The Food and Drug Administration is typical of a governmental organization: politically driven, slow, and staffed poorly. You get what you pay for? In this case, perhaps we’re getting even less than that. The FDA …

College is an expensive investment no matter what profession a student may choose. The price of books, tuition, supplies, etc can leave the average student in fear of ways to finance their education. College is …

With a variety of credit cards in the market, making a choice can be quite difficult. While everyone has different needs and what works for someone may not work for someone else, there are some …

There are some excellent loan forgiveness programs available to students who choose to work in the public sector after receiving their professional qualifications. Incoming graduate professionals can apply for programs in the field of law, …

Back in the fifties, a single source of income was all that was necessary to keep the family happy and prosperous. That changed to a two income family during the seventies where husband and wife …

Auto insurance experts say, without exception, that red vehicles do not raise a red flag in car insurance premiums. Some insurance agents claim to not have a clue where the myth about red cars originated, …

Unless you live in an urban area offering a plethora of public transportation options, chances are you need a car. When it comes to buying a car, just like when it comes to buying most …

The aftermath of the Panic of 1893 revealed serious problems with the National Bank system that attempted to impose some degree of uniformity on the U.S. currency, restore the credit of the United States following …

When Barack Obama campaigned to become President, tops on his ambitious agenda of things he would change was healthcare.  His thought process was easy to follow, that being that far too many Americans were going …

Whether you are a full-time student or are taking an employment related course, you may be able to take advantage of several federal tax benefits. Depending on your modified adjusted gross income (MAGI) and other …

When you are deciding on whether to buy a home, the beauty of numbers can take on a new significance. Why? Because buying a home is a big deal and it can make you a …

What is a poor man’s copyright? What is a poor man’s copyright you ask? Copyright is basically the exclusive legal right granted to an individual to distribute, sell and or market their original creation. Anyone else that …

Personal Finance is never an easy topic to learn, and unfortunately few people take the time to really learn it at all these days. Consider that this vitally important subject is rarely breached in public …

In every stock portfolio, there ought to be a few backups. Though Verizon would now be an obvious choice for telecommunication, it’s never safe to assume that things will go on as they always have. …

Ultimate Forex EA – discussion of the Best Forex EA in the world! What is the Best Forex EA ? To answer to the question of ‘what’ demand a clear definition to be given. A …

Homeowners in the UK and abroad are mindful of rising homeowner insurance premiums. Whether a first time home owner or a seasoned property owner, each could benefit by these money saving tips. Saving money on …

Senior citizens often live on a fixed income and struggle with paying necessary expenses. One of the necessary expenses they may struggle to pay is the high cost of auto insurance. Seniors may not be …

ETFs, or Exchange Traded Funds, are a good investment for many people. ETFs give everyone the ability to buy a diversified basket of shares of an index, or play a sector without having to buy …

What makes the stock market fluctuate? A number of buyers and sellers make a market. At any given point in time, there are bids and offers for a particular stock. The order book which is …

When you think of accidents around your home, you probably think of the kitchen first. Kitchen accidents can occur from burns, knives, and other utensils or appliances. Kitchen accidents are generally the result of carelessness …

Downsizing has become a common trend  these days. Families are cutting back on luxuries and are reconsidering necessities. Tightening the belt a little to save money is good, but not when it comes to renter’s insurance. If …

Possibly the only good thing about taxes is that you can do a little about them. They need not be accepted as a matter of course. While taxes are unavoidable in some instances, they can …

Most people prefer to struggle against the river. They try everything they can think of to go upstream. All solutions like this-going against the flow-have the same result: frustration. One of the oldest adages in …

If you fail to make certain payments such as child support or federal tax payments, one of the last resorts is to have your income garnished. Garnishment is a legal procedure that allows a portion of …

Both an annulment and a divorce are legal procedures connected to marriage, but they are quite different, and have a different legal effect. Under English law, an annulment is a court declaration that a marriage …

There aren’t many people who can pay for college out of their paychecks right now. The recession has hit nearly everyone on the planet; and some harder than others. Student loans are the key to …

Recharacterizing an Individual Retirement Account contribution is a financial mechanism that enables account owners to transfer money deposited into one IRA to anther type of IRA. The reasons for recharacterizations vary, but if done for …

TIPS FOR BUYING LIFE INSURANCE ONLINE Perhaps you already have an insurance policy with a company that offers life insurance as well. It is sensible to stay with the same company, right? Not necessarily. Before …

Receiving a summons can be a very difficult experience because many people are intimidated by the legal system. If a person receives a summons, they should remain calm so that they can take the proper …

What would happen if you died today? Would your loved ones know what to do? More importantly, what YOU would want them to do, or what your last wishes were? A will or trust could …