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About me - Sue A. Sponte

articles by Sue A. Sponte

Personal Finance > Insurance Basics Funeral insurance explained
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Funeral insurance is marketed as a way to pre-pay your funeral expenses in order to "save your loved ones" from the cost of your funeral. From a money perspective, buying funeral insurance makes no sense. If you are concerned about your funeral expenses, you are far better off if you simply set aside your own money to provide... More..

Personal Finance > Retirement When does it make sense to participate in a 401(k) plan?
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Contrary to conventional wisdom, investing NOW! NOW! NOW! in a 401(k) is not the right answer for everybody. For many people, it is a great personal finance choice. And if you intend to live comfortably in retirement, a 401(k) is part of the foundation of that comfortable life. And I will even agree with most commentary that ... More..

Politics, News & Issues > Government & Policies Understanding the Family and Medical Leave Act (FMLA)
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The Family and Medical Leave Act seems on the surface to be simple, but as with many laws, figuring out exactly what it requires can sometimes be a challenge. The FMLA is intended to provide some benefits to employees who have to miss work because of family obligations or medical conditions. Here are some rules: Who is cov... More..

Personal Finance > Taxes Government workers paying taxes
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It's tempting to just say that we should pay government workers less and not charge them taxes. But I used to be a government worker, and I think there are three really good reasons to tax them just the same as us. First, it reminds them of the burdens of supporting the very government that they work for. I don't want any ... More..

Politics, News & Issues > Constitutional & Contract Law Legal interest: When oral contracts are acceptable
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Here's a lawyer-ly answer to the question: an oral contract is enforceable if it is an otherwise valid contract and it is not rendered un-enforceable by some other aspect of the law. What does that mean? To answer whether a particular oral agreement is valid requires that you look at three general questions. First, is th... More..

Personal Finance > Managing Debt College students: How to get the degree without the debt
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You want a college degree without the debt? You will need a rock-solid strategy to attack that problem. Your strategy can be pieced together from three tactics: lower the college cost, increase your earnings, or shift the cost to somebody else. Here are some ideas for each: You can lower the cost of getting your degree eit... More..

Law & Legal Information > Lawyers & Legal Advice How do you choose whether to sue or not to sue
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As sad as this sounds, the answer to deciding whether to sue or not has very little to do with how right you are. You should probably do what's called a cost-benefit analysis to see if what you will gain by suing is more than what you will lose. First, let's put one issue aside. You have tried to work out your di... More..

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