For many of us in our 20s we look at retirement as far away. We picture being old, gray and bored with driving an RV around the US to bird watch as the only option …

Prison Alternatives There are alternatives to a prison sentence. There are many community based programs that help with overcrowding and supply services to the community. Community Based Programs Work Release The work release program will …

Fasting from food in the religious context requires discipline while simultaneously building strength and character in the person undertaking the fast. In the same way, a financial fast also fortifies the individual against succumbing to …

Most of us “working class” individuals are stuck in a vicious cycle of debt where we’re spending money “hand over fist,”  “robbing Peter to pay Paul” or are living “check to check.” OK you’ve had …

A commodity is anything that can be bought and sold. We people usually buy the commodities that keep us healthy and alive first before we purchase those other items that we can very well do …

Though technology is far from perfect and we all generally know we are taking some risk when utilizing just about any of it these days, many of us still do not think twice when we …

Revamping a kitchen can give it a completely new look; it can update it and make it look more stylish. But updating a kitchen is not cheap, particularly if you need new appliances or any …

With the Federal Reserve setting a target interest rate of 0% on certain types of loans and the housing market being in a near depression, mortgage rates are reaching lows that have not been seen …

Bonds are promissory notes that can be issued by either the government or private business as a way to raise capital. These notes are issued in the hopes of raising money from external sources without …

You finally found your dream home in the country with room for your wife’s Doberman to run free. Granted, the house is a bit rough from a small fire. But, the previous owner had his …

The amount spent to feed a family varies depending on the size and dietary needs of a family. However it is possible to feed a family on less than $100 a week without doing without …

With the permanent ban on naked short selling of stocks, the SEC has replaced its earlier limited-period restriction on short selling of financial stocks imposed in the aftermath of the credit crisis last year. Several …

In this failing economy, it makes sense to understand all you can about a financial obligation before you sign on the dotted line. Yes, the advertisement says: “lowest rates” and “pre-approved”, but what it really …

Understanding what criminal intent is by definition makes it immediately evident why it is such an important determinant in the justice system. “The criminal act” is the definition purported by thelawdictionary.org. An example this source …

Ethical investing is related to socially responsible investing (SRI) that focuses on integrating sustainable practices into the long-term value of an organization. Socially responsible investing recognizes that business strategies are directly related to social, economic, …

It’s a week after payday and you wanted to go out and have some fun. When you reached for your wallet, you find out that you seem to be missing a lot more than just …

The most important rule to remember with regards to mortgages is that the faster you pay them off, the less they will cost you. The reason for this is that you will minimise the amount …

It is very difficult these days to know what to do with any savings. With food and fuel rising almost every day can we keep an edge on inflation with our nest egg? Since the …

Repudiatory breach, also known commonly as fundamental breach, under English contract law refers to a situation where a breach has occurred in a contract agreement that is seen by the law as serious enough to …

You have already made a smart financial decision by obtaining a debt consolidation loan, but now the sticky wicket … you have to get out of your debt consolidation loan in an efficient and timely …

For the average person, dissecting their automobile insurance policy is about as easy as reading stereo instructions backwards when written in a foreign language. There are a myriad of different policies, premiums, deductibles and forms …

It used to be that depending on the contract you had with your credit card company, they could increase the interest rate they charge you without notifying you.  However, due to credit card law reforms …

Some people believe that to combat the coming crisis in Social Security, the federal government should raise the retirement age.  This is the easy way out.  More has to be done to insure the viability …

Tax refunds are a bad thing. Don’t get me wrong. Last year I got $4,600 back on my taxes, and I was loving it. However, I quickly realized that I was giving the IRS an …

It is essential to do what you can to avoid being the victim of a crime. You will learn techniques for situational crime prevention. You can thwart a thug or burglar by creating a sense …

Do I believe that you should turn a friend in for child abuse and drug use? I have a different opinion on each. If I had a friend that used drugs, but had no children, …

“Gold is the currency of kings, silver is the currency of Gentlemen, barter is the currency of peasants, and debt is the currency of slaves.” – from The Richest Man in Babylon by George S. …

Investing is very rewarding. In fact, it is believed to be one or if not the best way to accumulate wealth. However, investing, though as simple as it sounds, isn’t easy. There are several factors …

Medicaid is a federally funded health insurance program in the United States designed to cover necessary medical care for individuals and families with limited incomes or particular life circumstances.  Guidelines vary from state to state …

In historical research it has been demonstrated that some days of the week have indeed been better than others for buying and selling shares. However, since finance and economics is generally not a pure science, …