Sometimes, bad things just happen. It’s a fact of life, plain and simple. Houses burn down. Stores get robbed. Cars get wrecked. People get cancer. In each of these scenarios (and any number of misfortunes) there is likely to be emotional, physical, or material damage. There is also a negative financial impact that can run […]

Financially speaking, bankruptcy occurs when you don’t have enough money coming in to cover your bills. As a legal maneuver, bankruptcy offers an individual, business, or government entity an opportunity to crawl out from under their accumulated debt and either restructure a repayment plan, reduce amounts to be repaid to creditors, or liquidate real assets […]

Nothing puts a glaze into the eyes of average citizens quite like discussing economic theory. At best, it’s a confusing topic. Start injecting things like gross domestic product, prime interest rate, futures pricing, trade subsidies, and compound interest and you’ve pretty much lost most of your audience. But talk to the average person about money, […]

We live in a society that at times seems to take great pains to produce the most idiotic and inane policies possible. In this era of nonsensical political correctness, where up is told it’s really down, and the word “is” has infinite meanings, one of the most confounding practices to be injected into our society […]

Democracy is a concept of government whereby the general population consents to abide by rules of society set in place by elected representatives. In a democracy, everyone is supposed to have a chance to speak their mind on any given issue through their vote or through direct petition to the government. In a democracy, government […]

Religion should be defined as a relationship between a person and their god, whether that god is a single supernatural being or a multi-faceted force of life or a really tall evergreen tree. Religion, in this form, can be a powerful force for good in a persons life, offering them comfort in times of trouble, […]

Religion, in its purest form, is an individual quest for the answers to life’s most elusive questions: How did we get here? What happens when we die? What is the purpose of life? Is there a higher being or greater power than ourselves? To what do we owe our existence? What do we owe each […]

The world in which we live is steadily becoming increasingly cynical, or at least it seems. We’ve come to expect our politicians to be corrupt and dishonest. We’ve come to see our businesses as greedy and unsympathetic to the plights of their workers. We view each other through tinted lenses that paint us as red […]

As the father of a young child, I am often dismayed at what passes for family entertainment these days, at least insofar as the mass media is concerned. Finding television shows that are not laced with violence, gratuitous sexual innuendo, foul language or rude behavior is almost impossible. Listening to the radio in the car […]

Every week, I receive a handful of solicitations in my mailbox from organizations seeking a donation. They send me pre-printed address labels, greeting cards, calendars, and other assorted goodies in an effort to guilt me into sending them some money. And several times a month, I get phone calls from other organizations asking for a […]