Articles written by Joseph Nicholson

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About me - Joseph Nicholson

Joe Nicholson is an independent analyst and freelance writer. His work on precious metals has appeared in Futures Magazine and Precious Metals Monthly, the official newsletter of the Northwest Territorial Mint. He is currently preparing to attend law school

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Personal Finance > Spending & Saving (Other) How to stock your pantry frugally: 3 of 19

Food is always a considerable piece of any person's or family's budget, so when looking for ways to save money, it's a natural place to start. With minimal time and effort, by following the seven tips below, it's possible to reduce expenditures on food by 10 percent to 50 percent. Tip 1: Avoid dining out. The worst value in ...
Politics, News & Issues > Political & Economic Theory What are the underlying causes of gold price volatility?: 1 of 3

The usefulness of gold as an economic indicator is highly questionable, but perceptions about the economy can certainly affect the price of gold directly. Gold is widely recognized as a hedge against declines in the U.S. dollar and inflation. Gold is used in most electronic devices like computers and cell phones, but in such...
Hobbies & Games > Antiques & Collecting (Other) How to buy gold coins: 1 of 3

Either through recognized bullion dealers, coin shops, or online auctions such as eBay, acquiring physical precious metal can be one of the most important and rewarding investments you might ever make. Whether it's a local store front or an online dealer, buying physical requires identifying a reputable source. If local opti...
Personal Finance > Retirement Retirement planning 101: 3 of 7

It's no fun to think about your own death, and life expectancy does vary by demographic group, but individuals should at least plan to live to 85 years of age for the purpose of retirement budgeting. Most people can maintain their pre-retirement standard of living on only 60 to 80 percent of their former earnings. So, it's a...
Relationships & Family > Marriage Psychology How to stop your divorce and save your marriage: 6 of 12

Society and Divorce How divorce is treated by the law is largely a reflection of social attitudes, which have changed dramatically over time. When divorces were first made widely available, the legal procedure retained the centuries old stigma of one spouse having to prove a fault in the other almost as if they were seeking ...
Law & Justice > Business Law Filing for chapter 11 bankruptcy protection: 1 of 2

It's pretty rare that an individual would file for Chapter 11 bankruptcy, so much so that in 1991 the U.S. Supreme Court had to reaffirm the individual right to Chapter 11 protection. Today, Chapter 11 may be the only bankruptcy option available for some, but it is a complex and expensive option with requirements that differ...
Law & Justice > Lawyers & Legal Advice Who is responsible for handling probate?: 1 of 2

The question of responsibility for probate can be answered on several levels. First, since probate is governed by state laws, with wide variation between different states, it can be said that legislatures are ultimately responsible for handling the rules of probate. But no individual's estate is settled by a legislator; that...
Law & Justice > Lawyers & Legal Advice Procedure for willing custody of a child to non-family members: 1 of 2

In the event the parent of a minor child dies, custody of that child will remain with the remaining biological parent or legal guardian. It is perfectly reasonable, however, to contemplate the death of both parents or some such similar situation in which no clear guardian for the minor child exists. In fact, it would probabl...
Law & Justice > Lawyers & Legal Advice The ABCs of living trusts: 1 of 2

A trust is a legal arrangement whereby one person or group manages property for another. Real estate, cash or any other asset is entrusted by the grantor, who creates the trust. Most often, but not always, the beneficiary of the trust is a person other than the grantor. A living trust is a way to pass assets along to childre...
Food & Drink > Wine The best wine tours in California wine country: 1 of 1

Sometimes called a "Disneyworld for Adults", ever since a Cabernet from Stag's Leap Wine Cellars won top honors in a 1976 blind tasting in Paris, California's wine country has been on the global wine-making map and has enjoyed a steadily increasing popularity from oenophiles and casual sippers alike. The large number of wine...