A publicly traded company is a corporation which trades its shares and sells its bonds to members of the public, usually through a regulated stock exchange but sometimes through informal procedures known as “over the …

There’s an old Army story about the sergeant who reported regularly to the Brass that he was training a mule to live without eating. His method was to reduce the amount of fodder given to …

The Advantage of a mutual fund is that you do not have to be an expert in the market to invest. Mutual funds are the perfect tool for any one who wants to risk the …

Being organized means being orderly, and it is very important in financial planning. Financial planning in its simplest sense, is plotting financial goals you want to achieve in the future and then matching those objectives …

It can be a wonderful dream to retire abroad and escape the misery of UK winters. With time on your hands the thought of a new life in the sun enjoying a relaxed life style …

The money that you pay for life insurance serves no purpose unless the dreaded reason for taking it actually happens. Then it suddenly becomes valuable. The one thing that no one can predict is when …

“Good debt “is debt a person amasses that they can afford to pay back or for the sake of investing. No debt is purely good though. If it puts a person in a bad financial …

The State of Idaho is located in the north western region of the United States. It is surrounded by British Columbia, Canada on the north, by Montana on its northeastern border, by Wyoming on its eastern …

According to statistics compiled by the U.S. Justice Department, 4.5 percent of all state and federal inmates in the United States reported seual victimization of some form in the year 2007.  In that year the national …

Numerous financial pitfalls await the unwary. Among the former are easy credit, predatory lending and hidden costs associated with a product or service, i.e. the “fine print.” Irresponsible spending, particularly gambling, also figures in the …

Living with a lot of debt can really take a toll on a person. Owing money is no laughing matter and most people feel bad if they cannot pay debts. We all have some level …

Overall, there are a number of investment options. Each has a variety of different options and features. As such, you can choose what type of investment best suits you. For example, savings accounts are a …

At some point in our lives, we’ll find the need to save for our future. In this day and age, nothing is certain. We don’t know what lies ahead, we can be laid off with …

Credit score is a measure of one’s financial health at a specific point in time. The lenders make use of this score to determine the risk posed by a particular consumer when they lend for …

The Home Affordable Foreclosures Alternatives Program (HAFA) is an off-shoot of the Home Affordable Modification Program (HAMP) and is a government backed way for servicers (mortgage lenders) to allow deeds-in-lieu or short sales for defaulting …

You realise there is a problem when you want to purchase an item from a store on credit and after filling in a lengthy application form, find that you have been refused. The only explanation …

Mutual funds are a method of collective investment where a fund manager uses money pooled from many investors to trade in stocks, bonds, and securities, and then collects and passes on any income obtained through …

Owning a yacht and sailing is a great experience. After making a purchase you have dreamed of, a brand new beautiful yacht, you need to think about its insurance. First of all, you have to …

Having a good financial standing is achievable, the main problem with most people is how to attain this position in life. There are several factors that often lead to a bad financial situation, once you …

It is a sad reality today that domestic abuse is on the rise. The airwaves are full of stories of battered women, being hurt or killed by partners that are out of control. Celebrities get …

There is risk attached to all forms of stock market investment and, in this respect, investing in corporate bonds is no exception. The issue for those who are considering investment in corporate bonds is to …

If your credit score is weighing you down it is unfortunate but the fact is there is no such thing as instant credit repair. If you see an agency offering to repair your credit rating …

Driving under the influence of alcohol (DUI) is illegal in every state, and for good reasons.  No one should drive while their motor coordination and mental processing skills are so impaired that they are a danger …

Think outside of the box and discover a fulfilling second career instead of opting for retirement. There are many options that might cater to one’s personality, skills, talents, hobbies and interests. Perhaps you have always …

The language used by lawyers can sometimes be confusing, especially when sharing contractual documents with non-legal colleague. One of the areas frequently asked about is the difference between warranties and indemnities.  Both are types of …

Can a President make laws without Congressional approval (the ultimate law-making body of the US government)? In short, yes, with an Executive Order (EO). Under Article II, Section 1 of the Constitution, the President is …

A mutual fund is one of the easiest and most convenient investments that you can ever make yet at the same time could be the most versatile and flexible. As far as simplicity is concerned, …

U.S. savings bonds are seen as one of the safest ways to invest one’s money. A savings bond is a government insured and backed investment that when held onto long enough, will pay out the …

The reasons for cannabis sativa being illegal in the first place are overblown because newsworthy instances of marijuana-in-the-system-of-a-criminal! always include, at the bottom of the page, that alcohol or some other drug was also in …

Proximate cause refers to an action that leads to an unbroken chain of events; events that end with someone suffering a loss.  Proximate cause is used to examine how a loss occurred and how many …