There are four problems with Montana’s mandatory auto insurance law. (1) The roads where insurance is required is confusing. 61-6-301, paragraph one, says “any owner of a motor vehicle that is registered and operated in …

As a loan officer I have seen it all, from people with no credit trying to borrow thousands of dollars blindly, to people whose credit looks like a tree at Christmas time (lit up with …

Even an incompetent weak leader is occasionally prodded into doing something right for his country, even if to get re-elected. No Child Left Behind bill, which was co-sponsored by Edward Kennedy, was signed by George …

There are millions of consumers with poor credit scores, typically the result of bankruptcy, foreclosure, or simply being overwhelmed by bills. Because of this, an industry centered around helping these people to get out of …

Since the first clothing retailer opened its doors, women have been walking through them to ponder the goods they have to offer. In fact, even before this, fabric salesmen made a very lucrative living peddling …

One thing that we are dying to learn the response to is, “Has this recession finally ended?” Now I can set aside some time to transmit my much craved after considerations, insights and mental capacities. …

There are so many simple ways to save money that it is really quite easy to do, and yet, for many people, saving money is the hardest thing they have ever tried to do in …

It was the meal request to end all meal requests, quite literally. Lawrence Brewer, a 44-year old convicted murdered and self-proclaimed white supremacist requested a lavish last meal on the state of Texas several hours …

What is the best way to create a Will? Should you hire an attorney to help you or should you buy a program to help you? If you decide to buy a program there are …

In the field of risk management, risks are often divided into two main categories.  These are called “pure risks” and “speculative risks.” Basically both terms refer to bad things that can befall one.  But they …

Aside from all the usual cliches, here are a few basic guidelines that have helped me. Speculating differs from a classic definition of investing in that speculating is much more aggressive and normally involves trading …

Your refinance guide. You will get all kinds of different advice from all of your friends and neighbors about this subject. So whose advice do you take? Refinancing your home is probably going to be …

More often than not, Americans will spend more money than they make. The country as a whole actually has a negative savings rate. People are borrowing more money than ever before to finance lifestyles they …

What is a private equity fund? A private equity fund is established when investors put together large sums of cash. The investors use the cash to invest only in private companies. They can also use …

Guide to Insuring Home Property Yacht InsuranceInsurance should cover the entire yacht, from the stem to the stern. Because yacht values vary so widely, there are several different options,including an agreed value insurance option. Agreed …

The majority of the people in the U.S. do not have disability insurance, and the frightening statistics are, that 3 out of every 10 workers, who are 20 years old  now, will become disabled before …

Finding unauthorized copies of your own work being represented by another person as their own can be a very upsetting and maddening experience. Unfortunately in this digital day and age where more and more is …

Is it fair to force people who have faithfully paid their mortgages to bail out those who haven’t? Well of course not! Who come up with these questions? Why are we so ready to stomp …

The Internal Revenue Service has been able to reduce a previous year’s tax gap and budget shortfall by 14.4 percent or $65 billion lowering that year’s budget deficit to $385 billion according to a recent …

The Securities and Exchange Commission (SEC) issued new rules to govern the use of naked short selling. Naked short selling is the act of selling financial instruments without first acquiring or borrowing the security within …

Well this topic couldn’t have found me at a better time. Here is my story: A little more than 10 years ago I met a man who was much older than me. I was very …

Any health coverage is better than no health coverage.  And no one is going to suggest that one should not take advantage of an employer or school paying for some or all of the health …

We have all, at one time or another, been concerned about having our identities stolen whether it be over the internet or in other ways we have learned we can be scammed. As adults, we …

Can Identity theft affect your credit score?. Most certainly it can. Identity theft can be a frightening thought and carries more problems than most of us realise. It can affect your buying power and your …

Has the world of bitcoin collapsed? Many media outlets, pundits and tech experts are declaring so after Flexcoin, a Canadian-based exchange website, announced that it would be shutting down following a massive $670,000 virtual heist, …

In 2012, The Innocence Project celebrated its 20 year anniversary of being instrumental in the freeing of individuals who have been incarcerated for crimes they did not commit. More than 300 individuals, including 18 who …

Have you ever watched a police drama on TV, maybe ” Law and Order” or ” NYPD Blue”, and cringed when one of the detectives lunges angrily at a suspect as if ready to beat …

Life can be rough during a recession. Some people lose their jobs and even their homes. The cost of goods and services goes up and some people find it impossible to keep the bills paid. …

Like many things these days that are made of paper, paper U.S. Savings Bonds are quickly becoming obsolete. When buying bonds the traditional way through a financial institution, you will still get a paper bond …

Getting started with investing is something that requires a good amount of research. There is a wide variety of potential investments, each of which have variable options and features. The beginner investor will need to …