It is surprising, given the number of people who work in retail, that more people have not figured out how to manipulate the retail system. I have worked most of my retail career in appliance …

Car dealer loans can be a bad deal for the buyer. Most of the time if the dealer helps arrange the loan the bank involved has a short fuse for late fees and a higher …

There are five things you can do to get out of debt: Stop buying expensive coffee shop coffee. Make your own at home and carry it to work in a thermos. Stop eating out for …

We must understand the legal and economic nature of drug-trafficking to solve it, or at least mitigate its effects on our society. It’s not so easy to place laws into effect; nor is it easy …

There is a reason the 2nd ammendment exists. Guns are the most controversial things someone can own. The US government claims that drugs kill people when the same is even more easy to say about …

According to a spokesperson at the Guantanamo Bay prison, there are at least 21 men who are on a hunger strike in a growing protest against their indefinite confinement and alleged invasive searches of their …

Criminal law exists to regulate the relationship between individuals and the state. It deals with crimes – actions and behaviors which are forbidden by the State as they are considered to have consequences which affect …

The Motor City, home to the American automotive industry, was never really a great city. It was a large, booming industrial park, but if one defines a city as a community where residents live, work …

Everyone deserves vacations but sometimes paying for them is not such an easy task. Financing your vacations with credit cards may not be such a good idea and if you have not saved enough money …

Replacing a cracked windshield seems like it would be incredibly difficult and time consuming, but actually the opposite is true. The replacement of windshields is a relatively easy task, but still, it is recommended that …

Parenting is very difficult in our modern age and no one gives a parent a rule book on how to bring up the best children. It is always trial and error, no matter how aware …

The best health indicator of a business comes from the value it places on its employees.  When the stock market is based on the functioning of a business and its stable investments one might think …

We live in a day and age where families spend more than they can save: food, clothing, transportation, housing and taxes – in the latter we actually spend the most on.  Any little bit of …

I am rich but I don’t have lots of money. In fact, I am broke most of the time. So, how is possible that I consider myself rich? It is because being rich doesn’t always …

Twenty-five percent of U.S. rental properties are foreign owned. With the decline in the value of the dollar that number should increase significantly. The concept of land speculation as beneficial to U.S. domestic policy is …

Typical CPA is cheaper than the big advertising tax firms. Here’s the deal. The ads you see on the TV for tax preparation are by only a couple of firms. What they do is, beginning …

It is not wise to assume debt for a college education. College is meant to enhance an individuals learning experience. It is not worth the debt. Besides, the person will only be trapping themselves for …

Homeowners insurance is a very important protection to have in place.  Not only will homeowners insurance protect your home in the event of a disaster, but it will also protect your personal property inside of …

The cutting of interest rates to near zero in the wake of the recent financial crisis is not an attempt by the Fed to create an inflationary bubble, it is an attempt by the Fed …

A bond is a promise to pay a debt at some point in the future.  Those debts can be issued by a government or by a company in order to raise money, and investors can …

In January next year some people may get stunned when they receive the tax report for their investment account which has exposure to the mortgage industry: portfolio shows a loss but tax must still be …

Any person who becomes a defense attorney has an obligation to provide the best defense available to their client.  There are not only moral reasons why lawyers should defend the guilty, but professional obligations.  Defense attorneys have to …

How many people knew that waking up today was a certainty or that coming home to a loving family after work is guaranteed? The fact is, we are only able to control one split second …

Parties rarely enter a contract with the expectation that things will go wrong. They may consider it unpalatable or unnecessary to deal with the negative consequences of a contractual breach, but failing to give this …

Montana Supreme Court over a year ago has kept strong with their decision that physician assisted suicide is legal by state law. Montana is the third state to allow this assisted suicide, along with the …

Investing in ever changing times is challenging. The most important thing is that when faced with economic uncertainty, you are comfortable psychologically with the amount of risk you are willing to take.  For some of …

I strongly feel that the government should pay for all medical care. Look at the United Kingdom and Canada, their government pays for all health care. There are so many American’s without health insurance today …

A credit card has taken the status of a necessity in today’s world. Still if you go around and generally ask people whether they would prefer hard cash in lieu of a card or rather …

A credit report can be intimidating if you do not know at what you are looking. Many different symbols, words, and numbers appear on your credit report. If you do not know how to read …

When sellers carry back part of the financing, they are taking a risk of not getting the full value of their property. Many times this form of financing puts the seller in the position of …