Owning a car during college days is a reality for some students who may have had parental help in buying one. For other students owning their own car may appear to be a financial impossibility. …

When the Thatcher government introduced the right to buy scheme for council house tenants, the best of the council house stock was bought up. Some neighbourhoods underwent much improvement as previous tenants became more committed …

Your home mortgage is likely the largest debt you will ever take out.  Mortgages are usually 15 years or 30 years in length.  It is usually advised to make efforts to pay off your mortgage …

Proper planning is one of the keys to a financially healthy business or household. Knowing your debt-to-income ratio is one of the ways to make proper financial plans. Who need the debt-to-income ratio? Businesses, organizations, …

It is no secret that our economy has slowed down. Every time you turn on the television you see more stories of families in crisis, the mortgage meltdown, and increasing debt. What you don’t see …

Everyone would like to have some money set aside in case of emergencies, but saving money is often difficult to do. If you’re unemployed or not earning very much money, there is a good chance …

Stock market investing has several unique attributes and factors in comparison with the bond market. In the bond market, the bond holder simply lends money at a fixed rate/term and is interested in securing the …

Imagine that you have suddenly been accused of a crime. The news media catches wind and publishes the accusation and writes about you in an unflattering manner. Determined to dig up evidence, police and reporters …

A patent is a form of intellectual property protection designed to safeguard an invention. Its purpose is to ensure the rights and control remain with the inventor. Through filing for a patent the creator of …

Thinking of saving for your child’s college fund? Follow the 10-50 rule of thumb. Save 10 percent of your paycheck per child. If circumstances prevent you from saving 10 percent, save at least $50 per …

Digital technology has helped revolutionize law enforcement in many ways over the past several years. The ability to collect and analyze DNA has led to the release of nearly 400 wrongly convicted individuals in the …

Health care fraud is a multi billion dollar business. Fraudulent businesses are set up around the nation and employ creative criminals who bilk both young and old alike out of their money. From unnecessary procedures …

Having a fire destroy your home is a devastating thing to endure. While having insurance is a blessing, the companies have the potential to make a bad situation ten times worse once they get involved. …

In a few years, your teenager will be out from the comforts of your home and into the “real world.” As you well know, it’s tough out there and you will be unable to protect …

So you just got your W2 tax form and you are ready to e-file your tax return. Then you go around the Internet looking for a site to do your taxes on. When you find …

Surviving on a low income is something that more and more people have to do in this climate of economic instability. It can be a struggle to survive on a low income if you do …

A home is probably the most important investment of a borrower’s life. When it comes to home financing, one needs to take deliberate and informed decisions. Therefore, before taking a plunge into the mortgage market, …

YOUR MEDICAL INSURANCE CLAIMS HAVE BEEN DENIEDNow what? Take a deep breath. A bit of insight and some busy work will help you resolve most claims disputes much more quickly that you would guess. As …

There are people on this planet that commit unspeakable crimes against other people. People that murder, rape and torture others for no other reason than they felt like doing it. If these people don’t deserve …

This is a question that I have been researching, writing and talking about for a number of years now. In virtually all of my conversations, the question is followed by a look inquiring if I …

The Federal Water Pollution Control Act Amendments of 1972, which were later known as the Clean Water Act after they were amended again in 1977, were instrumental in the protection of the surface water quality …

With the busyness of our lives, it is important to take advantage of the extra minutes you can find. There are several mobile phone and tablet apps available to help with your budgeting.  One of …

Eating less meat is a good way and a healthier way to cut food cost but it also lowers the price of food. Headlines shout daily that food prices are rising and are unlikely to …

Just a couple of years ago before the big crash, I was able to obtain a loan to buy a million dollar home just by  over inflating my income sources. No other questions were asked, …

Despite what many custodial parents think, I do believe there are many benefits to the government being involved in the collection of child support and the enforcement of child support obligations. Most single parents cannot …

When you lose a job, it is quite a blow to your morale. It is a disheartening condition and can dampen the spirits. Add to the fact that there will be no income flowing in; …

The Fair Credit Reporting Act, passed in 1970, regulates the collection, dissemination, and use of consumer credit information, and is enforced by the Federal Trade Commission (FTC).  Among its provisions, it entitles consumers to a …

NASDAQ (acronym for National Association of securities Dealers Automatic Quotation system) is the largest electronic screen based equally securities market in the U.S founded on February 8, 1971 by the National association of securities dealers. …

In order to understand the core of the issue of racial profiling, we must understand the issue of mandatory versus voluntary discrimination. Although the word discrimination has taken on negative connotations, voluntary discrimination is something …

According to the Death Penalty Information Center in the United States, “More than 118 people have been exonerated from death row since 1972, including 21 from the state of Florida and 18 from the state …