Articles written by Marilyn Howard

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Society & Lifestyle > Family Values What will happen to our society if the structure of family breaks down?: 2 of 50
Long gone are the days of the traditional family structure. Mothers and Fathers of a household must give way to the outside activities for their children, leaving less time for a family to enjoy quality time in their home. Commuting from one extreme to another, leaves not only the parents in an exhausted state, but greatly i... More..
Religion & Spirituality > Spiritual Insights Can humanity exist without religion: 4 of 20
Since the beginning of time, man has always believed in a higher source, called by many names and practiced in many different manners, so it would seem that if it were not for these beliefs, humanity could began a decline in morality, values, disciplines and faith. Religion is of the mind, and we can only perceive what we re... More..
Creative Writing > Memoirs Testimonies: The unconditional love between dogs and humans: 17 of 55
I am the owner of a very special dog. He is a German rottweiler, a large breed dog, a very loving animal, which I did not know how loving and special until the day my husband passed away. I had been surrounded by family and friends during this traumatic day and that evening I was sitting on my sofa, when my dog walked in to ... More..
Creative Writing > Short Stories Short stories: The Valentine mystery: 20 of 63
The Valentine Man, Robert, an eccentric millionaire invites his relatives to his country estate for dinner, not aware that it will be the last supper for him. Deidre, the daughter, spoiled by her father's success, Malcolm, the son who never had any ambition, and Patrick, nephew to Robert, who had always been the son Robert n... More..
Home & Garden > Real Estate (Other) Do "sell and rent back" deals help or hurt homeowners facing foreclosure?: 2 of 6
A sell and rent back can definitely help a homeowner, who is potentially upside down in his or her mortgage. For instance if the value of the home is decreasing and the mortgage payments are based on an adjustable rate mortgage scheduled to increase within the coming months and the homeowner can barely afford to make the cur... More..
Personal Finance > Personal Finance (Other) Top comeback predictions in money for 2008: 3 of 8
In 2008, there will be a more substantial crunch by families to review their financial picture, goals and objectives. Gone are the days when one could assume or expect the business as usual attitude. The financial arena called Wall Street, Real Estate, Oil, and the Futures Market has entered into every household and business... More..
Personal Finance > Mortgages & Home Loans How to refinance your mortgage loan: 8 of 19
The most important first step in refinancing a home mortgage in the present market, is to make sure that the value of the home is above the existing mortgage. This should be accomplished by reviewing the values of the homes in the area where one lives, and proceeding to the appraisal stage, while simultaneously preparing a l... More..
Society & Lifestyle > Feminism & Women's Rights Backlash by feminists against Oprah's support of Obama for president: 3 of 6
Everyone is in an uproar about a man running for president, also yes he is black, but that should not be the reason that people continue to gang up on Oprah. There is much to consider when it comes to electing a sitting president. For instance, people seem to forget that not long ago, there was a chance for a previous presid... More..
Jobs & Careers > Professionalism The importance of self-image in the business world: 29 of 40
The importance of self image is that a first impression is a lasting impression. One should always remember that we are perceived by what we present in the public forum and we are ultimately judged based on what others see in us, period. Whether it is a business or personal matter, individuals always seek to categorize anoth... More..
Personal Finance > Spending & Saving (Other) Surviving poverty in the US: 22 of 27
One must always remember that those who do not remember the past shall repeat it. This being said poverty is knocking at almost 75% of the households in America. Although many will say openly that their finances are in order, they are lying. The shake up in the real estate market, as well as wall street has quite a number fl... More..