With the way the economy is today, our children have a bleak future ahead of them. There may not be social security for them when they get ready to retire. I have three grown children. …

In her first year as a divorcee, Babs*, was terrified of the entire tax process. For 37 years her husband had handed her a blank 1040 form and told her “sign this.” That was the …

Budgeting is a very vital part of most people’s lives and the earlier they can get to grips with doing so, the better. Children as young as six or seven are sometimes given pocket money, …

It is a common misconception that one requires a lawyer to be able to prepare a will. As such, it is important from the outset to shatter this myth that it is going to be …

In the United States, the average household consumer debt is less than $16,000. North of the border in Canada, the average household consumer debt is more than $25,000. With these alarming rates, what can we …

Prepaid debit and credit cards have surged in popularity as more people reduce their dependence on credit cards. Whilst convenient for shopping online or for foreign travel, they are also widely used as an alternative …

If parents should not be at least taken into account for their child’s criminal behavior, then neither should a coach be lauded for turning out a great player, or a teacher be commended for helping …

Saving money is one of the main things that people can do to protect themselves. Whether you invest or not you are making an investment in yourself when you save money. There are a dozen …

Many people believe that some form of immunity has traditionally shielded the fire service from liability actions. This belief was fostered by a paucity of judgements imposing liability on public bodies for the actions or …

Young people aged between 20s and 30s are often faced with an investment dilemma.  Many of them are fascinated with the idea of investing but are not equipped with the knowledge and tools required for …

Saving money is difficult and the financial pressures we face today add anxiety to our struggles. Without a spending plan, saving for a secure future is nearly impossible. If you want to save for retirement …

An annuity is a type of insurance that allows you to plan for retirement by providing a regular income for you in the future in exchange for either a lump sum investment now, or a …

People sometimes don’t appreciate just how reliant they are on the smooth running of the banking system. We have become accustomed to being able to use our debit cards to purchase goods in stores and …

U.S. savings bonds are essentially loans to the Government from whoever is willing to make them. Due to the stability of the U.S. Government, these bonds are considered safe i.e. low risk investments. The receipt …

The legal rights of surrogate parents vary from country to country around the globe. In the UK, the rights of a surrogate mother universally trump those of the intended parents, making it lawful for her …

Once you sign on the dotted loan and accept the student loans which will enable you to complete your college education you make a commitment which cannot be discharged. Bankruptcy will not save you from …

To assess the tax implications of covered call writing one may choose to first understand what a covered call is and second become familiar with the tax implications associated with the covered call. Since covered …

The idea of living a frugal lifestyle is not an appealing one for many people, implying a worsening of their lifestyle and living standards often due to economic necessity such as that being unfortunately experienced …

“Give me the liberty to know, to utter, and to argue freely according to conscience, above all liberties”, said John Milton some 366 years ago.  At the time, Milton’s plea centered on his recognition that …

The single greatest source of security applies when banking online as well as by cell phone: That source is the sheer mass of transactions. People fear their personal information might be stolen over the internet, …

It is very tricky territory when a relative is in debt. Your automatic response might be to give them some money to help them get out of their financial bind. Some people might run the …

The Clean Air Act was first enacted in 1970, and was at that time, the most complex and comprehensive environmental statute. The Clean Air Act has been amended twice more since then, once in 1977 …

In Margret Mitchell’s classic “Gone With The Wind” Rhett Butler is quoted as saying there are two times when a huge profit can be made. When a civilization is crumbling (fast and easy) and when …

A formulary is a list of medications produced by a health insurance organization (such as an insurance company or, in some countries, a government bureaucracy), stating what drugs it will pay for and at what …

Why do you need to purchase renters insurance? To protect all of your personal property, that’s why. Just because you don’t own a house doesn’t mean that what you do own is not worth protecting. …

With the volatility found in the stock market, consumers without the luxury of high levels of disposable income often find themselves looking for safer place to invest their savings. Savings accounts, long-term savings bonds, and …

Everyday thousands of people attain loans for different reasons. Whether it is to purchase a car, home or higher education, most of us can agree that loans are helpful when utilized responsbiley. For many people, …

There are several social security calculators to use when one is calculating their income online. The social security calculator is meant to help an individual estimate their benefits and also helps them to know when …

The meaning of money is simple, direct and devastating for others. Power. It leads to the lessening of those without it and the total annihilation of the working poor. Power is more generally defined in …

When a person dies, any asset acquired or accumulated during life by the decedent, cash, securities, real property and so on is transferred to persons named in his/her will or who is entitled to take …