Since I’m interested in helping everyone out as much as possible, I have found that one of the best means of producing a huge chunk of change when you retire without a whole lot of …

Savings Bonds are an investment vehicle issued by banks and credit unions.  In the simplest terms, a savings bond is a loan from you to the US government.  In exchange for the loan, the US …

Democracy in twenty first century means much more than elections of a President or a Parliament. It must reach a stage where people can participate in policy formulation. And the most important policy for any …

Food stamps are given to those in need to supplement the grocery budget and ensure they can have nutritional foods in their diet. Food stamps can be used in grocery stores, dollar stores and some …

Like it or not, the growth of the world wide web has been one of the largest contributing factors to the downfall of the US economy. Over the past two decades, traditional brick and mortar …

Over time, ATM cards have become a staple in modern banking. Many people even perceive ATMs as a necessity these days. There are many tangible benefits associated with being able to do banking and withdraw …

If you find yourself being prone to taking a lot of small debts in the form of personal loans and excessive use of your credit card you might find yourself unable to pay back the …

Having life insurance is the responsible thing to do once you have the legal authority to do so. Most of the time a person must be least 18 years old to purchase a policy. It …

The Constitution.  This always makes for interesting debates and discussions.  But when you start to tackle an issue like this, namely can a state pass a law refusing to honor or obey a federal law …

Our society is one of contradictions and double standards. We have long dared to put into laws those things governing consenting adult to adult sexual practices and personal relationships. We have laws against sodomy, adultery, fornication and …

Let’s face it – we’re ALL speculators in some way or another. If we analyze what speculation means, in a general sense, we can then see how it relates to all aspects of financial survival. …

You could start by asking your accountant or financial advisor’s what to do but in my opinion, personal loans are a touchy subject. They have been the culprit in the destruction of many relationships among …

Georgia landlord and tenant laws differ, depending on whether you are part of a federal housing agreement, or if you are simply renting a property privately.  If you find yourself in a court procedure, then …

Coffee may come second only to water as the most-consumed beverage in the United States, but Starbucks now has its eyes on the drinking habits of the 1.3 billion people who call China home. The …

It is very important to be meticulous when endorsing (signing) a check. Usually it is quite simple to cash a check that is written to you. All you have to do is endorse the back …

Using coupons is a great way to save money. They can be used to purchase groceries or other items. Coupons help to cut down the cost of a product. If used correctly, coupons can lead …

“In this world nothing can be said to be certain, except death and taxes.” The works of Benjamin Franklin, 1817). It’s time to pay Uncle Sam and many people hate it and for a worthy …

College tuition has increased at rates well above inflation in the last few decades in order to support the cost of highly-trained professors, university research, facilities, activities, equipment and the like. College has gotten so …

The majority of credit card users will never have to deal with fraudulent use of their card. Many more who have their cards physically stolen or who lose them will likely be able to stop …

Yes, the jury reached the right verdict in the Casey Anthony case. Unfortunately, the justice system is not perfect. There is always the clause of reasonable doubt jurors have to wrap their hands around. From …

Each year, bicyclists are needlessly killed and injured due to collisions with motor vehicles. In most jurisdictions,  a bicycle is considered a vehicle and  laws that govern operation of motor vehicles also govern bicycles. it …

All convicted felons should be registered through local law enforcement agencies.  Do you want a sex offender living in your neighborhood undetected. Ask victims of crime if they want the crook that raped their child, with …

Although intellectual property was established as a form of property, its intangibility makes it more difficult to protect from other types of property. This is why the copyright concept was introduced – giving exclusive rights (rights to copy, …

Interstate banking provides financial security, increases banking services, and provides more efficient, cost effective banking to clients with personal accounts. Moreover, advantages of interstate banking emerge out of increased competition and effectiveness among banks that …

Imagine owning your own home after only 15 years of mortgage payments! This is a real possibility if you opt for a 15 year term when you take out your mortgage. The monthly payments will …

The trust fund for Medicare’s Hospital Insurance is estimated to run out of funds during 2024. This is five years sooner than a report released in 2010 predicted. Spending on Social Security and Medicare is …

Child Custody In our modern society, divorce and separation have become inevitable, and for this reason children often find themselves living in separate homes with either of their parents. Many times the parents never reach …

When shopping for a mortgage loan , it is crucial to make sure that you compare mortgage  loan offers to see if you are getting the best deal.  But for many home owners  comparing  mortgage …

On June 13th, 1866 the 39th United States Congress proposed the Fourteenth Amendment. Most of the southern state legislatures refused to ratify it, which led to the Reconstruction Acts. The military government was imposed until …

The Boeing Company is an aerospace and defence corporation which is based in the USA. Founded in 1916, it is soon approaching its centenary and since then it has expanded into multiple businesses covering various …