may feel that you have no rights at all. After all, there is certain information you are obliged to disclose to Her Majesty’s Revenue and Customs (HMRC), regardless of whether …

Health insurance can be confusing, but there are some definitions you should know. By knowing some of the terminology, it will help you in selecting the best coverage for you and your family. The amount …

A deed poll is a legal contract signed only by a single party declaring that the person in question would undertake certain course of action pertaining to a name change. However, as with any other …

Retiring is every employee’s dream, but in today’s economy, with many retirement accounts having been affected by the recession, it can seem to loom just out of reach on the horizon. There are options that …

When businesses lose contact with their account holders, any credit balances or property held in safekeeping (such as stocks, bonds or military medals) are subject to the unclaimed property laws in Missouri. As many states …

An Ombudsman is basically a financial advisor who sorts out the complaints and financial matters of clients who cannot resolve their concerns alone. These issues include mortgages, insurance, banking, finance, pension, credit cards, loans, bank …

Investing in this economy can be a tough decision with uncertainty lingering. However, there are many ways to recession proof your nest egg. You can try to live below your means, cut back on expenses, …

An Overdraft Agreement, also known as Overdraft Protection, is an agreement tied to your checking account which will allow you to draw upon it as needed, such as a line of credit. If your checking …

The best items to buy straight after Christmas are those that the shops are clearing out, namely the stock that they bought for Christmas. Keeping Christmas items until next year means companies have money tied …

Most home owners will refinance their homes at some point in their lives. The good news is that not only is a refinance usually a less stressful experience than the purchase of a home, but …

If you are about to purchase a home or are considering the possibility of refinancing your home loan, you should be sure to get the right type of home loan for you. If you get …

The winter months can break the bank with all of the extra expenses.  From holiday shopping to heating bills, it seems to add up quickly.  It seems no one is fully ready for their first …

You do not have to wait to get on a government website to get health insurance. There are a number of reliable websites written by health insurance experts that will tell you all you need …

It is very easy to sit down and figure out monthly bills and other expenditures. What is not so easy is creating a budget that will work and then stick to it on a regular …

Budgeting is, at face value, not a complex concept. The individual or organization forecasts revenue and balances it with expenses to come up with an outcome that is satisfactory to all parties involved. Of course, …

Dining out is one market sector that took a serious pummeling in the down-turn economy. Just like every industry, the strong are now poised to not only survive but thrive in the coming year. Poised …