For four years, Gillian Tett has been warning of the dangers of credit default swaps (CDSs) in the Financial Times, where she works as a journalist and assistant editor. For most of those years, she …

Rules of conduct for paralegals Paralegals work under the direction and supervision of lawyers, so they are bound by the same ethical rules of conduct as lawyers. While a paralegal who breaks the rules may …

When I took my vacation the Disney Cruise line in September 1999 with my three children, I was glad to know I had travelers insurance when the hurricane came crashing in on the Florida’s coastline.I …

Eating a diet that is rich in nutrition doesn’t have to cost you an arm and a leg. Even if you are on a restricted budget you can-and should-plan your meals so that you get …

A large number of countries are using tax subsidies as a form of state influence on the economy. Although the amount of subsidies in an economy is difficult to accurately measure, it does appear that …

Florida is a good State to have one’s estate owned in because of its favorable tax benefits to individuals with high worth and income. For starters, Florida has no State income tax meaning that any …

Short term business loans are a necessary part of running a business. These loans are set up to cover short term costs for small businesses, allowing a business to purchase necessary supplies and hire labor …

Facebook has been a steadily growing company since its debut in 2004, and as each year hundreds of millions of members join the network, the company’s growth has continued to explode. With this explosive expansion …

Drug abuse and child abuse are very unbalanced. But can be looked at as the same. You hurt yourself or your child.Drug abuse is something you do to yourself willingly. You just can’t get en-of …

One of the best things about mutual funds as compared with other investments is that it allows you to have much better diversification with your investments. With them, you are buying a fund that is …

A car title loan is a short-term loan, usually 30 days, against the title of a vehicle. There cannot be any other liens against the title. This type of loan is targeted toward people with …

Breathalyzers are portable, breath-testing devices used to test blood alcohol content (BAC). Law enforcement officials who suspect a motorist of driving under the influence routinely administer these tests roadside. Infrared types of breathalyzers are commonly …

You may not be aware of it, but you probably enter into contracts nearly every day. Whether they are formal, informal, oral or multi-page documents, all contracts must have the same five elements to be …

Thinking about or planning for retirement?  One of the questions that will come up during the process of moving to retirement is whether or not the retiree should seek some kind of employment afterwards.  For …

As with any societal change, the answer to stopping crime is all about incentive. Currently there are all kinds of incentives to commit crime. Whether it be a poor kid, who watches the same commercials …

Going to the movies can be a fun, memorable and intimate experience whether you attend with your friends or your family. Seeing the happy smile on your child’s face as they sit and laugh through …

Insurance is the last thing on your mind while you are getting ready for your wedding. Not only does it have nothing to do with the eternal love that you are so wrapped up in …

When purchasing or selling a security it is not uncommon to place an order and then find that the price has changed before your order is fulfilled, sometimes the price changes substantially. A limit order …

At times of economic turmoil, people seek safe investments. The idea of making a risky investment that might pay off with a big gain seems preposterous during a recession. But, of course, an investor still …

Comprehensive Insurance is perhaps surprisingly not cover for absolutely everything, which is why the term all risks is used a lot less than it used to be. Comprehensive cover as a term has been used …

Both wills and living trusts are designed to pass on assets at death. However, they use different means and even different laws to do it. These differences must be understood to decide which one is …

Everyone deserves a second change; even a criminal.  Being called a criminal usually means that the person has been caught, tried, convicted and had to do prison time or probation; maybe even both. Once they …

Wouldn’t it be great if we could all do or buy whatever we wanted without worrying about the cost? That may work for the super rich, but if you are like most families trying to …

Funny you should ask . . . I work(ed) for an insurer and was laid off at the end of February! ASK for the details of your severance package, if you were fortunate enough to …

Interest rates vary because individual lenders are free to set unique rates and terms. In a competitive market such as consumer lending, lenders try to differentiate their products by changing features to attract specific types …

Obtaining the right loan products may require a great deal of dedication on the part of the borrower to get the products that are best for their needs. The first step to obtaining the right …

In recent years, the Internal Revenue Service has implemented a number of initiatives to increase flexibility or otherwise make life easier for struggling taxpayers who have fallen behind in their tax payments. You can ask …

The Pareto Principle is an often misunderstood statistical observation which can have all sorts of applications, including in personal financial planning. Below are some suggestions on how to apply the principle – also known as …

There should never be restrictions on abortions due to many different factors affecting both the pregnancy and the child itself.  Firstly to consider is how the mother became pregnant in the first place.  If a …

The Affordable Care Act (ACA) was passed in 2010. It promises to cut medical costs. The ACA includes more than a dozen provisions aimed at bringing down expenditures in government programs and private insurance. One …