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About me - Terence P Ward

I'm Terence P Ward and I'm a freelance writer. I'm not being paid to write this biography, so I'm going to pass for now ;)

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Personal Finance > Managing Debt Advice for young people on avoiding debt: 7 of 42

Advice on how to avoid debt is easy: don't spend more than you earn. But that's not really the problem, is it? The real issue is that there are billions of dollars being spent trying to convince you to spend money, whether or not you have it in your pocket, and it's tough to say no all the time. So here are a few tips to mak...
Pets & Animals > Dogs (Other) How to cope with the loss of a dog: 4 of 22

Anyone who has shared their life with a dog understands that the emotional bond is as strong as that with a person, and addressing the loss of a dog is just as important. "Loss" can be literal or figurative. Dogs can be given away for a number of reasons, die by accident or disease, or live their lives out fully in your comp...
Religion & Spirituality > Ghosts & Paranormal Phenomena Do Ouija boards really work?: 7 of 37

Talking boards, more popularly called Ouija boards after the Parker Brothers game, are tools used to contact the spirits of the dead, either as a game or with all seriousness. Though sometimes dismissed as being mere entertainment, ouija boards can pose very real dangers, whether or not the users believe that they have any s...
Pets & Animals > Cat Care & Health Pros and cons of sharing a bed with a cat: 1 of 4

Cats are animals that appreciate the warmth and companionship of sleeping humans, and so if you live with one or more of them you are likely to share your bed with them as well. One can enjoy the soothing companionship of a cat, but should be wary some of the dangerous disadvantages, such as FAP, CIC, and RCS. The benefits a...
Personal Finance > Mortgages & Home Loans Saving your home mortgage from foreclosure: 5 of 18

Foreclosure is easier to prevent than it is to stop by being wise with your choices about how and why you borrow money and from whom. If you're in foreclosure, you will always fare better by talking to the bank, because banks don't want houses, they want money! First things first: what causes foreclosure in the first place? ...
Entertainment > Movie Reviews Movie reviews: The Fountain: 4 of 13

"Is 'The Fountain' a beautiful story of love and life conquering death? Of a way to find life through death? Or just a terribly weird and hokey new age film that is, at times, unbelievably difficult to follow? I still can't decide." So asks Donna Freitas in her review of The Fountain. Donna might not be able to decide for he...
Politics, News & Issues > US Elections Should the Electoral College be abolished?: 11 of 21

The Electoral College was envisioned as a safeguard against an uneducated populace choosing our national leader and should certainly be abolished. The Founding Fathers debated long and hard over the issues of states' rights and equal representation, and came up with some unusual solutions. Our bicameral legislature is one of...
Business > Small & Home Business So you want to be a landlord?: 4 of 7

The residual income from owning rental properties may bring more money into your life than the fast flip in the long term. If nothing else, the stress is reduced because a well-chosen investment will pay for itself until you the market is ready for you to sell. In order to make this idea work, you must plan carefully. Choose...
Entertainment > Entertainment (Other) Radio reviews: Assessing Rush Limbaugh's talk show: 10 of 15

Imagine a brain, floating, disembodied. It survives, despite having no connection to the world around it. Surely it must be incredibly intelligent. Okay, floating brains are pretty damned creepy. You don't have to think about that anymore. Sorry I mentioned the idea in the first place. This isn't Creepshow. So imagine you're...
Food & Drink > Coffee Why the proper coffee grind is crucial: 2 of 3

Doyou find that the first sip of your coffee makes your eyes want to explode? Are you careful to avoid the last sip so that you don't have to chew it? Are there days when you seriously wonder if a spoon could stand in your cup, supported by the coffee alone? These are all symptoms of misground coffee. Determining and using t...