Anyone can earn a patent and thus secure the right to profit from his or her invention. Patents are the core of the capitalist system, as they provide a financial incentive for people to be …

If not a right to choose, then an obligation not to? From the outset, to even ask if a woman should be entitled to retain sovereignty of her own body, is to ask if civil …

Analysis shows megabanks have 23,000 times more exposure to credit default swaps than community Banks. Healthy community banks unfairly impacted from financial adversity and consumers should heed the wake-up call. As the economic crisis puts …

The weighted average cost of capital (WACC) is a measure of proportional capital cost to businesses and corporations seeking an assessment of multiple forms of capital infusion. For example, if company A issues corporate bonds, …

For the majority of us our houses are the single most expensive thing that we will ever buy. It therefore makes sense – and indeed it is mandatory with most mortgage providers in the UK …

The Agency Workers Regulations 2010 came into force throughout the UK on 1 October 2011. If your company or organisation uses agency temps, here are five things you need to take into account. 1. Rights Temps …

In considering the Arizona “Congress on your Corner” massacre, we have a complex issue of causation and blame to resolve.  We are handicapped by not fully undersanding the mental state and motivations of Jared Loughner, …

Today the competitive life insurance market has driven prices down to the point where it makes no sense not to own some form of life insurance. There are far too many forms of life insurance …

Marijuana, also known as cannabis, Hemp, and various other terms both street and medically, has been looked down upon by many society’s over the last half-century or so because of politics, greed, corruption, amongst various …

The effectiveness of offender profiling. Offender profiling is the concept of creating a profile of a criminal based on an analysis of a crime scene. This gives the Authorities a good idea of important facts …

Many have had to learn how to keep up with bills on a low income. Indeed, worrying about bills can be very stressful to deal with and is very intimidating for many people to tackle …

Teaching a child that saving for the future can be very difficult. I remember growing up and constantly arguing with my parents about saving my money. As a child, I did not understand why I …

Managing your personal finances may not always be easy, but you can improve your relationship with money. When you succeed at improving your relationship with money, you will find that you gain financial freedom and …

I’ve always had high dreams for college. Some of which could never be funded by just a scholarship and my parents’ help. Obviously, I’d have to help. But how do you get a child who …

Generally, UK businesses registered for value added tax (VAT) must submit quarterly VAT returns. They can ask for their VAT quarters to coincide with their accounting periods. It is also possible to request “non-standard accounting …

Health Insurance Marketing Only: Ungentle Tightfisted Online Knockout Wallop Health Insurance Marketing is stuck inside a mode of puzzlement. The online network coupled with undercover zoom is catching unprepared normal health insurance marketing & quietly …

The big deal about insurable risks is that it represents the only category of risk that insurers would ensure. Some risks might be insurable, but not feasible to ensure. However, one would never see an …

There are any number of reasons that people have their tax return audited by the Internal Revenue Service (IRS).  In fact, a certain number are picked at random, so really there’s nothing you can do …

Boom and bust is becoming a regular feature of the UK housing market, as history repeats itself. The boom of the late 1980’s lead to mortgage interest rates surpassing 14% and an inevitable bust in …

Owning a vehicle is a costly expense with taxes, gas prices and maintenance all adding to the running costs. Auto insurance is a necessity that can make car owners cringe when the bills arrive.  Understanding …

Many people feel that there is no way out of bad credit as they cannot get new finance. You need to know, an adverse credit history reduces your chances to get accepted for a new …

Like many other investments bonds fluctuate in value. There are four things that make a bond price fluctuate: interest rate, credit risk, liquidity risk, and prepayment risk. The number one factor in bond value fluctuation …

It is four years since the Kent Reliance Building Society became the first UK mortgage lender to introduce the death bed mortgage. This original name was decided against and the product was launched as the …

Anyone who has has dabbled in the markets knows picking stocks is difficult, but exactly how hard is it? Well, with over 6,500 individual stocks traded in the United States today, picking winners from losers …

Have you ever gotten that dreaded letter from your bank saying that you have somehow overdrawn your account? You called up your friend who works at the bank, and after looking into the computers, he …

Many people who live together as co-operative owners do not concern themselves with what sort of tenancy or title they hold with their property. Suffice it to say, these people, despite being understandably nonchalant about …

Everyday, thousands of people ask themselves whether to buy or rent their home. There is no general answer to this question but we can provide some information as regards the benefits and drawbacks of both …

Chase continues to evolve into one of the country’s leading banks, with branches practically everywhere. Its presence online completely complements the delivery of its services to its targeted customers. When you have a Chase Bank …

For many Americans, it may seem impossible to get a car loan when you have a bad credit rating. However, there are banks out there who are willing to give people loans. Most of them …

When I was younger, I was all for the death penalty for murderers. In some cases, I didn’t think that death was a harsh enough punishment. I thought they should suffer some themselves, before they …