The world has been contaminated by many things: crime, corruption, apathy, epidemics, pandemics and pollution. The decline of civilization hasn’t been a pretty sight. Theodore Roosevelt reached out to unborn generations. He was responsible for …

If you are just starting to think about how and where to invest your hard earned cash, here are a few simple tips. Firstly work out your finances so that you know how much cash …

Bankruptcy is on the rise, despite reforms that were intended to reduce the number of consumer filings for bankruptcy.  Yet despite the growing ranks of recovering bankrupts, a reliable car remains one of the keys …

The Sky Is Not Falling On Social Security Here we go again. Another election cycle, another spate of ‘sky is falling’ screaming from far right activists intent on foisting bold faced lies upon the electorate …

The best mortgage length is different from person to person. A long-term fixed rate mortgage may offer peace of mind and security to one person, but trap another in a choice between turning down a …

A stock portfolio of an investor is an important tool as it describes how diversified the investor’s stocks are at any given instance. Such portfolios will minimize the risks associated with it depending only on …

Taking on a mortgage when you’re buying a home is a major step towards an individual’s or family’s financial security, but it is important to make sure that you are ready to take on the …

Saving money on baby items is something that every parent whether they are having the first baby or the tenth can benefit from. There things that you actually need for the baby and things that …

There are two methods of determining the amount you will be paid on an insurance claim: replacement cost and actual cash value. In the United States, replacement cost is becoming more the norm, but there …

It is a big decision when you decide to buy a car. It does not matter if it is a used car that is old and cheap, or if it is relatively new and expensive. …

Let’s face it, the US Tax code is incredibly complex, often contradicts itself, and is open to interpretation. At the same time, tax attorneys can be very expensive. When the IRS comes calling, how do …

How car insurance rates are set Car insurers provide protection to drivers against vehicle-related losses by agreeing to compensate the insured for losses in exchange for regular payment of a relatively small consideration, called premiums, …

A Real Estate Investment Trust (REIT—pronounced like Reet, rhymes with Street) is a real estate corporation that pools investment capital from a large number of investors in a way that avoids corporate tax.  You buy …

Police Officers are on the front line in an endless domestic battle of good versus evil.  While there are many rules, policies and laws in place that govern the authority granted to police officers, there …

Most if not all child offenders have, by all accounts (often including their own), done terrible things. However, the fact of the matter from legal, psychological, and statistical perspectives is that the vast majority of …

Do you need life insurance for a non-working spouse? This is a difficult question to answer without knowing your age, income, amount in savings, mortgage balance, if there are children involved, and where you are …

An insurance company can have many reasons for raising the rates on certain types of policies. This can be because of on insurer’s loss history, violations on a driver history record and the number of …

As you pack your son or daughter off for college, give them the one thing they would never think about; renter’s insurance.   You can help protect their possessions while they are away at school, and …

Statistics can tell a story. For the uninsured, they tell a story of helplessness. The numbers are higher than they’ve ever been and rising. The uninsured American surfs a tide of uncertainty and reliance on …

New York may the first state to prohibit the use of iPods and other handheld devices like cell phones and those ubiquitous Blackberries that are all the rage right now. State Senator Carl Krueger wants …

A good credit score will help you obtain credit and approval for loans easily whereas a poor score will place you in a high risk category or stop you from being able to apply for …

Solving the issue of gang violence through community, not clueless political bureaucracy A 13 year old teen was shot execution style (22 bullet holes). This was the fourth teen shot in the area in a …

After working in the financial field for several years, I’ve found there are both a lot of advantages and disadvantage to overdraft protection according to your individual situation and your bank. Overdraft protection is not …

A line of credit is an arrangement between a financial institution and a customer that allows the customer to borrow within a maximum designated amount for any designated purpose mostly of business nature. The criteria …

Many leading economists believe that we are in for a slow, painful crawl out of recession however, do not panic, one can turn to commodities and profit from the upcoming inflation cycle. Commodities? The high-risk …

Rich Bankers Skip While getting completely brain numbed by politics generally recently, thanks to the paper ripping, feminist, jaw dropping nonsense that cavort these arenas of debate induced with flowery champagne cocktails in the members …

The best way that young people can avoid the web of debt is to simply avoid it. Learn what the signs are and steer well clear. Keep away from credit cards that offer you seemingly …

As the American economy started to tank, people looked around to find ways to save cash. They axed dinners out and expensive family vacations. They groomed the dog themselves and spaced out their own haircuts …

On-line cash advance loans are used by people in all types of economic situations when unexpected expenses occur. The general rule is you need current employment and a checking account in good standing. Your information, …

Perhaps you’ve never had a credit card before. Perhaps you have but have decided to live a life without credit for a while instead. Either way, you now find yourself in a position where you …