This is a qualified yes.  I think ultimately, parents are and should be responsible for their children’s actions.  However, there is a big difference in age among children.  This is where the problems come in. …

You’re driving down the highway minding your own business when it happens. You may see it, or you may not. You will almost always hear it. Someone in front of you drives over a small …

Having been in the mortgage business a little over fifteen years I have made it a habit to read most of the press and articles written on the looming mortgage crisis. It would appear that …

With the huge increase in both foreclosures and short sales, more mortgage lenders are beginning to exercise their rights to sue defaulted borrowers for a deficiency judgment. If a judgment is granted the borrower becomes …

My daughter asked me one day, “Daddy, why aren’t we Democrats?” So, I pondered a minute, and gave my little girl the following reasons: Democrats tend to view opportunity in America as a limited prospect. …

In this day and age, everyone has heard about identity theft. But what steps can people take to prevent it from happening to them? The first thing you can do is buy a decent shredder. …

It always makes headlines when celebrities are accused of crimes. Just recently, Reese Witherspoon was arrested for disorderly conduct in relation to a DUI incident. Drug and DUI charges seem all too common among the …

Being organized and prepared can save you money and time when you do your grocery shopping. Food is becoming more expensive; however, a healthy, nutritious diet is still needed. It is possible to greatly save …

Ethical stock market investing is an alternative definition for ‘socially responsible investing’. In a nutshell, this basically means investing in funds or companies that support policies which are deemed ethical in every sense of the …

Understanding the importance of money and being smart at managing it is a vital lesson for anyone to learn, and it’s a life skill that parents should seek to instill in their children. Doing so …

Insurance companies are often reviled for the high price of their premiums, but while the charges consumers pay are excessive operating costs for insurers are soaring too. Much as the consumer can feel trapped by …

Boeing stocks (BA) have been rising and falling unexpectedly during the past few days. However, analysts believe that they are expected to give the investors a good return when they are at their peak. However, it …

You’ve loaned money to a friend or relative and they haven’t paid you back.  In fact, they’re not even answering your phone calls.  The best thing to do is write it off and move on.   …

“Public health is concerned with threats to the overall health of a community based on population health analysis. Health is defined and promoted differently by many organizations. The World Health Organization, the United Nations body …

Settling out of court may be considered the “easy way out” for most litigants as it is a fast and sometimes more commercially viable method of resolving disputes as opposed to letting the court system …

It is rare for a woman to be put to death for punishment of a crime. Even with less than 600 women who have actually been executed, the women who have sat on death row, in …

In today’s economy, many retirees are facing challenges they never anticipated. With the significant downswings in the stock market, many retirement “nest eggs” are dwindling. As people retire earlier and live longer, there is a …

Many individuals and families that plan to acquire a property do so by applying  for a mortgage. There are three potential players that you may have to choose from in case you are going in …

If you’re already a great organizer, you probably don’t need many tips on how to improve your efficiency for handling bills. You’ve probably already got a perfect home mail organizing center, with color-coding and everything! …

Getting loans is a necessary part of anyone’s financial life. Because of this, it is important to understand the different types of credit available on the market today.  When looking for a loan, there are …

At first glance, living in an apartment may seem like a safe existence. With other people occupying units all around, however, any kind of devastating event can happen. This fact makes having renter’s insurance appear more like a …

Although motor liability insurance is a legal requirement in almost every one of the 50 states and District of Columbia that comprise the United States a significant number of drivers chose to uninsure or underinsure …

Discovering your identity has been stolen means you need to act. There are some things you need to do if you are a victim of identity theft. While we can’t possible cover all of them …

THE INS AND OUTS OF CREDIT SERVICES To the average consumer, credit services can appear complicated, confusing and foreboding. There are a multitude of options for consumers as well as merchants, in choosing which credit …

Whether your family is simply trying to track their money or feeling the burn from a low moving economy, budgeting is a must. Creating a family budget will force your family to think about their …

Sector investing refers to types of investments which focus on many companies within a single broad economic sector (sometimes as narrow as an industry, but alternatively as broad as multiple industries which follow, or track, …

The National Do Not Call Registry was originally set up with a 5-year time limit. After registering your telephone number with the registry, no one was allowed to call that number for 5 years. At …

As a family grows, so does the cost of maintaining it. Expenditures on food, clothing, transportation, and nearly every area of family life escalates through the addition of others to the home and inflation. For …

One of the common perks of corporate America is having the option to contribute a part of your pre-tax paycheck to a flexible spending account. Companies offer this little bonus to employees who want to …

What are Municipal Bonds? A municipal bond (or Muni) is a debt security issued by governmental agencies usually state or local which may include schools, cities, counties, airports, seaports or redevelopment agencies among others. These …