Merriam-Webster defines insurance as “coverage by contract whereby for an agreed payment one party agrees to indemnify or guarantee another against loss by a specified contingency or peril”. In more plain English, insurance is a …

The length of time that insurance companies take to settle a claim will vary and be dependent upon a number of factors. These will include the type of insurance that you are making a claim …

Winter time and the cold days that are associated with that time of year are often prime culprits of high electricity bills. This is also the time of year that many people are out of …

The responsibility of owning a home for the first time can be a little frightening, but also very exciting. It’s a step toward feeling secure, but only if the loan taken out on the home …

It is certainly possible for an individual to use credit cards in a responsible manner. For example, keeping balances low or paying them off completely in each billing cycle. However, it is unlikely that most …

When deciding to open a checking account, there are a lot of factors that the average everyday person needs to asses before just joining any bank. You should try to match up how you are …

I don’t see why you have to wait until you retire to cut your food costs. It is always a good idea to cut down on costs no matter what your age is. However, once …

Alaskans are used to being viewed as a strange sub species of genus Americana. They realize Outsiders picture Alaska as a weird place where the sun seldom shows, ice covers the land from end to …

I like to read real-life stories when it comes to dirty credit card secrets. Theories and hypothetical scenarios are great, but a real life scenario is a sure thing, and that’s what I want when …

Several months ago, another 16 year old child was shot dead in front of a teen establishment; the second shooting on the same block of a Savannah teen in a three month span. This time …

When you take out travel insurance you must declare any existing medical conditions at once . Some will have no effect on your policy , however some will . If you have an existing heart …

Property managers, or potential property managers are always on the lookout for the next big thing. They know that they cannot get by with only a few properties in one specific location, but rather need …

Bonds are very popular securities because they regularly pay interest income and pay back the initial principal after the bond matures. Bonds are popular with people of various risk classes but they certainly appeal to …

It is a fact that money is easier to borrow than it is to pay back and being in debt will undermine your financial security, especially if you are borrowing at a rate that is …

When it comes to doing their taxes, people will try just about anything imaginable in order to squeeze a little more money out of their tax return. Among the many well known deductions that people …

The basics of financial planning is simple. If you are willing do dedicate a few hours a week or a few minutes a day analyzing and putting into action good strategy, then you automatically put …

Besides the obvious costs of crime, lives lost, the expense of law enforcement and prisons, there is the cost of actually prosecuting the criminals that is sometimes overlooked. The full burden is squarely on the …

Enough has been said about the not guilty verdict of Casey Anthony’s murder trial of her little girl. We all know she did it. Even Juror 3 has admitted Casey probably did it but she …

Processing a Vehicle for Forensic Evidence Kathy Steck-Flynn The exact order in which evidence is collected from any vehicle will depend of the circumstances of the crime. In most instances the outside of the vehicle …

You can save money by being more organized in various parts of your life.  If you are like many people, then you may put your mail in a pile when it comes in order to …

There is a quotation widely attributed to Albert Einstein to the effect that “Compound interest is the most powerful force in the universe”. Now, there is disagreement about whether or not he actually said that …

Rejection is never pleasant and if you have been rejected in your application for a new car loan then most probably you failed to do your homework in advance of applying. You should give consideration …

There has always been an intriguing sense of cynicism that comes to my mind when I think about the countless efforts exerted by individuals and groups who find it their sole purpose to wage ideological …

Representing yourself in court at any level requires a confident knowledgeable type personality who can stand his/her ground without displaying arrogance. That confidence should come from a case steeped in truth and knowledge of the law …

For people that are constantly flying all over the world, whether due to business or leisure, a small private plane may be a necessity. With airfare always on the rise, the continuous money spent on …

It’s tax season and you just want the quickest way out without watching the IRS rip your wallet in half. With your taxes, you have two choices: standard deduction or itemized deductions. You would probably …

Studies reveal that the majority of Americans are not prepared for retirement when the time arrives.  Moreover, statistics are showing that longevity is increasing as some seniors are outliving their savings.  Rising food and health …

10 Things You Need to Know About No Fault Insurance 1. If you are going to move it, insure it. If you own a motor vehicle disable it until it is insured. If you are …

European users of Helium won’t really understand Americans’ obsession with college and university costs, because those costs are so heavily subsidized in most European countries. But in the US, college and university costs can easily …

Retirement is a time to relax and enjoy the labour of your active days at work. However, this will be a mirage if there are no intentional financial plans to ensure a meaningful retirement. Profligate …